Formula
- Use the units shown beside each field.
- Results update automatically whenever you change an input.
- Displayed values use up to four decimal places, or scientific notation for very small or large numbers. Calculations use standard floating-point arithmetic; exact integer and fraction tools identify their own precision rules.
- Both components use earned premiums here. Some statutory conventions use written premiums for expense ratios. Investment income excluded.
Example Calculation
- Incurred losses and adjustment expense: 70
- Underwriting expense: 25
- Earned premiums: 100
Incurred losses and adjustment expense = 70; Underwriting expense = 25; Earned premiums = 100. The primary result is 95.
Frequently asked questions
How do I use this calculator?
Enter incurred losses and adjustment expense, underwriting expense, earned premiums. The result updates automatically. Use Reset to restore the example values.
What method does it use?
combined ratio=(losses+expenses)/earned premiums.. Both components use earned premiums here. Some statutory conventions use written premiums for expense ratios. Investment income excluded.
Why might a rounded result differ?
The calculation keeps full numeric precision internally, then rounds the displayed result. Rounding intermediate steps by hand can produce a slightly different answer.
Are my inputs saved online?
No. This calculator processes your inputs in your browser. A recently used list stores only calculator names on this device, not your entered values.
Check the assumptions and units before using this result. Read about calculation methods.