Insurance
All lines of insurance — commercial, property, auto, health, life and specialty — plus the actuarial maths underneath them.
Commercial lines first, because that is what most people arrive here asking about. General liability limits and premium drivers, business interruption values and indemnity periods, professional liability and D&O, cyber liability limits and breach cost, commercial property and workers' compensation, and surety bond cost by bond type and credit tier.
Personal lines follow: property replacement cost and coinsurance, auto liability and deductible trade-offs, health plan total cost against deductible and out-of-pocket maximum, and life insurance need by income replacement or DIME.
Actuarial tools sit underneath — loss ratios, reserves, credibility weighting, mortality and annuity factors, and premium adequacy.
83 calculators in 4 sections.
Start with these
The questions people most often bring to this page, and the calculator that answers each one.
- Business Insurance Cost Calculator — What general liability, BOP and workers' comp actually cost a small business.
- General Liability Premium Calculator — GL premium from payroll, receipts and class code.
- Life Insurance Ladder Calculator — Laddered term policies against a declining coverage need.
Matches are ranked by relevance. Use CtrlK anytime to search the full site.
Commercial Lines
General liability, business interruption, cyber, D&O, workers' comp, surety bonds.
Business Insurance Cost Calculator
Estimate total annual business insurance cost across all coverage lines.
Business Interruption Coverage Calculator
Calculate the appropriate business interruption insurance coverage based on revenue, profit margin, and expected recovery timeline.
Commercial Auto Insurance Calculator
Estimate fleet insurance costs based on vehicle count, use type, mileage, and coverage levels.
Cyber Insurance Calculator
Estimate cyber liability insurance premiums based on revenue, data records, security posture, and industry risk.
Directors & Officers Insurance Calculator
Estimate D&O insurance premiums based on company size, assets, industry, and board composition.
Employment Practices Liability Calculator
Estimate EPLI insurance costs based on employee count, industry, claims history, and coverage limits.
General Liability Premium Calculator
Estimate general liability insurance premiums based on revenue, payroll, industry classification, and coverage limits.
Key Employee Disability Calculator
Calculate disability coverage for key revenue-generating employees to protect the business from income loss during disability.
Product Liability Insurance Calculator
Estimate product liability insurance premiums based on product type, revenue, distribution scope, and sales volume.
Professional Liability (E&O) Calculator
Estimate errors and omissions insurance costs by profession, revenue, coverage limits, and claims history.
Surety Bond Calculator
Calculate surety bond premium based on bond amount, credit score, business experience, and bond type.
Event Cancellation Insurance Calculator
Estimate event cancellation insurance premiums from total event cost, event type, attendance, and risk factors.
Drone Insurance Calculator
Estimate commercial drone insurance premiums from hull value, liability limit, use case, and fleet size.
Livestock Insurance Calculator
Estimate livestock mortality and theft insurance premiums from herd size, species, value, and coverage type.
Crop Hail Insurance Calculator
Estimate crop-hail insurance premiums from acreage, expected yield, coverage price, and county rate.
Fine Art Insurance Calculator
Estimate fine art and valuable articles insurance premiums from collection value, location, and transit needs.
Wedding Insurance Calculator
Estimate wedding insurance premiums for cancellation, liability, and liquor coverage from wedding cost and guest count.
Travel Insurance Comparison Calculator
Compare basic, standard, and comprehensive travel insurance premiums from trip cost, age, duration, and destination.
Pet Insurance Calculator
Estimate pet insurance premiums and expected value from pet type, age, breed size, deductible, and coverage level.
Title Insurance Calculator
Estimate title insurance premiums for owner's and lender's policies from purchase price and loan amount.
Equipment Breakdown Insurance Calculator
Estimate equipment breakdown (boiler & machinery) insurance premiums from equipment value, type, age, and deductible.
Property & Auto
Replacement cost, coinsurance, deductible trade-offs and auto liability limits.
