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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
🔒
Minimum Earned Premium
Flat amount that cannot be returned on cancellation
Expiration date auto-fills 365 days later
Earned Premium
Minimum earned ($)
Pro rata earned
MEP applies?
Return to insured
Earned = Max(MEP flat, Pro Rata) | Return = Annual - Earned
📈
Rate Change
Renewal vs expiring premium comparison
Rate Change
Dollar change
Premium change %
Expiring rate
Renewal rate
Pure rate change %
Rate Change = (Renewal Rate - Expiring Rate) / Expiring Rate x 100
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Risk Transfer Analysis

Lease Checker

Upload a commercial lease agreement to scan for key risk transfer provisions: additional insured requirements, GL limits, hold harmless, waiver of subrogation, and more.

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Drop lease file here or tap to browse
Supports PDF and TXT files  ·  Processed entirely on your device
Privacy: Your document never leaves your device. All analysis is done locally in your browser.
Property Risk

Flood Scanner

Look up the FEMA flood zone for any US address. Start typing and select from suggestions.

FEMA Zone Reference
A / AEHigh risk — 100-yr flood plain, insurance required
V / VECoastal hazard — wave action + flood, highest risk
X 500Moderate risk — 500-yr flood plain
XLow risk — minimal flood hazard
DUndetermined — unstudied area
Data from FEMA NFHL. Verify with official FIRM maps before making coverage decisions.