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Combined Ratio

🌍 Industry

Claims plus expenses divided by premium. Under 100% means the insurer made an underwriting profit; over 100% means it didn’t.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

Reinsurance Treaty Ceding Captive Insurer Self-Insurance Risk Retention Group (RRG) Managing General Agent (MGA) Wholesaler (Surplus Lines Broker)

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