Condo Insurance Calculator
Calculate HO-6 condo insurance coverage needs based on your master policy type, personal property, and loss assessment exposure.
Earthquake Insurance Calculator
Estimate earthquake insurance premiums and deductible amounts based on risk zone, construction type, and coverage level.
Flood Insurance Cost Calculator
Estimate NFIP flood insurance premiums based on flood zone, building type, elevation, and coverage amounts.
Home Business Endorsement Calculator
Calculate the cost of adding home-based business coverage to your homeowners policy vs a standalone business policy.
Home Inventory Calculator
Calculate the total value of your personal property for contents insurance coverage and identify items needing scheduled coverage.
Homeowners Insurance Calculator
Estimate your homeowners insurance premium based on dwelling replacement cost, deductible, and risk factors.
Landlord Insurance Calculator
Estimate rental property insurance costs including dwelling, liability, and lost rent coverage.
Replacement Cost vs ACV Calculator
Compare claim payouts under replacement cost value (RCV) and actual cash value (ACV) insurance policies.
Umbrella Policy Calculator
Determine the right umbrella insurance coverage amount based on your net worth, future earnings, and risk factors.
Wind & Hail Deductible Calculator
Calculate your percentage deductible cost for wind and hail damage and compare it to standard deductible options.
Accident Surcharge Calculator
Calculate how much your auto insurance premium increases after an at-fault accident and the total cost over the surcharge period.
Auto Insurance Premium Calculator
Estimate your auto insurance premium based on vehicle value, driver profile, coverage levels, and deductible.
Classic Car Insurance Calculator
Estimate insurance costs for classic and collectible vehicles with agreed value vs stated value coverage options.
Deductible Optimization Calculator
Analyze the break-even point for raising your auto insurance deductible and see long-term savings vs risk.
Gap Insurance Calculator
Calculate how much you are underwater on your auto loan and whether gap insurance is worth the cost.
Liability Coverage Calculator
Determine your recommended auto liability limits based on your net worth, assets, and income exposure.
Multi-Vehicle Discount Calculator
Calculate savings from bundling multiple vehicles on a single auto insurance policy.
Rideshare Insurance Calculator
Calculate the coverage gaps and supplemental insurance costs for Uber, Lyft, and other rideshare drivers.
SR-22 Cost Calculator
Calculate the cost of SR-22 insurance filing including premium surcharges and total cost over the required filing period.
Usage-Based Insurance Calculator
Estimate your potential savings from telematics-based auto insurance by scoring your driving habits.
Health & Life
Plan total cost, deductible and OOP max, and life cover need and term choice.
ACA Subsidy Calculator
Estimate your Affordable Care Act premium tax credit based on household income and family size. Uses 2026 Federal Poverty Level guidelines and enhanced subsidy rates.
COBRA Cost Calculator
Calculate your monthly COBRA premium and compare it to marketplace alternatives after losing employer coverage.
Dental Plan ROI Calculator
Calculate whether a dental insurance plan is worth the premium based on your expected procedures and coverage levels.
FSA vs HSA Comparison Calculator
Compare the tax savings and long-term value of Flexible Spending Accounts (FSA) vs Health Savings Accounts (HSA).
Health Insurance Tax Deduction Calculator
Calculate the tax deduction for self-employed health insurance premiums or itemized medical expense deductions.
Health Plan Comparison Calculator
Compare total annual costs across Bronze, Silver, Gold, and Platinum health insurance plans based on your expected medical spending.
HSA Contribution Calculator
Determine the optimal HSA contribution based on your expected medical expenses, tax bracket, and contribution limits.
Medicare Plan Comparison Calculator
Compare total costs between Original Medicare with Medigap and Medicare Advantage plans based on your expected medical needs.
Out-of-Pocket Maximum Calculator
Calculate your expected out-of-pocket costs based on planned medical procedures, deductible, coinsurance, and OOP maximum.
Short-Term Health Insurance Calculator
Calculate the total cost of short-term health insurance coverage for gaps between employer or marketplace plans.
