About

RateCraft is the leader in business insurance premium reductions. We’re not insurance agents. We are industry-expert consultants who live, eat and breathe insurance every day.

The fact is, the insurance industry is stacked against you as the buyer. We even the playing field and work the system on your behalf.  We evaluate your program for cost savings and comprehensive coverage.  If we determine by using our Free cost evaluation calculator that you are over-paying by more than 10% we recommend putting your program through our system.

The Problem

Every competent insurance agent knows what is a good price for your coverages, such as commercial auto, or umbrella coverage – they also know who their competition is or their greatest threat for competitive pricing.  The problem is that they don’t tell you.  Let me ask you this?  If you are a machine shop, do you tell your clients or prospective clients that ABC Machining down the road can offer them the same product at half the cost?  Of course you don’t, that is for them to have done their research.  Most commercial  insurance is negotiable and the price is what the demand is based on how favorable your account is to that carrier.  You can obtain better rates, better coverage if positioned correctly and who better to position you than someone from the industry that has worked with insurance carriers as well as in the agency system.  The bottom line is that it works so well, we work off contingency – you just couldn’t do that if it didn’t work.  This is a businesses checks and balance system on insurance.  If we do not think there is an opportunity, we will not take on your account.  Wouldn’t it be of value to know that your agent is doing the right job by you?

What our clients like most about our service is it gives them a person who is truly on their side, who isn’t looking to sell them an insurance policy but just help them obtain the most coverage at the least cost with the best insurance carriers.

RateCraft lowers commercial insurance policies by an average of 35%

RateCraft allows you to stay with your same agent and/or insurance carrier

RateCraft services take less than 2 hours of your time from start to finish

RateCraft is only paid if you save money, so you have nothing to lose – ever!

The Founder of RateCraft

Andrea Luoni has more than 28 years of experience in the insurance industry and 15 years as the President and founder of RateCraft (previously – Premium Rate Analysis, Inc.)

Andrea has extensive experience in commercial insurance analytics, business development, marketing, risk assessment and negotiating contracts. Prior to the founding of RateCraft (Premium Rate Analysis, Inc.) Ms. Luoni was a commercial insurance executive with Westland Insurance Brokers in San Diego,  a leading insurance brokerage firm focusing on medium to large commercial accounts. She was also the founder of Gardenhire & Associates an insurance agency consultant to independent insurance agency owners.  The company assisted agents with profitable agency management techniques to improve client satisfaction and agency profitability.  She began her career at Barney & Barney one of the largest independent insurance brokers in San Diego while attending college and was recognized as an ambitious asset and moved up through the company to become a licensed sales agent.   Andrea’s favorite quote – “I didn’t think you would actually be able to do this”   author – many RateCraft clients.  Andrea loves making what seems unbelievable a reality. Andrea realized insurance could not be her whole life so you may catch her racing triathlons, running trails throughout the world and giggling often with her daughter.