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 toolHedge/Broker tools
Work the account, not the spreadsheet
Insurance tools for the work between intake and market.
Hedge's broker tools help retail insurance professionals explore observed premium data, estimate time-based premium, prepare cleaner commercial submissions, and research public appetite. Benchmarks and calculations are directional workpapers. Account eligibility, carrier calculations, quote terms, and authority still require account-specific review.
Start with the job
Observed quote data
Commercial Insurance Price Index
Explore one reconciled annual premium benchmark per commercial coverage line, calibrated with private first-party evidence and independent public sources.
Open the toolSubmission 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 appetiteCalculation limits
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 observed pricing, premium proration, submission preparation, and public appetite. Every addition should solve a repeated broker task, show its assumptions, protect client data, and link the output to a clear next step.