Insurance calculators

Enter projected income, continuing expenses, payroll, restoration time, and policy limits to estimate the business income limit you may need and how a sample loss would pay.

Enter two car insurance deductible quotes to see the premium savings, break-even claim chance, expected cost, and whether the higher deductible fits your cash cushion.

Compare a quote-specific claims-made premium path, including a possible tail at exit, with a comparable occurrence quote. The schedule separates scheduled step increases from your assumption about changing annual rates.

Estimate what may be returned when a policy is cancelled. The calculator compares pro-rata and short-rate treatment, then reconciles the result against payments and nonrefundable fees.

Enter a consistent set of insurance-period figures to calculate loss, expense, combined, and operating ratios. The results also show the loss and loss-adjustment expense amount that would bring underwriting to break-even.

Enter the policy premium, down payment, financed fees, and quote terms to estimate the monthly installment, total cost, and all-in effective APR.

Enter a confidence level, tolerance, claim count, severity variation, and complement estimate to calculate the limited fluctuation credibility factor and the blended estimate.

Enter six cumulative-loss pairs from one development interval to examine the consistency of their age-to-age factors. The results compare common averages and show variation, trend, possible outliers, and the effect of omitting each cohort.

Enter your premium, vet bill, deductible, reimbursement rate, exclusions, and annual limit to estimate the claim payment and the bill size where the policy breaks even for the year.

Enter the property value, coinsurance percentage, limit carried, covered loss, and deductible to estimate the insurer payment and any coinsurance penalty.

Enter the replacement estimate, item age, useful life, deductible, and actual spending to estimate the first ACV check, the recoverable depreciation payment, and the amount left out of pocket.

Enter an excess layer, its reinstatement terms, and up to three occurrence losses. The calculator sorts the events by policy-year day and shows recovery, remaining capacity, reinstatement premium, and net recovery.

Enter the standard premium, plan factors, and included losses to estimate the retrospective premium, premium adjustment, and loss levels where the floor, cap, and break-even point are reached.

Enter the values from an experience-rating worksheet to estimate the mod, the premium effect, and how sensitive the result is to another primary or excess loss.