---
title: WSRB Blog | Chris Barclay
description: Chris Barclay spent 30 years underwriting personal, commercial and agricultural lines in the Western U.S. before joining WSRB to develop innovative, easy-to-use tools that help insurers manage both entire portfolios and individual accounts. Chris lives and works in Spokane, Washington.
---
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#### [About the Company](https://www1.wsrb.com/about)
Who we are and how we serve insurers, agents, and Washington state residents.
#### [CEO Perspective](https://www1.wsrb.com/ceo-perspective-wsrb)
Engaging thought leadership on key insurance industry issues from our CEO.
#### [Meet the Team](https://www1.wsrb.com/meet-the-team)
Get to know the team behind WSRB’s trusted data and excellent customer service.
#### [Careers](https://www1.wsrb.com/careers)
Learn about the benefits of working at WSRB and apply for open positions.
#### [Underwriting Property](https://www1.wsrb.com/resources/underwriting-property-risks)
A guide to key risks in Washington state: fire and earthquakes.
---
#### [Video Hub](https://www1.wsrb.com/video)
Expert webinars, timely discussions, and in-depth conversations with industry leaders..
#### [Commercial Property](https://www1.wsrb.com/risk-assessment-guide)
Information on loss costs, policy rating, and assessment tools.
---
#### [Industry Toolkit](https://www1.wsrb.com/resources/industry-toolkit)
Links to help you work smarter and serve your customers.
#### [Protection Classes](https://www1.wsrb.com/resources/public-protection)
The evaluation process explained from start to finish.
---
#### [WSRB Blog](https://www1.wsrb.com/blog)
News on emerging risks as well as our latest products.
#### [Library](https://www1.wsrb.com/library)
In-depth content on essential insurance topics.
---
#### [InsuranceEDGE](https://www1.wsrb.com/insuranceedge)
Weekly newsletter covering the P/C industry, curated by our experts.
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- [HOME](https://www1.wsrb.com)
- [COMPANY](https://www1.wsrb.com/about)
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- RESOURCES
- [UNDERWRITING PROPERTY](https://www1.wsrb.com/resources/underwriting-property-risks)
- [COMMERCIAL PROPERTY](https://www1.wsrb.com/resources/risk-assessment-guide)
- [PROTECTION CLASSES](https://www1.wsrb.com/resources/public-protection)
- [LIBRARY](https://www1.wsrb.com/library)
- [HELP CENTER](https://www1.wsrb.com/video)
- [INDUSTRY TOOLKIT](https://www1.wsrb.com/resources/industry-toolkit)
- [WSRB BLOG](https://www1.wsrb.com/blog-old)
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**
** **
#### [About the Company](https://www1.wsrb.com/about)
Who we are and how we serve insurers, agents, and Washington state residents.
#### [CEO Perspective](https://www1.wsrb.com/ceo-perspective-wsrb)
Engaging thought leadership on key insurance industry issues from our CEO.
#### [Meet the Team](https://www1.wsrb.com/meet-the-team)
Get to know the team behind WSRB’s trusted data and excellent customer service.
#### [Careers](https://www1.wsrb.com/careers)
Learn about the benefits of working at WSRB and apply for open positions.
#### [Underwriting Property](https://www1.wsrb.com/resources/underwriting-property-risks)
A guide to key risks in Washington state: fire, wildfire, and earthquakes.
---
#### [Video Hub](https://www1.wsrb.com/video)
Expert webinars, timely discussions, and in-depth conversations with industry leaders..
#### [Commercial Property](https://www1.wsrb.com/risk-assessment-guide)
Information on loss costs, policy rating, and assessment tools.
---
#### [Industry Toolkit](https://www1.wsrb.com/resources/industry-toolkit)
Links to help you work smarter and serve your customers.
#### [Protection Classes](https://www1.wsrb.com/resources/public-protection)
The evaluation process explained from start to finish.
---
#### [WSRB Blog](https://www1.wsrb.com/blog)
News on emerging risks as well as our latest products.
#### [Library](https://www1.wsrb.com/library)
In-depth content on essential insurance topics.
---
#### [InsuranceEDGE](https://www1.wsrb.com/insuranceedge)
Weekly newsletter covering the P/C industry, curated by our experts.
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# Chris Barclay
Chris Barclay spent 30 years underwriting personal, commercial and agricultural lines in the Western U.S. before joining WSRB to develop innovative, easy-to-use tools that help insurers manage both entire portfolios and individual accounts. Chris lives and works in Spokane, Washington.
