损失率计算器

将已支付的总赔偿金除以已赚取保费，以评估保险承保盈利能力 — 超过100%的比率表示承保损失。

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.

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