P04 / TCORPROFESSIONAL TOOL
Total Cost of Risk (TCOR) Calculator
Aggregate your true cost of risk across premiums, retained losses, administration, and risk control expenditure. Compare four scenarios including a high loss year and improved risk management.
Risk and Coverage Cluster
Professional users usually need to move between exposure sizing, limit adequacy, and scenario modelling. This cluster keeps those supporting paths shallow and crawlable.
Risk Cost Inputs
Claims within deductible / excess
Broker fees, loss adjusters, internal risk staff
Training, inspections, safety systems
Context
Used to calculate TCOR per £1,000 revenue
Base Case
Total Cost of Risk (TCOR)
£680,000
TCOR Rate
68.00
per £1,000 revenue
TCOR as % Revenue
6.80%
Cost Breakdown
Scenario Comparison
Base Case
£680,000
High Loss Year
£869,750+27.9%
Improved Risk Mgmt
£614,000-9.7%
Higher Self-Insurance
£636,000-6.5%
Premiums
Retained Losses
Admin
Risk Controls
Base Case — Detail
TCOR
£680,000
TCOR Rate /£1k revenue
68.00
vs Base
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INDICATIVE ONLY — TCOR calculations are illustrative and depend on accurate loss data, policy terms, and organisational context. Scenarios are modelled approximations. Consult your risk manager, actuary, or insurance adviser before using results for decision-making.
Cluster Hubs
Use these organising pages when you want the main calculators and supporting guides for this topic grouped in one place.
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Move sideways to closely related calculators without leaving the same topic cluster.
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Related Guides
Use these supporting explainers when you need the formula, assumptions, or decision framing behind the numbers.
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