What is Expense Loading?
Expense Loading The portion of an insurance premium added to cover the insurer’s operating expenses, including administration, commissions, and overheads.
Source: CFA Institute, IFRS Foundation, FASB (GAAP), Basel III Framework
How is “Expense Loading” Used in Practice?
Expense loading must be transparent and justifiable in the insurer’s pricing and financial statements.
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Who Needs to Know This Term?
- Financial Analysts
- Bankers
- Traders
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What is Expense Loading?
The portion of an insurance premium added to cover the insurer’s operating expenses, including administration, commissions, and overheads.
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