Finance category
Mortgage, loan, investing, tax, and money calculators.
Premium Allocation Portfolio Calculator
Portfolio premium allocation distributes master policy cost fairly.
Property allocation
$165,789
TIV share
0.118%
Risk adjustment
1.17%
How the math works
TIV share = property / portfolio TIV. Risk adj = property / avg risk. Allocation = premium × TIV share × risk adj.
$45M / $380M = 11.84% × 1.17 risk adj × $1.2M premium = $166k property allocation.
How to Use
- Enter total portfolio premium.
- Enter property TIV.
- Enter portfolio TIV.
- Enter property risk score.
- Enter portfolio avg risk score.
- Read property allocation.
Frequently Asked Questions
Allocation methods?
TIV-based: property TIV / portfolio TIV × premium. Risk-weighted: TIV × risk factor. Claim-weighted: allocate based on historical losses. Hybrid: combine multiple factors. Each biases toward different risk profiles.
TIV vs risk weighting?
TIV-only: simple, fair for similar properties. Risk-weighted: accurate for diverse portfolio (wood frame apartment vs concrete office). Mixed portfolios benefit from risk-weighted to avoid cross-subsidy between risk classes.
Dispute avoidance?
Document allocation method in LP agreement. Use same method year-over-year. Disclose to lenders (some require specific method). Third-party actuarial validation for complex portfolios. Inconsistent allocation creates management disputes.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
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