Harbourline General Insurance
Fictional multi-line general insurer · 8 lines of business · Apr–Sep 2026 vs Apr–Sep 2025 · ₹ crore
Combined ratio by line of business H1 FY27
Claims (loss ratio) plus acquisition and management costs (expense ratio), as a share of earned premium. Anything right of 100% loses money before investment income.
Premium growth by line GWP · H1 FY26 → H1 FY27
Gross written premium a year ago (hollow) and now (filled). Line length is the growth; health and fire are pulling the book.
Loss development triangle
Cumulative claims by accident year (rows) and development year (columns). Shading shows how close each cell is to its projected ultimate; the coral-edged diagonal is the latest valuation. The bottom row holds the volume-weighted age-to-age factors used for chain-ladder projection.
Ultimate losses & IBNR CHAIN LADDER
For each accident year: claims already reported, and the reserve still needed for claims incurred but not yet reported (IBNR).
Claim settlement time DAYS FROM INTIMATION
Distribution of turnaround per line: box is the middle half of claims, whiskers the 5th to 95th percentile, dot the median. Dashed line is the 30-day regulatory benchmark.
Fraud risk scoring
Every open claim placed by model risk score; bubble size is claim amount. Claims above 75 are routed to the special investigation unit.
Monthly premium and loss ratio LAST 18 MONTHS
Renewal retention by cohort POLICIES RETAINED
Share of each year's new policies still in force at each renewal. Recent cohorts renew better after the claims-free bonus redesign.
Demonstration build. Harbourline General Insurance and every figure are synthetic, modelled on Indian non-life portfolio patterns (motor third-party long tail, group health loss ratios, crop seasonality, IRDAI 1.5x solvency floor). Built by Woodfrog on policy admin, claims and reinsurance data: chain-ladder reserving, gradient-boosted fraud scoring and cohort retention, refreshed daily.