Loss Ratio Calculator
Calculate insurance loss ratios, expense ratios, combined ratios, and underwriting profitability metrics.
Inputs
$
$
$
$
$
Results
Loss Ratio
70%
Combined Ratio
95%
Underwriting Profit
$50,000.00
Profit Margin
5%
Expense Ratio25%
Operating Ratio95%
How to Use This Calculator
- Enter incurred losses (paid plus reserved) for the period.
- Input earned premium for the same period.
- Review the loss ratio percentage.
- Compare to the target loss ratio embedded in the rate filing.
- A combined ratio (loss ratio + expense ratio) above 100% indicates an underwriting loss.
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Formula
Loss Ratio = (Incurred Losses / Earned Premiums) × 100Related Calculators
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