Combined Ratio Calculator
FinanceCalculate the combined ratio used by insurers to measure underwriting profitability by comparing claims and expenses to earned premiums.
Combined Ratio
Total losses and expenses as a percentage of earned premiums
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Frequently Asked Questions
What does a combined ratio under 100 percent mean?
A combined ratio below 100 percent means the insurer is earning more in premiums than it pays out in claims and expenses, indicating underwriting profit.
What does a combined ratio over 100 percent mean?
A ratio above 100 percent means claims and expenses exceed premium income, so the insurer is relying on investment income to be profitable overall.
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