Insurance expense ratio API

Compute the expense ratio = underwriting expenses ÷ written premium, the insurer cost-efficiency metric, with a rating bucket. Deterministic actuarial ratio. Answers 'what is the expense ratio', 'underwriting expenses over written premium', 'insurer cost ratio', 'is this expense ratio lean'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-expense-ratio

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsuranceexpense-ratioactuarialunderwritingpandcratioefficiency

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

Integration docs

Example request

{
  "underwritingExpenses": 280000,
  "writtenPremium": 1000000
}

Example response

{
  "metric": "expense ratio",
  "expenseRatio": 0.28,
  "expenseRatioPercent": 28,
  "rating": "typical",
  "inputs": {
    "underwritingExpenses": 280000,
    "writtenPremium": 1000000
  }
}

Input schema

{
  "type": "object",
  "required": [
    "underwritingExpenses",
    "writtenPremium"
  ],
  "properties": {
    "underwritingExpenses": {
      "type": "number",
      "examples": [
        280000
      ]
    },
    "writtenPremium": {
      "type": "number",
      "examples": [
        1000000
      ]
    }
  }
}

Output schema

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