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The loss ratio incurred losses and loss-adjustment expenses divided by net earned premium is added to the expense ratio underwriting expenses divided by net premium written to determine the company s combined ratio. The combined ratio is a reflection
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An entity seeking to transfer risk an individual, corporation, or association of any type, etc. becomes the insured party once risk is thought by an insurer , the insuring party, by means of a contract, called an insurance policy . An entity seeking
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