Underwriting Risk Calculator

Calculate underwriting risk, expected losses, risk-adjusted premiums, and capital requirements for insurance policies.

Policy Value

Annual Premium

Probability of Claim

Expected Claim Amount

Worst Case Claim

Reinsurance Coverage

Tab to move between fields

Expected Loss

$1,000.00

Underwriting Profit

$9,000.00

Profit Margin

90%

Risk Score

2 / 100

Risk-Adjusted Premium$10,000.00

Capital Requirement$50,000.00

How to Use This Calculator

Enter the portfolio's expected loss ratio.
Input the volatility (coefficient of variation) of the loss ratio.
Set the confidence level for capital assessment.
Review the risk-based capital requirement at the selected confidence level.
Use the output to evaluate whether the portfolio's premium supports the underwriting risk.

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Formula

Expected Loss = Probability × Claim Amount

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