Reviewed by Charles Potters Fact checked by Suzanne Kvilhaug Key Takeaways Loss and combined ratios measure an insurer's profitability.Loss ratio compares losses to collected premiums.Combined ratio ...

Learn how to calculate the combined ratio for insurance companies, including financial and trade basis methods, using loss and expense ratios for profitability analysis.

Selective Insurance faced underwriting losses in 2024, with a combined ratio of 103%, largely due to reserve strengthening in general liability lines. Despite pricing actions across various lines of ...