Key Performance Indicators

Policy Level: Claim Related: Other Indicators:
– Renewal rate

– Cancellation/Lapse Rate

– Average Premium

– Policies in force

– Conversion rate

– Premium growth


  • Loss Ratio

– Claim Frequency

– Average Claim Size

Common to split on Working (attritional/small) and Large & Event (natural peril) to assess performance


– Expense Ratio

– Combined Ratio (Loss Ratio + Expense Ratio)

– Return on Equity

– Solvency Margin

– PCA multiple

– Insurance Margin

– Return on Risk Based Capital (RORBC)

– Underwriting Result



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