Premium workpaper
Pro Rata Insurance Calculator
Calculate estimated earned premium, return premium, short-rate retention, or a prorated endorsement change using exact policy dates.
Open the calculatorHedge/Broker tools
Work the account, not the spreadsheet
Insurance tools for the work between intake and market.
Direct answer. Hedge's broker tools help retail insurance professionals estimate time-based premium, prepare cleaner commercial submissions, and research public appetite. Calculations are educational workpapers. Account eligibility, carrier calculations, quote terms, and authority still require account-specific review.
Start with the job
Submission preparation
Commercial submission checklist
Build a first file with named insured, operations, requested coverage, effective date, loss information, applications, and the facts that will control underwriting.
Open the checklistDirectional appetite
Insurance appetite checker
Search Hedge's public, carrier-anonymous appetite by class, state, and coverage. Results are directional and do not prove a current market route.
Check appetiteThe control line
A useful estimate is not a carrier calculation.
Insurance premiums can be affected by minimum earned premium, short-rate tables, taxes, assessments, audit provisions, installment charges, nonrefundable policy fees, rounding conventions, and state-specific rules. The tools here make the assumptions visible so a retail broker can prepare and explain a workpaper without promoting it into a quote, endorsement, cancellation statement, or coverage determination.
Keep the source document
Use the policy, endorsement, carrier worksheet, cancellation notice, or rating system as the controlling source. If the carrier's calculation differs, the carrier document controls unless it is corrected by the authorized party.
Next tools
Build around recurring broker work.
This library begins with premium proration and the submission and appetite tools already used across Hedge. Future additions should earn their place by solving a repeated broker task, showing their assumptions, protecting client data, and linking the output to a clear next step.