Loss Metrics

Combined Ratio

Definition

Sum of loss ratio and expense ratio, measuring overall underwriting profitability. Ratio below 100% indicates underwriting profit.

Practical Example

95% combined ratio = 65% loss ratio + 30% expense ratio = 5% underwriting profit.

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Related Terms

Loss Metrics
Loss Ratio

Ratio of incurred losses to earned premiums, expressed as percentage. Key profitability metric for insurance and reinsurance.

Capital Management
Return on Equity

Profitability measure calculated as net income divided by shareholders' equity. Key metric for reinsurer performance.

More in Loss Metrics

Loss RatioIBNR (Incurred But Not Reported)Ultimate LossLoss Development
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