Skip to main content
Calcimator

Bornhuetter-Ferguson Calculator

Calculate BF ultimate losses and IBNR reserves using the Bornhuetter-Ferguson actuarial method.

Inputs

Results

BF Ultimate Loss

$2,650,000

BF IBNR

$650,000

Expected Losses$3,250,000
Unreported Factor0.2
Implied Loss Ratio53%
How to Use This Calculator
  1. Enter the selected loss development factor (LDF) for the accident year.
  2. Input the a priori expected loss ratio.
  3. Enter the earned premium for the accident year.
  4. Enter the actual paid losses to date.
  5. Review the BF ultimate loss estimate — a blend of the chain-ladder and expected loss methods.
Ad Placeholder

Related Calculators

Loss Development Triangle Calculator

Calculate loss development factors and ultimate loss projections using chain-ladder methodology.

Loss Ratio Calculator

Calculate insurance loss ratios, expense ratios, combined ratios, and underwriting profitability metrics.

Credibility Calculator

Calculate Limited Fluctuation and Bühlmann credibility factors for actuarial ratemaking and reserving.

Pricing Adequacy Calculator

Assess whether collected premiums are sufficient to cover losses, expenses, and profit targets.

Ad Placeholder