Loss Ratio Calculator

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

Earned Premiums

Incurred Losses

Paid Losses

Loss Adjustment Expenses

Underwriting Expenses

Loss Ratio

70%

Combined Ratio

95%

Underwriting Profit

$50,000

Profit Margin

Expense Ratio25%

Operating Ratio95%

Loss Ratio

70%

Combined Ratio

95%

Underwriting Profit

$50,000

Profit Margin

How to Use This Calculator

Start by filling in the input fields below. Results update instantly as you type, so you can experiment with different values to see how they affect the outcome.
Earned Premiums — Total earned premiums default: 1,000,000.
Incurred Losses — Total incurred losses default: 700,000.
Paid Losses — Total paid losses default: 650,000.
Loss Adjustment Expenses — Expenses related to claims handling default: 50,000.
Underwriting Expenses — Acquisition and operational expenses default: 200,000.
Once all inputs are set, review your results in the Results panel. Here's what each output means:
Loss Ratio — shown as a percentage. This is the primary result of this calculator.
Combined Ratio — shown as a percentage. This is the primary result of this calculator.
Underwriting Profit — shown as a dollar amount. This is the primary result of this calculator.
Profit Margin — shown as a percentage. This is the primary result of this calculator.
Expense Ratio — shown as a percentage.
Operating Ratio — shown as a percentage.
Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.

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Formula

Loss Ratio = (Incurred Losses / Earned Premiums) × 100

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