Free Insurance
Calculators & Tools
Professional-grade calculators built for insurance brokers, underwriters, and risk managers. No signup required -- just fast, accurate results.
ACORD Forms Library
Download free blank ACORD insurance forms. Access commonly used forms including certificates, applications, claims notices, and policy management forms.
Pro-Rata Premium Calculator
Calculate prorated premiums for mid-term policy changes, endorsements, and cancellations. Supports daily and monthly proration methods.
Loss Ratio Calculator
Calculate loss ratios to evaluate underwriting performance. Compare incurred losses against earned premiums to assess portfolio health.
Combined Ratio Calculator
Measure overall insurer profitability by combining loss ratio and expense ratio. A combined ratio under 100% indicates underwriting profit.
Coinsurance Penalty Calculator
Check if your property meets coinsurance requirements and calculate the potential penalty. Avoid unexpected claim reductions.
Rate Per $100 Calculator
Convert between total insurable value, rate per $100 of coverage, and annual premium. Essential for commercial property quoting.
Why use our calculators
Built by insurance professionals, for insurance professionals.
No signup required
All calculators are free and available instantly. No account, no email, no barriers.
Accurate formulas
Industry-standard formulas used by actuaries and underwriters. Results you can trust.
Works on any device
Responsive design that works perfectly on desktop, tablet, and mobile browsers.
Privacy first
All calculations happen in your browser. Your data never leaves your device.
Need more than a calculator?
PolySea is the specialty insurance MGA for autonomous systems -- from AI-powered loss run extraction to engineering-controls underwriting and Active Monitoring.