Model entered breach cost across uncovered losses, deductible, coinsurance, coverage limit, insurer payment, and business cost.
Formula
const incidentCost = Math.max(0, Number(inputs.incident_cost || 0)); const coverageLimit = Math.max(0, Number(inputs.coverage_limit || 0)); const enteredDeductible = Math.max(0, Number(inputs.deductible || 0)); const businessCoinsurancePct = Math.min(100, Math.max(0, Number(inputs.coinsurance || 0))); const enteredUncoveredPct = Math.min(100, Math.max(0, Number(inputs.uncovered_percent || 0))); const enteredUncoveredLossScenario = Math.round((incidentCost * enteredUncoveredPct / 100) * 100) / 100; const eligibleLossBeforeDeductible = Math.max(0, incidentCost - enteredUncoveredLossScenario); const deductibleAppliedScenario = Math.round(Math.min(enteredDeductible, eligibleLossBeforeDeductible) * 100) / 100; const coveredLossAfterDeductible = Math.max(0, eligibleLossBeforeDeductible - deductibleAppliedScenario); const businessCoinsuranceScenario = Math.round((coveredLossAfterDeductible * businessCoinsurancePct / 100) * 100) / 100; const insurerShareBeforeLimit = Math.max(0, coveredLossAfterDeductible - businessCoinsuranceScenario); const modeledInsurerPayment = Math.round(Math.min(coverageLimit, insurerShareBeforeLimit) * 100) / 100; const limitConstrainedPaymentGap = Math.round(Math.max(0, insurerShareBeforeLimit - coverageLimit) * 100) / 100; const modeledBusinessCost = Math.round((incidentCost - modeledInsurerPayment) * 100) / 100; return { enteredUncoveredLossScenario, deductibleAppliedScenario, businessCoinsuranceScenario, modeledInsurerPayment, modeledBusinessCost, limitConstrainedPaymentGap };Estimated Incident Cost
250,000
Coverage Limit
100,000
Deductible
10,000
Coinsurance Paid by Business (%)
10
Uncovered Losses (%)
15
Use the estimate to prepare a tracked insurance comparison request. The calculator result is not a quote.
With the default inputs, a $250,000 incident has $37,500 of entered uncovered losses. After a $10,000 deductible and $20,250 of business coinsurance, the insurer share before the limit is $182,250. A $100,000 entered limit produces a $100,000 modeled insurer payment, an $82,250 limit-constrained payment gap, and $150,000 of modeled business cost.
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The estimate combines Estimated Incident Cost, Coverage Limit, Deductible and returns Entered Uncovered Loss Scenario, Deductible Applied Scenario, Business Coinsurance Scenario.
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This calculator provides coverage estimates based on the inputs provided. It does not constitute insurance advice, a policy quote, or a binding offer. Coverage terms, exclusions, and premiums vary by carrier and jurisdiction. Consult a licensed insurance agent or broker.
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Reviewed by the CalculateThis.ai editorial team. Updates: check back for latest parameters. Tools are for estimation only — verify with current provider terms.