DIME Method Calculator
Use the DIME formula (Debt, Income, Mortgage, Education) to quickly estimate your life insurance coverage needs.
Group Life Insurance Cost Calculator
Calculate the per-employee and total cost of employer-sponsored group life insurance benefits.
Human Life Value Calculator
Calculate the present value of your future earnings to determine your economic worth for life insurance purposes.
Key Person Insurance Calculator
Calculate the appropriate coverage amount for key employee life insurance based on revenue impact and replacement costs.
Life Insurance Ladder Calculator
Design a laddered term life insurance strategy with staggered policies that decline as your coverage needs decrease over time.
Life Insurance Needs Calculator
Determine how much life insurance coverage you need based on income replacement, debts, and financial goals.
Life Settlement Value Calculator
Estimate the potential life settlement amount from selling your life insurance policy on the secondary market.
Term Life Premium Calculator
Estimate term life insurance premiums based on your age, health class, gender, and desired coverage amount.
Universal Life Illustration Calculator
Compare projected cash values under guaranteed and current interest rate scenarios for universal life insurance.
Whole Life Cash Value Calculator
Project the cash value accumulation and dividend earnings of a whole life insurance policy over time.
Actuarial
Loss ratios, reserving, credibility, mortality tables and annuity factors.
Life Expectancy Calculator
Calculate life expectancy based on age, gender, lifestyle factors, and health metrics. Uses actuarial science principles.
Mortality Rate Calculator
Calculate mortality rates, death probabilities, and survival probabilities using actuarial methods.
Insurance Premium Calculator
Calculate life insurance premiums using actuarial principles. Factors in age, gender, health status, and risk factors.
Annuity Present Value Calculator
Calculate present value and future value of annuities. Supports ordinary and annuity due payments with various frequencies.
Risk Assessment Calculator
Calculate Value at Risk (VaR), Conditional VaR, and risk metrics for actuarial risk assessment.
Pension Benefit Calculator
Calculate pension benefits, present value, and retirement income using actuarial methods.
Actuarial Reserve Calculator
Calculate required actuarial reserves for insurance policies and pension plans using actuarial methods.
Loss Ratio Calculator
Calculate insurance loss ratios, expense ratios, combined ratios, and underwriting profitability metrics.
Underwriting Risk Calculator
Calculate underwriting risk, expected losses, risk-adjusted premiums, and capital requirements for insurance policies.
Claims Frequency Calculator
Calculate claims frequency rates, pure premium, and loss per exposure unit for actuarial analysis.
Insurance & Annuity Master Calculator
Insurance premiums, annuity values, pension benefits, and claims analysis.
Mortality & Risk Calculator
Life expectancy, mortality rates, reserves, and underwriting risk analysis.
Loss Development Triangle Calculator
Calculate loss development factors and ultimate loss projections using chain-ladder methodology.
Bornhuetter-Ferguson Calculator
Calculate BF ultimate losses and IBNR reserves using the Bornhuetter-Ferguson actuarial method.
Credibility Calculator
Calculate Limited Fluctuation and Bühlmann credibility factors for actuarial ratemaking and reserving.
Experience Rating Mod Calculator
Calculate workers' compensation experience modification factor based on actual vs expected losses.
Rate Filing Calculator
Calculate indicated rate changes for insurance rate filings using loss ratio and expense analysis.
Catastrophe Model Loss Calculator
Estimate catastrophe losses including expected annual loss, probable maximum loss, and exceedance probabilities.
Reinsurance Pricing Calculator
Price excess-of-loss reinsurance layers with technical premium, risk load, brokerage, and rate on line calculations.
Tail Factor Calculator
Calculate loss development tail factors for actuarial reserving using exponential decay extrapolation.
Pricing Adequacy Calculator
Assess whether collected premiums are sufficient to cover losses, expenses, and profit targets.
Risk Load Calculator
Calculate actuarial risk loads and margin for adverse deviation based on loss volatility and confidence levels.