combined-ratio
loss-ratio
expense-ratio
P&C
underwriting
NAIC-IRIS
AM-Best
benchmark
insurance
actuarial
profitability
Zero-PII

P&C Combined Ratio Analyzer & Benchmarker

Compute Loss Ratio, Expense Ratio, and Combined Ratio for a P&C insurer from premium, loss, and expense inputs, and benchmark against published industry medians (AM Best 2024/2025, NAIC 2024) by line of business with colour-coded adequacy zones and NAIC IRIS ratio context. Client-side. Works offline. Zero PII.

Tool URL: https://ainumbers.co/tools/455-pc-combined-ratio-analyzer.html AP2/Policy Mandate export: yes

post/v1/tools/analyze_pc_combined_ratio

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/analyze_pc_combined_ratio
  • Auth: none declared

Request body

lobstring required
earnedPremiumnumber required
writtenPremiumnumber
incurredLossesnumber required
laenumber
uwExpensesnumber required
acqCostsnumber
basisstring
invYieldnumber

Response

Successful tool execution result

loss_ratio_pctnumber

(Incurred losses + LAE) / earned premium x 100

expense_ratio_pctnumber

Underwriting expenses / written or earned premium x 100

combined_ratio_pctnumber

Loss ratio + expense ratio

operating_ratio_pctnumber nullable

Combined ratio - investment yield % (illustrative; null if no yield)

adequacy_zone'green' | 'amber' | 'red'
naic_iris_flagboolean

True when combined ratio exceeds the 115% NAIC IRIS screening threshold

benchmark_median_combined_pctnumber nullable

Changes

No recorded changes to this operation across all 1 revision of this API.