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Tool 02 · Planning & Reinsurance

The exhibit a CEO can read in a minute.

This interactive tool projects a multi-line book's net combined ratio and underwriting result after applying a quota-share reinsurance treaty, ceding commission, and expense assumptions.

A forward profitability view across a book of business, the kind built originally for a former CEO's monthly review. Set the gross written premium and expected loss ratio for each line, then layer a quota-share treaty on top. The model carries it through to a net combined ratio and underwriting result, and shows exactly how many points the reinsurance moved. This is the translation work: complex terms, one clear answer.

Multi-Line Forward Profitability Figures in $000s · illustrative inputs
Quota-Share Reinsurance & Expenses
Quota-share cessionshare of premium & loss ceded
30%
Ceding commissionpaid back to the cedant on ceded premium
32%
Gross expense ratioacquisition & general expense on gross premium
28%
-
-Net combined
ratio
Gross combined -% · reinsurance effect -
Gross of reinsurance-
Net of reinsurance-
Net premium
-
Ceded premium
-
UW result
-
Loss Expense Underwriting margin 100% break-even

A hypothetical “what-if” planning sketch with illustrative inputs and a simplified treaty structure. Illustrative and educational only, not actuarial advice and not a substitute for a full pricing or reinsurance analysis. Terms & Disclaimer →

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