INSURANCE & INSURTECH · T455 cat-30

P&C Combined Ratio Analyzer & Benchmarker

Compute the three foundational P&C profitability ratios: Loss Ratio, Expense Ratio, and Combined Ratio: from your premium, loss, and expense figures. Benchmark the result against published industry medians by line of business and read colour-coded adequacy zones with NAIC IRIS regulatory context.

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📊CSV Export · NAIC / AM Best

Combined Ratio Loss Ratio Expense Ratio P&C Underwriting NAIC IRIS AM Best Benchmarks

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A: Line of Business & Premium

Line of Business Benchmark medians are selected to match this line where a published figure exists.

Earned Premium ($) Premium earned over the reporting period

Written Premium ($): optional Used as expense-ratio denominator on Written basis. Leave 0 to default to Earned.

Reporting Period Label only: not used in any calculation

Expense-Ratio Basis Statutory expense ratios are typically computed on Written premium

B: Losses & LAE

Incurred Losses ($) Claims paid + case reserves

Loss Adjustment Expense: LAE ($) ALAE + ULAE combined

C: Underwriting Expenses

Underwriting Expenses ($) Commissions + salaries + overhead

Policy Acquisition Costs ($): optional Optional separate line; added to underwriting expenses if > 0

Investment Yield (%): optional, for Operating Ratio Leave 0 to skip the Operating Ratio panel. Operating Ratio = Combined Ratio − Investment Yield %.

1: KPI Cards

2: Benchmark Gauge

3: NAIC IRIS Ratio Indicator

4: Decomposition vs Benchmark

5: Interpretation

Indicative Industry Medians: as of source year

          Sources: AM Best P&C Industry Financial Review (2024 / 2025 editions) · NAIC Industry Data (2024).
        

About This Tool

Disclaimer Indicative profitability analysis only. The Combined Ratio excludes investment income; the Operating Ratio adjustment is illustrative. Benchmarks are industry medians: an individual company's results may differ materially based on mix of business and geographic concentration. Not a substitute for actuarial sign-off or statutory filing.

Loss Ratio (Incurred Losses + LAE) ÷ Earned Premium. Measures the share of premium consumed by claims and claims-handling cost. P&C underwriting fundamentals

Expense Ratio Underwriting Expenses ÷ Written or Earned Premium. Measures the cost of acquiring and servicing the book. Statutory accounting (Written basis)

Combined Ratio Loss Ratio + Expense Ratio. Below 100% indicates an underwriting profit; above 100% an underwriting loss before investment income. Universal P&C KPI

NAIC IRIS Ratios The NAIC Insurance Regulatory Information System screens insurer financial health; a two-year combined ratio above its usual range can flag a solvency concern for regulatory review. NAIC IRIS Ratios Manual (2025)

Adequacy Zones

● Green: ProfitableCR < 95%

● Amber: Marginal95–105%

● Red: Loss-makingCR > 105%

● IRIS flagCR > 115%