Some comercial insurance, workers compensation specially, have something called technical excesses sharing where the insured company give back some money if the client company had less claims that the premium paid. But that only offered to really big accounts.
Some comercial insurance, workers compensation specially, have something called technical excesses sharing where the insured company give back some money if the client company had less claims that the premium paid. But that only offered to really big accounts.
And this would only make the insurance that much more expensive to everyone.