---
title: "P&C Combined Ratio Analyzer & Benchmarker"
method: POST
path: "/v1/tools/analyze_pc_combined_ratio"
tags: ["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

`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

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

## Request body

- object
  - `lob` string, required
  - `earnedPremium` number, required
  - `writtenPremium` number
  - `incurredLosses` number, required
  - `lae` number
  - `uwExpenses` number, required
  - `acqCosts` number
  - `basis` string
  - `invYield` number

## Response `200`

Successful tool execution result

- object
  - `loss_ratio_pct` number: (Incurred losses + LAE) / earned premium x 100
  - `expense_ratio_pct` number: Underwriting expenses / written or earned premium x 100
  - `combined_ratio_pct` number: Loss ratio + expense ratio
  - `operating_ratio_pct` number, nullable: Combined ratio - investment yield % (illustrative; null if no yield)
  - `adequacy_zone` 'green' | 'amber' | 'red'
  - `naic_iris_flag` boolean: True when combined ratio exceeds the 115% NAIC IRIS screening threshold
  - `benchmark_median_combined_pct` number, nullable

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)