Calculators › Risk & actuarial

Loss ratio calculator

The combined ratio is the single number that says whether an insurer makes money underwriting, and anything above 100% means it does not.

Earned premium ($)Incurred losses ($)Loss adjustment expense ($)Underwriting expenses ($)

This is an educational tool, not a quote or advice. It uses general formulas and the figures you enter. Policy terms, state rules and insurer practice vary, so check anything important with a licensed agent.

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