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Free claims tools

Calculators and reference tools for P&C claims teams, free and without a form. Every benchmark shows its publisher, its year and a link to the source. Where a number cannot be sourced, we leave the line blank and say why rather than filling it with a guess.

Claims leakage calculator

Live

Estimate how much a claims book leaks, as a range built from published benchmarks rather than a single invented number.

Five inputs. Outputs a total leakage range plus a breakdown into overpayment and valuation error, missed subrogation and salvage, fraud that gets paid, and handling cost driven by cycle time. Every coefficient shows its publisher, its year and a link, and where a figure could not be sourced the line is left blank with the reason printed instead.

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In progress

More tools are on the way

The bar for anything that goes on this page is that it has to be useful without a sales conversation, and every number it shows has to trace to a source we have read. That rules out most of what the category calls a calculator. If there is a claims calculation you keep rebuilding in a spreadsheet, tell us and we will look at whether it can be sourced properly.

In the meantime, the claims glossary and the 2026 research report cover the same ground in prose.