How do I price a risk that does not fit the rate table?

You can apply the rate table when a risk fits its boxes. But when something nonstandard comes along, off the edges of the table, you are stuck. That gap is normal and it is where underwriting really begins. The table handles the ordinary. Judgment handles the rest, and judgment is exactly the skill you are now being asked to grow.\nStart by seeing what the table actually is: someone's collected judgment about common risks, frozen into a formula. When a risk falls outside it, you do not abandon the thinking behind the table, you do the thinking yourself. Ask the same questions the table silently asks. How likely is a loss here? How large could it be? What makes this case more dangerous or less than a standard one? The nonstandard risk is not lawless. It just needs you to reason where the table cannot.\nSo build a bridge from what you know. Take the nonstandard risk and find the closest standard one the table does cover. Start from that price, then adjust up or down for each way this case differs, more exposure here, a safeguard there. Reason each step out loud or on paper. Pricing the unusual is not guesswork. It is the table's logic applied by hand. Practice that bridge on your next odd risk and your confidence will grow.