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Terry Krueger

As WSRB's Subscriber Services Analyst, Terry remembers our Subscribers every need. She confidently serves our Subscribers every with skill, strength and compassion.
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Recent Posts

To Be Class Rated or Not To Be, Rule 85: Part 5 of Commercial Lines Rating Series

Posted by Terry Krueger on September 17, 2019

Can your commercial risk be rated on a class basis, or must it be specifically rated? Rule 85 will tell you.

To help you understand when you need to order an inspection to get a specific loss cost, we've updated one of our most popular blog posts. Read on to learn more about Rule 85 and how to apply it.

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Topics: Building Construction, Commercial Rating

What is Covered and When to Use the Special Causes of Loss Form, Part 8 in the Commercial Lines Rating Series

Posted by Terry Krueger on July 30, 2019

Insurance is always changing, so we have updated our post on the Special Causes of Loss form, part of our series on the basics of Commercial Rating. We've also updated our posts on the Basic and Broad Causes of Loss forms. Since each post builds on the previous one, we encourage you to read the series from the beginning.

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Topics: Building Construction, Commercial Rating

RCP Codes Demystified

Posted by Terry Krueger on August 21, 2018

According to Wikipedia, RCP could refer to Rochester Community Players, Radio Club Paraguayo, or the Romanian Communist Party.

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Topics: Insurance underwriting, loss cost, RCP codes, GIS Mapping, insurance

How to Read a WSRB Loss Cost Publication

Posted by Terry Krueger on June 12, 2018

As a WSRB Subscriber, you’ve probably used our Risk Search tool to find Basic Group I (BGI) loss costs for specifically rated properties. But do you know what all that information means? If not, read on. We’ll review a typical WSRB loss cost publication to help fill in the blanks.

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Topics: Loss Cost Lookup

When to use the Broad Causes of Loss Form, Part 7 in the Commercial Lines Rating Series

Posted by Terry Krueger on January 30, 2018

Only two more posts left until our Commercial Lines Rating series reaches its conclusion. If you’ve been following this series, you’ll know that each post builds upon the last, so we encourage you not to get ahead of the story, so to speak. If you’re new to this series, or just need a refresher on Commercial Lines Rating, you’ll want to start with Part 1 and read the posts in order.

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Topics: Building Construction, Commercial Rating

The Basics on the Basic Causes of Loss, Part 6 in the Commercial Lines Rating Series

Posted by Terry Krueger on January 16, 2018

We’re moving ahead with part six of our Commercial Lines Rating series on Basic Causes of Loss.

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Topics: Building Construction, Commercial Rating

Going Green – Part 4 of Commercial Lines Rating Series

Posted by Terry Krueger on December 12, 2017

If there’s a silver lining to property damage, it’s the chance to “go green.” Green construction is a hot trend in the industry, and it’s popular with policyholders who need to rebuild. While green construction offers a number of environmental benefits, it also requires pre-planning from an insurance standpoint.

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Topics: Building Construction, Commercial Rating

Coinsurance Primer – Part 3 of Commercial Lines Rating Series

Posted by Terry Krueger on November 14, 2017

Ever heard anyone talk trash about their insurance? Quite often, it’s because they thought their policy covered something that it didn’t. When a claim doesn’t pay what they expect, it can lead to anger and frustration. This also serves to give the insurance industry a bad rap.

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Topics: Property and Casualty Loss Control

What are Loss Costs and Loss Cost Multipliers? – Part 2 in the Basics of Commercial Lines Rating series

Posted by Terry Krueger on November 7, 2017

Our blog series, The Basics of Commercial Lines Ratings, offers a refresher course on the fundamentals. In Part 1, we looked at the components needed for developing a commercial property rate. In Part 2, we explore loss costs and loss cost multipliers.

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Topics: loss cost, property rating

Rating Commercial Property, Part 1 of Commercial Lines Rating Series

Posted by Terry Krueger on October 24, 2017

These days, it’s easy to access all kinds of data with a click of the mouse. But when we’re faced with information overload, we can forget the basics.

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Topics: property rating, Building Construction