All calculators
Finance and pricing, Advanced
Self-Insurance Break-even
Compare paying insurance premium vs self-insuring (pay claims directly) — find the break-even loss ratio.
Formula: loss_ratio = avg_annual_claims_paid_back / annual_premium * 100, when annual_premium > 0; self_insurance_total = avg_annual_claims_paid_back + self_insurance_admin + catastrophic_reserve; annual_savings = annual_premium - (avg_annual_claims_paid_back + self_insurance_admin + catastrophic_reserve)
Compare paying insurance premium vs self-insuring (pay claims directly) — find the break-even loss ratio.
Inputs
Results
Current Loss Ratio
36.4 %
Self-Insurance Total Cost
AED 165,000.00
Annual Savings (Self-Insure)
AED 55,000.00
Recommended next actions
- →Review the result against your operational targets
Turn this result into an action plan
Send the calculation to your inbox or book a review if the numbers point to cost, compliance, or uptime risk.
Formula
loss_ratio = avg_annual_claims_paid_back / annual_premium * 100, when annual_premium > 0; self_insurance_total = avg_annual_claims_paid_back + self_insurance_admin + catastrophic_reserve; annual_savings = annual_premium - (avg_annual_claims_paid_back + self_insurance_admin + catastrophic_reserve)Use for estimation. Verify safety-critical calculations with qualified review.