Combined Ratio Calculator Insurance combined ratio. Loss ratio (%) Expense ratio (%) Combined ratio (%) 90 Step-by-step with your numbers: 1. Values used: 2. Loss ratio = 60 % 3. Expense ratio = 30 % 4. Combined ratio = Loss ratio + Expense ratio = 60 + 30 = 90% Did we solve your problem today? 👍 Yes 👎 No Thanks for the feedback! Under 100% means underwriting profit. FAQ Good? Below 95% is strong. Related calculators Loss Ratio Calculator Insurance loss ratio. Gross Margin Calculator Find gross profit and gross margin from revenue and COGS. Net Profit Margin Calculator Find net profit margin from net income and revenue.