Combined Ratio Calculator

Calculate the combined ratio to assess insurer profitability.

Enter the incurred losses value for this calculation.
$
Money spent or cost incurred.
$
Money spent or cost incurred.
$
Enter the earned premium value for this calculation.
$

Results

Loss Ratio:
Calculated ratio between values.
-%
Expense Ratio:
Calculated ratio between values.
-%
Combined Ratio:
Calculated ratio between values.
-%
Underwriting Profit Margin:
Calculated underwriting profit margin based on your inputs.
-%
Reference: NAIC/ISO Standards.