GL rate reductions

Since it would tun afoul of the rates approved by the state it mOSt likely is a NO
 
If there are no losses on a CGL - can I ask for credits (ie ask carrier to reduce premium)

You will likely need a more substantial story to secure credits. Why are there no losses? What risk mitigation techniques does your insured utilize that distinguish them from their peers? What sets them apart as a superior choice compared to others in their industry? If all you can provide is the absence of losses, the underwriter will likely decline to offer credits. However, if you can effectively illustrate why they have experienced no losses and are unlikely to encounter any in the future, an underwriter may be more inclined to consider offering credits.
 
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