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Loss Ratio

📋 Claims

Claims paid divided by premiums collected. It tells insurers (and underwriters) whether a book of business is profitable.

🎓 Agent note A client’s individual loss ratio drives renewal pricing and appetite. Above ~60–70% and expect a non-renewal or a hard remarket.

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.

Adjuster Public Adjuster First Notice of Loss (FNOL) Proof of Loss Appraisal Clause Recoverable Depreciation Reservation of Rights Total Loss

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