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Catastrophic Claim Stop Loss Calculator
Stop-loss caps exposure on individual catastrophic claims.
Coverage value
$45,000
Expected covered loss
$90,000
Break-even premium
$90,000
How the math works
Covered portion = claim − retention. Expected = covered × prob. Value = expected − premium.
$5M − $500k = $4.5M covered × 2% = $90k expected − $45k premium = $45k coverage value.
How to Use
- Enter retention amount.
- Enter catastrophic claim probability %.
- Enter expected claim size.
- Enter stop-loss premium.
- Read coverage value.
Frequently Asked Questions
Stop-loss mechanics?
Insurance caps single-occurrence loss. Above retention (e.g., $500k), stop-loss pays to policy limit ($10M+). Applied to liability, property, or business interruption. Essential for institutions self-insuring primary.
Specific vs aggregate?
Specific: caps single claim. Aggregate: caps total year claims. Different coverage triggers. Usually purchased in combination. Each addresses different risk type. Premium scales with limit and retention.
Typical pricing?
Specific (per occurrence): 0.1-0.5% of limit. Aggregate: 0.05-0.25% of limit per $1M. Higher for volatile exposures (catastrophe zones, high-risk industries). Lower for stable operations.
How do insurance carriers view this?
Insurance carriers underwrite per-peril and often stack deductibles — named storm, wind, hail, flood, and standard can all apply separately on a single event. Confirm with your broker which deductibles actually apply to your policy and stress-test liquidity against the highest applicable deductible. Endorsements and riders can modify base terms; read declarations carefully and keep a written summary on file for claim time.
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