Commission, coinsurance, pro-rata, loss ratios, experience mods and more — each with the formula, a worked example and a plain-English guide.
Premium & Pricing
Commercial Premium Calculator — Estimate a commercial insurance premium from exposure, rate, schedule rating, experience mod, minimum premium, fees and taxes.
Workers Comp Premium Calculator — Calculate workers compensation premium by class code: payroll × rate per $100, experience mod, schedule credit, premium discount and expense constant.
General Liability Premium Calculator — Estimate general liability premium from sales or payroll with separate premises/operations and products/completed operations rates.
Experience Mod Calculator (NCCI) — Estimate a workers compensation experience modification factor with the NCCI formula: primary/excess split, weighting, ballast and the medical-only reduction.
Premium Audit Calculator — Estimate additional or return premium at audit by comparing estimated and actual payroll or sales against the deposit premium.
Rate Per Unit Calculator — Convert a premium into a rate per $100, per $1,000 or per unit of exposure and compare two quotes on the same basis.
Increased Limits Factor Calculator — Price higher liability limits from a basic-limits premium with increased limits factors (ILFs), and see the cost of each additional layer.
Rate on Line Calculator — Calculate rate on line (premium ÷ limit) and payback period for excess, umbrella and reinsurance layers.
Surplus Lines Tax Calculator — Calculate surplus lines premium tax, stamping fee and total cost to the insured for non-admitted (E&S) policies.
Premium Finance Calculator — Calculate down payment, monthly installment, finance charge and payment schedule for an insurance premium finance agreement.
Short-Rate Cancellation Calculator — Calculate short-rate return premium using a penalty percentage or the traditional short-rate table, compared with pro-rata.
Earned Premium Calculator — Calculate earned and unearned premium for any as-of date — for reserves, cancellations and reporting.
Renewal Increase Calculator — Calculate the percentage renewal increase and split it into exposure growth and pure rate change.
Policy Effective Date Calculator — Calculate a policy’s expiration date, days in term, days remaining, renewal marketing date and non-renewal notice deadline.
Premium Allocation Calculator — Allocate a total premium across locations, entities or lines in proportion to TIV, payroll, sales or any other basis.
Commission & Agency
Insurance Commission Calculator — Calculate insurance agent commission on a policy premium, net premium due to the carrier, and annual commission.
Producer Commission Calculator — Calculate a producer’s commission split on new and renewal business and how much the agency retains.
Contingent Commission Calculator — Estimate a carrier profit-sharing (contingent) bonus from loss ratio, growth and premium volume.
Producer Break-Even Calculator — Calculate how many new accounts a producer must write to cover their cost, including renewal commission over several years.
Coinsurance Penalty Calculator — Calculate the property coinsurance penalty and insurance payment when a building or contents are underinsured.
Insurance to Value Calculator — Check insurance-to-value (ITV), project values to the end of the term and find the minimum limit to meet coinsurance.
Business Interruption Calculator — Estimate a business income and extra expense limit from revenue, continuing expenses, restoration period and extended period of indemnity.
ACV Depreciation Calculator — Calculate actual cash value (replacement cost minus depreciation) and compare ACV and replacement-cost claim payments.
Building Replacement Cost Calculator — Estimate a commercial building’s replacement cost from square footage and cost per sq ft, with debris removal, ordinance or law and inflation.
Total Insured Value (TIV) Calculator — Build a schedule of values and total insured value across locations: building, contents and business income.
Ratios & Underwriting
Loss Ratio Calculator — Calculate the insurance loss ratio (incurred losses ÷ earned premium), with or without LAE, against a target.
Combined Ratio Calculator — Calculate the combined ratio — loss & LAE ratio plus expense ratio — with statutory or GAAP basis, underwriting profit and operating ratio.
Loss Development (IBNR) Calculator — Project ultimate losses and IBNR by accident year with age-to-ultimate loss development factors (chain ladder).
Loss Trend Calculator — Trend historical losses to a future policy period with an annual trend rate and exact trend period.