--- title: WSRB Blog | Terry Krueger description: Terry Krueger was WSRB's Senior Subscriber Services Analyst until her recent retirement. She joined WSRB in 2005 after many years in the insurance industry, working in commercial lines rating and underwriting. --- [![Go to WSRB](https://www1.wsrb.com/hs-fs/hubfs/images/logos/wsrb-logo-white.png?width=120&height=20&name=wsrb-logo-white.png "Go to WSRB")](https://www1.wsrb.com/) [![Go to BuildingMetrix](https://www1.wsrb.com/hs-fs/hubfs/buildingmetrix/logo/inactive-BMI-1.png?width=140&height=23&name=inactive-BMI-1.png "Go to BuildingMetrix")](https://www.buildingmetrix.com/) [![Washington Surveying & Rating Bureau logo](https://www1.wsrb.com/hs-fs/hubfs/images/logos/wsrb-horiz-logo-rgb.png?width=150&height=51&name=wsrb-horiz-logo-rgb.png "Washington Surveying & Rating Bureau logo")](https://www1.wsrb.com/) [![CREATE AN ACCOUNT](https://no-cache.hubspot.com/cta/default/2459360/aa915923-2069-489f-ac4c-7946d6a68368.png)](https://cta-redirect.hubspot.com/cta/redirect/2459360/aa915923-2069-489f-ac4c-7946d6a68368) [![LOG IN](https://no-cache.hubspot.com/cta/default/2459360/04bb3ea0-778f-4261-b716-8cb51be8b93c.png)](https://cta-redirect.hubspot.com/cta/redirect/2459360/04bb3ea0-778f-4261-b716-8cb51be8b93c) ** ** ** #### [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.    [![WSRB-Horiz_Logo_RGB](https://www1.wsrb.com/hs-fs/hubfs/images/logos/WSRB-Horiz_Logo_RGB.png?width=150&height=51&name=WSRB-Horiz_Logo_RGB.png "WSRB-Horiz_Logo_RGB")](https://www1.wsrb.com/) [![CREATE AN ACCOUNT](https://no-cache.hubspot.com/cta/default/2459360/aa915923-2069-489f-ac4c-7946d6a68368.png)](https://cta-redirect.hubspot.com/cta/redirect/2459360/aa915923-2069-489f-ac4c-7946d6a68368) [![LOG IN](https://no-cache.hubspot.com/cta/default/2459360/04bb3ea0-778f-4261-b716-8cb51be8b93c.png)](https://cta-redirect.hubspot.com/cta/redirect/2459360/04bb3ea0-778f-4261-b716-8cb51be8b93c) ** ** ** #### [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.  Search **Search filters** Website pages Blog posts Help Center articles Include results from BuildingMetrix.com [![wsrb_white-logo](https://www1.wsrb.com/hs-fs/hubfs/wsrb_white-logo.png?width=100&height=17&name=wsrb_white-logo.png "wsrb_white-logo")](https://www1.wsrb.com/) ** ** # Terry Krueger Terry Krueger was WSRB's Senior Subscriber Services Analyst until her recent retirement. She joined WSRB in 2005 after many years in the insurance industry, working in commercial lines rating and underwriting. ## All stories by Terry ### 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/hubfs/hard-market-individual-risk-premium-modifications.jpg) ](https://www1.wsrb.com/blog/hard-market-individual-risk-premium-modifications) [Underwriting](https://www1.wsrb.com/blog/tag/underwriting) ### [The Hard Market, Individual Risk Premium Modifications: How WSRB Can Help](https://www1.wsrb.com/blog/hard-market-individual-risk-premium-modifications) July 21, 2020 | 4 min read [![](https://www1.wsrb.com/hubfs/Seattle%20federal%20building.png) ](https://www1.wsrb.com/blog/commercial-lines-rating-series-part-8-causes-of-loss-special-form) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Commercial Lines Rating: Special Causes of Loss Form](https://www1.wsrb.com/blog/commercial-lines-rating-series-part-8-causes-of-loss-special-form) July 30, 2019 | 4 min read [![](https://www1.wsrb.com/hubfs/downtown-seattle-commercial.jpg) ](https://www1.wsrb.com/blog/class-rate-or-not-rule-85-part-5-commercial-lines-rating) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [To Be Class Rated or Not To Be, Rule 85](https://www1.wsrb.com/blog/class-rate-or-not-rule-85-part-5-commercial-lines-rating) August 21, 2018 | 4 min read [![](https://www1.wsrb.com/hubfs/working%20on%20laptop-1.png) ](https://www1.wsrb.com/blog/how-to-read-a-wsrb-loss-cost-publication) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Commercial Lines Rating: How to Read a WSRB Loss Cost Publication](https://www1.wsrb.com/blog/how-to-read-a-wsrb-loss-cost-publication) June 12, 2018 | 2 min read [![](https://www1.wsrb.com/hubfs/amazon%20spheres.png) ](https://www1.wsrb.com/blog/when-to-use-the-broad-cause-of-loss-form-part-7-in-the-commercial-lines-rating-series) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Commercial Lines Rating: Broad Causes of Loss Form](https://www1.wsrb.com/blog/when-to-use-the-broad-cause-of-loss-form-part-7-in-the-commercial-lines-rating-series) January 30, 2018 | 2 min read [![](https://www1.wsrb.com/hubfs/downtown%20building%20reflection.png) ](https://www1.wsrb.com/blog/the-basics-on-the-basic-cause-of-loss-part-6-in-the-commercial-lines-rating-series) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Commercial Lines Rating: Basic Causes of Loss Form](https://www1.wsrb.com/blog/the-basics-on-the-basic-cause-of-loss-part-6-in-the-commercial-lines-rating-series) January 16, 2018 | 4 min read [![](https://www1.wsrb.com/hubfs/green%20construction.png) ](https://www1.wsrb.com/blog/going-green-part-4-of-commercial-lines-rating-series) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Commercial Lines Rating: Going Green](https://www1.wsrb.com/blog/going-green-part-4-of-commercial-lines-rating-series) December 12, 2017 | 3 min read [![](https://www1.wsrb.com/hubfs/coinsurance.png) ](https://www1.wsrb.com/blog/coinsurance-primer-part-3-of-commercial-lines-rating-series) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Commercial Lines Rating: Coinsurance](https://www1.wsrb.com/blog/coinsurance-primer-part-3-of-commercial-lines-rating-series) November 14, 2017 | 3 min read [![](https://www1.wsrb.com/hubfs/working%20in%20the%20office.png) ](https://www1.wsrb.com/blog/loss-costs-and-loss-cost-multipliers) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Commercial Lines Rating: Loss Costs and Loss Cost Multipliers](https://www1.wsrb.com/blog/loss-costs-and-loss-cost-multipliers) November 7, 2017 | 2 min read [See More](https://www1.wsrb.com/blog/author/terry-krueger/page/2) ![Washington Surveying & Rating Bureau logo](https://www1.wsrb.com/hs-fs/hubfs/wsrb_white-logo.png?width=200&height=34&name=wsrb_white-logo.png "Washington Surveying & Rating Bureau logo") Phone: 206-217-0101 Hours: 7:30 AM - 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All Rights Reserved. ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "contentUrl" : "https://2459360.fs1.hubspotusercontent-na1.net/hubfs/2459360/video_assets/216900317190/inherited/web_optimized.mp4", "dateModified" : "2026-07-10T17:04:34.060Z", "duration" : "PT9M27.734S", "height" : 2160, "name" : "Rule 85 - Quick 15", "thumbnailUrl" : "https://api-na1.hubspot.com/filemanager/api/v3/files/thumbnail-redirect/216900317190?portalId=2459360&size=medium", "uploadDate" : "2026-07-10T16:57:31.221Z", "width" : 3840 } ```