## All stories by Chris
### Other Authors
- [Bryan Stanwood (15)](https://www1.wsrb.com/blog/author/bryan-stanwood)
- [Chris Barclay (14)](https://www1.wsrb.com/blog/author/chris-barclay)
- [Chris Jansen (2)](https://www1.wsrb.com/blog/author/chris-jansen)
- [Dan Mangialardi (3)](https://www1.wsrb.com/blog/author/dan-mangialardi)
- [Daryl Girnus (7)](https://www1.wsrb.com/blog/author/daryl-girnus)
- [Eric Cunningham (1)](https://www1.wsrb.com/blog/author/eric-cunningham)
- [Jami Donaldson (2)](https://www1.wsrb.com/blog/author/jami-donaldson)
- [Jim Renn (1)](https://www1.wsrb.com/blog/author/jim-renn)
- [Joe Nolan (6)](https://www1.wsrb.com/blog/author/joe-nolan)
- [Julie Rochman (1)](https://www1.wsrb.com/blog/author/julie-rochman)
- [Pavin Browne (5)](https://www1.wsrb.com/blog/author/pavin-browne)
- [Rick Freier (4)](https://www1.wsrb.com/blog/author/rick-freier)
- [Robert Ferrell (12)](https://www1.wsrb.com/blog/author/robert-ferrell)
- [Robert Hartwig (1)](https://www1.wsrb.com/blog/author/robert-hartwig)
- [Robert Lacy (28)](https://www1.wsrb.com/blog/author/robert-lacy)
- [Sandra Bird (1)](https://www1.wsrb.com/blog/author/sandra-bird)
- [Sarah McMillan (1)](https://www1.wsrb.com/blog/author/sarah-mcmillan)
- [Scott Elliott (6)](https://www1.wsrb.com/blog/author/scott-elliott)
- [Terry Krueger (11)](https://www1.wsrb.com/blog/author/terry-krueger)
- [Tony Higgins (9)](https://www1.wsrb.com/blog/author/tony-higgins)
- [WSRB (24)](https://www1.wsrb.com/blog/author/wsrb)
- [Zhu Zhu Xiao (2)](https://www1.wsrb.com/blog/author/zhu-zhu-xiao)
[ ](https://www1.wsrb.com/blog/individual-risk-premium-modifications)
[Underwriting](https://www1.wsrb.com/blog/tag/underwriting)
### [Individual Risk Premium Modifications](https://www1.wsrb.com/blog/individual-risk-premium-modifications)
April 21, 2026 |
7 min read
[ ](https://www1.wsrb.com/blog/understanding-rule-85-specialized-class-rates)
[Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs)
### [Understanding Rule 85: Specialized Class Rates](https://www1.wsrb.com/blog/understanding-rule-85-specialized-class-rates)
September 2, 2025 |
2 min read
[ ](https://www1.wsrb.com/blog/understanding-rule-85-ineligible-for-class-rates)
[Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs)
### [Understanding Rule 85: Ineligible for Class Rates](https://www1.wsrb.com/blog/understanding-rule-85-ineligible-for-class-rates)
September 2, 2025 |
4 min read
[ ](https://www1.wsrb.com/blog/understanding-rule-85-who-is-class-rated)
[Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs)
### [Understanding Rule 85: Who is Class Rated?](https://www1.wsrb.com/blog/understanding-rule-85-who-is-class-rated)
September 2, 2025 |
2 min read
[ ](https://www1.wsrb.com/blog/understanding-rule-85-rating-process)
[Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs)
### [Understanding Rule 85: The Rating Process](https://www1.wsrb.com/blog/understanding-rule-85-rating-process)
September 2, 2025 |
2 min read
[ ](https://www1.wsrb.com/blog/understanding-rule-85-construction-classes)
[Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs)
### [Understanding Rule 85: Construction Classes](https://www1.wsrb.com/blog/understanding-rule-85-construction-classes)
September 2, 2025 |
4 min read
[ ](https://www1.wsrb.com/blog/understanding-rule-85-what-is-class-rated)
[Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs)
### [Understanding Rule 85: What is Class Rated?](https://www1.wsrb.com/blog/understanding-rule-85-what-is-class-rated)
September 2, 2025 |
2 min read
[ ](https://www1.wsrb.com/blog/slopescout-an-easier-way-to-determine-slope)
[Risk Assessment](https://www1.wsrb.com/blog/tag/risk-assessment)
### [SlopeScout: An Easier Way to Determine Slope](https://www1.wsrb.com/blog/slopescout-an-easier-way-to-determine-slope)
February 18, 2025 |
6 min read
[ ](https://www1.wsrb.com/blog/insuring-apartments-considerations)
[Underwriting](https://www1.wsrb.com/blog/tag/underwriting)
### [Important Considerations for Insuring Apartments](https://www1.wsrb.com/blog/insuring-apartments-considerations)
August 26, 2024 |
4 min read
[See More](https://www1.wsrb.com/blog/author/chris-barclay/page/2)
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