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Free Insurance & Risk Tools
Insurance renewals, submissions, claims, risk exposure, and business finance workflows
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ROI Calculator
Calculate return on investment, annualized ROI, and net profit from any investment.
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Insurance Renewal Dashboard
Upload policy schedules, track upcoming renewal dates, and compare yearly premium totals across your portfolio.
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Insurance Premium Change Analyzer
Compare last year versus current premium, factor in claims and policy changes, and explain the increase against inflation.
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Claims Analytics Dashboard
Upload claims data, track frequency and severity, and compare open claims, incurred cost, and reserve pressure by region or line of business.
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Risk Exposure Estimator
Estimate operational insurance exposure using payroll, revenue, property values, vehicles, cyber records, and regional market context.
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Broker Commission Calculator
Model commission income, override income, broker fees, and effective revenue rate across insurance premiums and policy volumes.
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Insurance Comparison Workspace
Compare carriers across premium, deductible, coverage fit, claims handling, and service quality in one insurance comparison workspace.
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Business Risk Cost Estimator
Estimate cyber, downtime, liability, property, and workforce risk costs using operational assumptions and regional insurance context.
ISR
Insurance Submission Readiness Score
Score an SOV, loss run, bordereaux, or renewal pack before market review and get practical underwriter follow-up prompts.
USL
US Liability Verdict Exposure Checker
Stress-test US casualty, umbrella, and excess liability pressure from venue, fleet, claims, revenue, controls, and limits.
AI
AI Insurance Gap Mapper
Map AI use cases to possible cyber, E&O, D&O, crime, media, product liability, and silent-AI insurance gaps.
BDX
Bordereaux Validator
Upload premium or claims bordereaux and check required fields, binder dates, duplicates, premium totals, and data-quality issues before market submission.
SOV
Schedule of Values Cleaner
Clean property schedules of values, detect missing addresses, duplicate locations, weak construction data, and concentration risk across major insurance markets.
LR
Loss Run Analyzer
Upload insurance loss runs to analyze claim frequency, severity, open reserves, loss ratio, large losses, and renewal discussion points by line or territory.
Free Insurance & Risk Calculators & Tools
All tools on this page are completely free to use, require no account or signup, and run entirely in your browser. Your data is never sent to a server. Results are instant.
These tools are built for professionals who need quick, accurate answers — not long explanations. Every calculator shows its formula so you can verify the logic.