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 result to compare providers, request quotes, or send the scenario to a specialist when the numbers matter.
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.
Use this insurance calculator to compare scenarios before committing money, time, or a provider conversation.
The estimate combines Estimated Incident Cost, Coverage Limit, Deductible and returns Entered Uncovered Loss Scenario, Deductible Applied Scenario, Business Coinsurance Scenario.
If the result changes your decision, verify the current quote, rate, eligibility rule, or provider term before acting.
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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.
Reviewed by the CalculateThis.ai editorial team. Updates: check back for latest parameters. Tools are for estimation only — verify with current provider terms.