Insurance combined & operating ratio API

Compute the combined ratio = loss ratio + expense ratio (the core underwriting-profitability metric; <100% = underwriting profit) and the operating ratio (combined − investment-income ratio), with a per-component breakdown. Deterministic actuarial ratio. Answers 'what is the combined ratio', 'is the insurer underwriting-profitable', 'combined ratio under 100', 'operating ratio with investment income'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-combined-ratio

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsurancecombined-ratiooperating-ratioactuarialunderwritingpandcprofitability

API URLhttps://x402.hexl.dev/v1/calc/ins-combined-ratio

Integration docs

Example request

{
  "incurredLosses": 650000,
  "earnedPremium": 1000000,
  "underwritingExpenses": 300000,
  "writtenPremium": 1000000,
  "investmentIncomeRatio": 0.08
}

Example response

{
  "metric": "combined ratio",
  "lossRatio": 0.65,
  "expenseRatio": 0.3,
  "combinedRatio": 0.95,
  "combinedRatioPercent": 95,
  "operatingRatio": 0.87,
  "operatingRatioPercent": 87,
  "underwritingProfitable": true,
  "rating": "underwriting profit",
  "breakdown": [
    {
      "component": "loss ratio",
      "value": 65
    },
    {
      "component": "expense ratio",
      "value": 30
    },
    {
      "component": "investment-income offset",
      "value": 8
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "incurredLosses",
    "earnedPremium",
    "underwritingExpenses"
  ],
  "properties": {
    "incurredLosses": {
      "type": "number",
      "examples": [
        650000
      ]
    },
    "lossAdjustmentExpenses": {
      "type": "number",
      "examples": [
        0
      ]
    },
    "earnedPremium": {
      "type": "number",
      "examples": [
        1000000
      ]
    },
    "underwritingExpenses": {
      "type": "number",
      "examples": [
        300000
      ]
    },
    "writtenPremium": {
      "type": "number",
      "examples": [
        1000000
      ]
    },
    "investmentIncomeRatio": {
      "type": "number",
      "examples": [
        0.08
      ],
      "description": "decimal"
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}