A deviated rate adjusts standard pricing when underwriting facts justify a premium above or below the manual rate.
Common triggers include hazard conditions, claim history, policy limits, deductible structure, and loss prevention controls.
Underwriting role
Deviations are documented and approved under underwriting authority levels. Regulators expect that similarly situated risks are not arbitrarily marked up or down.
Example
A commercial auto account with advanced telematics data and defensive-driver controls may receive a lower-than-manual rate; an unsafe operation history may push it above manual.