October 2025
Dairy carrier (renewal)
This renewal faced competitive pressure and higher planned mileage, creating challenges around pricing. The team quoted a modest increase that balanced rate adequacy with retention, while the agent worked closely with us to position the value behind our coverage and service. Through that partnership, the agent successfully sold our renewal terms and retained the account-a great example of how collaboration and trust help us win even in competitive renewals.
Paper and plastic products carrier
This was a true team win from start to finish. Early collaboration between the producer and the BD team helped align on strategy and approach. When challenges arose, our loss control team stepped in for a last-minute onsite visit, leading productive safety discussions with the insured. On the underwriting side, the team worked closely to navigate the complexities of this tough risk and structure a competitive solution. Thanks to everyone's persistence and partnership, we were able to bring this one across the finish line.
Dry foods carrier
This submission was a rollercoaster from start to finish. The insured was coming off a long-term program with highly competitive rates, creating early sticker shock as they returned to the market. After meeting the producer in person during a client event, the team revisited the pricing strategy and issued a revised quote to stay competitive. Through strong collaboration and persistence, we turned a tough market opportunity into a win, showcasing the power of partnership in action.
Mail and parcel carrier
This win came down to great collaboration. Our team worked closely to walk through the account structure, deposit terms, and how our mileage reporting approach delivered added value, justifying a slightly higher premium. We were able to align terms and use flexible deposit options to close the deal at the final hour. A strong example of teamwork, flexibility, and creative problem-solving paying off.
Vehicle parts carrier
This account faced some challenges, including a few drivers that caused the rate to be non-competitive. We discussed these concerns with the agent, highlighting how certain drivers were impacting the business. The agent knew their client was eager to partner with Nirvana, so they worked with them to address the driver challenges, allowing us to offer a competitive rate. This excellent collaboration turned a challenge into a great win!
Paper, plastic, and glass products carrier
This submission was initially received without sufficient telematics data for an accurate rating. We advised the agent to resubmit after a month to ensure we had enough data to review. Their patience paid off as when we received the resubmission, their telematics showed excellent safety, allowing us to offer an affordable rate that was personalized to their fleet.
Building and construction supplies carrier
This account required close collaboration with both the agent and insured to ensure we had the most up-to- date list of drivers and equipment. The insured was very responsive, promptly providing all necessary information and working closely with us on their coverage needs. As a result, we were able to deliver them with tailored coverage well ahead of the effective date, demonstrating the importance of collaboration when working with our agents and insureds.
Paper, plastic, and glass products carrier
This account presented a few hurdles, as the insured had unique coverage needs. We collaborated with their agent to tailor our options, making it an easy choice for them to bind the policy with us. This win highlights our commitment to partnership and delivering personalized coverage for every fleet.