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Calculadora de Ratio de Sinistralidad

Divide los siniestros totales pagados por las primas ganadas para evaluar la rentabilidad de la suscripción de seguros — un ratio superior al 100% indica una pérdida en la suscripción.

Incurred Losses
$
Earned Premiums
$
Time Period
Profit Margin50.00%
Premium AdequacyExcellent
Risk LevelVery Low
Frequency500/K
Loss Ratio
50.00%
Strong Profit
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Industry use cases
Workers' Compensation Claims Monitoring Compare total claims paid against earned premiums to assess whether workplace safety improvements are reducing loss ratios over time.
Commercial Property Portfolio Review Calculate monthly loss ratios across regional property accounts to identify high-risk areas and adjust underwriting or coverage limits.
Captive Health Insurance Management Monitor quarterly loss ratios of a company-sponsored health insurance plan to ensure premium levels adequately cover claims and reserves.
Insurance Broker Client Account Analysis Analyze year-to-date loss ratios across your client portfolio to identify unprofitable accounts and prioritize renewal negotiations.
Frequently asked questions
What is a good loss ratio?
A good loss ratio is below 60%, indicating strong underwriting profitability. Ratios between 60% and 80% are acceptable, while above 100% signals an underwriting loss.
Can a loss ratio exceed 100%?
Yes. A loss ratio above 100% means the insurance company paid more in claims than it collected in premiums, resulting in an underwriting loss before operating expenses.
How is loss ratio calculated?
Loss Ratio = (Incurred Losses / Earned Premiums) × 100. Incurred losses include both claims paid and reserves set aside for unpaid claims.
What's the difference between loss ratio and combined ratio?
Loss ratio measures claims only. Combined ratio adds operating expenses to loss ratio, providing a complete picture of insurer profitability.
What does a 75% loss ratio mean?
A 75% loss ratio means the insurer paid 75 cents in claims for every dollar of premiums earned. This is considered acceptable performance with reasonable profitability.
Relacionadas en Negocios
Tarifa Diaria Promedio → Índice de Rotación de Cuentas por Cobrar → Calculadora de Beneficio Contable → Calculadora de Ratio de Apalancamiento →
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