Loss Sensitive

Any rating plan where your final cost moves with your actual claims — retro plans, large deductibles, dividends. Good claims years pay off.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.