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These different approaches lead to different methods of calculating expenses and their related ratios. The underwriting expenses are determined by adding the total costs involved in acquiring policyholders to the total cost involved in policy underwriting. The net premiums are found by deducting sales commissions and reinsurance costs from gross premium revenue. The ratio determines the level of expense each insurer incurs when underwriting a standard policy. The statutory combined ratio is the primary measurement of underwriting profitability employed in the property and casualty insurance industry.


A statutory combined ratio below 100 percent shows that the company is making a profit in its underwriting operations. A ratio above 100 percent means that the company is paying out higher amounts in claims that it receives from premium payments. The statutory expense ratio divides the underwriting expenses by the net written premium amount. Insurance companies find the net premium earned under GAAP by adjusting net annual premiums based on the insurance underwriter's unearned premium liability. Investors, financial analysts and government regulators require publicly-traded companies to use GAAP when creating their financial statements, including income statements, balance sheets and statements of shareholder equity.
The GAAP expense ratio shows investors how well the insurer has assessed the underwriting expenses and how much of their revenue goes toward paying claims and benefits. Before starting his writing career, Gerald was a web programmer and database developer for 12 years.


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