Risk Classifier
Commercial Lines Intelligence

Risk Classifier

Comprehensive classification code database for commercial underwriting. Cross-reference ISO General Liability codes with SIC and NAICS industry classifications.

GL
SIC
NAICS
Description
Commercial Lines Intelligence

Premium Calculators

Essential rating tools for commercial underwriting. Select a calculator from the menu.

Premium
Factors
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⚡
Short-Term Premium
Pro rata earned premium on cancellation
Expiration date auto-fills 365 days later
Pro Rata Earned Premium
Days elapsed
Pro rata factor
Return to insured
Earned = Annual × (Days Elapsed ÷ Total Days) | Return = Annual − Earned
📆
Annualized Premium
Gross up an endorsement premium to its annual equivalent
Expiration date auto-fills 365 days later
The pro-rata premium charged for the remaining term
Annualized Premium
Policy start (auto)
Days remaining at endorsement
Pro rata factor
Endorsement premium
Start = End − 365 days  |  Annualized = Endorsement Premium ÷ (Days Remaining ÷ 365)
✓
Earned & Unearned Premium
Premium split as of a specific date
Earned Premium
Days elapsed
Earned %
Unearned Premium
Days remaining
Unearned %
Earned = Premium x (Days Elapsed / Total Days) | Unearned = Premium - Earned
↕
Premium Difference
Net change between two premium amounts
Net Difference
Dollar change
Percent change
Type
Difference = New - Original | % Change = (New - Original) / Original x 100
📅
Pro Rata Factor
Exact days method for endorsements & cancellations
Pro Rata Factor
Total policy days
Elapsed days
Remaining days
Factor = Days Elapsed ÷ Total Policy Days
📊
Daily Rate
Premium cost per day
Daily Rate
Annual premium
Policy days
Weekly rate
Monthly rate (30 days)
Daily Rate = Annual Premium ÷ Policy Days
⚖️
Coinsurance Penalty
Underinsurance penalty at time of loss
Claim Payment
Required insurance
Coinsurance ratio
Insured bears
Status
Payment = (Carried ÷ Required) × Loss − Deductible
Required = Value × Coinsurance %
📉
Loss Ratio
Losses incurred vs. premiums earned
Loss Ratio
Pure loss ratio
Combined loss + LAE ratio
Assessment
Loss Ratio = Losses ÷ Earned Premium × 100
<60% Favorable | 60–75% Acceptable | >75% Unprofitable
💼
Commission Calculator
Agent & broker commission on written premium
Total Commission
Base commission
Override / contingency
Net premium to carrier
Effective commission rate
Commission = Premium × Rate%
Net Premium = Premium − Total Commission
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