Skip to main content

Insurance

Pack file: catalog/industries/insurance in ambient-core.

Workspace demo (screenshots) · Catalog consumption

Industry summary​

Industry code

ISIC Rev.4 6512

21 metrics · 5 data options

NAICS 2022
524126
NACE Rev.2
65.12 (also 65.11)
GICS 2023
403010

Taxonomy tags from ambient-core pack.yaml / manifest v3 (analysis lens, not legal-entity self-classification). Coverage notes: catalog-industry-coverage.md.

Data options​

  • Accounting Software (insurance.core.accounting_software) — fields: date (date), period_start_date (date), period_end_date (date), revenue (decimal), cogs (decimal), cost_of_goods (decimal), operating_expenses (decimal), net_income (decimal), produce_revenue (decimal), total_production_cost (decimal), total_operational_cost (decimal)
  • Financial statements (insurance.core.financial_statements) — fields: date (date), statement_type (enum), period_start_date (date), period_end_date (date)
  • HR records (insurance.core.hr_records) — fields: date (date), headcount (decimal)
  • Payroll records (insurance.core.payroll_records) — fields: date (date), period_start_date (date), period_end_date (date), headcount (decimal), gross_pay (decimal), net_pay (decimal), employer_taxes (decimal), labor_cost (decimal), revenue (decimal), net_income (decimal), total_labor_costs (decimal), total_harvested_kg (decimal)…
  • Aggregated insurance loss summary (insurance.property_casualty.loss_summary) — fields: date (date), line_of_business (string), entity_segment (string), incurred_losses (string), underwriting_expense (string), earned_premiums (string), premium_growth (string), benefits_paid (string), catastrophe_losses (string), prior_reserve_development (string)

Metrics (21)​

Monthly Burn Rate​

  • Catalog key: insurance.core.burn_rate
  • ID: 1632
  • Type: Financial
  • Unit: Currency/month
  • Segment: core
  • Methodology: Net Burn = Cash Out − Cash In (per month)
  • Calculation: cash_out - cash_in — inputs: cash_out, cash_in

Net cash consumed per month (negative net operating cash flow).

FP&A workflow: Runway management — paired with cash balance to govern the spend plan and fundraising timing.

Cash Conversion Cycle​

  • Catalog key: insurance.core.ccc
  • ID: 1630
  • Type: Financial
  • Unit: Days
  • Segment: core
  • Methodology: CCC = DSO + Days Inventory Outstanding − DPO
  • Calculation: dso + days_inventory_outstanding - dpo — inputs: days_inventory_outstanding

Days to convert investments in inventory and receivables back into cash.

FP&A workflow: Cash-efficiency program — a north-star working-capital KPI tracked in the treasury review.

Current Ratio​

  • Catalog key: insurance.core.current_ratio
  • ID: 1620
  • Type: Financial
  • Unit: Ratio
  • Segment: core
  • Methodology: Current Ratio = Current Assets / Current Liabilities
  • Calculation: current_assets / current_liabilities — inputs: current_assets, current_liabilities

Short-term liquidity: ability to cover current liabilities with current assets.

FP&A workflow: Liquidity & solvency review — feeds covenant monitoring and the monthly board liquidity pack.

Days Payable Outstanding (DPO)​

  • Catalog key: insurance.core.dpo
  • ID: 1629
  • Type: Financial
  • Unit: Days
  • Segment: core
  • Methodology: DPO = (Accounts Payable / COGS) × Number of Days
  • Calculation: accounts_payable / cogs * days — inputs: accounts_payable, cogs, days

Average number of days the business takes to pay its suppliers.

FP&A workflow: Payables optimization — balances supplier terms against the cash-conversion cycle.

Days Sales Outstanding (DSO)​

  • Catalog key: insurance.core.dso
  • ID: 1628
  • Type: Financial
  • Unit: Days
  • Segment: core
  • Methodology: DSO = (Accounts Receivable / Total Credit Sales) × Number of Days
  • Calculation: accounts_receivable / total_credit_sales * days — inputs: accounts_receivable, total_credit_sales, days

Average number of days to collect cash after a sale.

FP&A workflow: Receivables & collections review — directly improves the cash-conversion cycle and forecast accuracy.

EBITDA Margin​

  • Catalog key: insurance.core.ebitda_margin
  • ID: 1624
  • Type: Financial
  • Unit: %
  • Segment: core
  • Methodology: EBITDA Margin = (EBITDA / Revenue) × 100
  • Calculation: ebitda / revenue * 100 — inputs: ebitda, revenue

Core operating cash profitability before interest, tax, depreciation and amortization.

FP&A workflow: Valuation & lender reporting — primary profitability proxy in models and covenant tests.

Gross Profit Margin​

  • Catalog key: insurance.core.gross_margin
  • ID: 1622
  • Type: Financial
  • Unit: %
  • Segment: core
  • Methodology: Gross Margin = ((Revenue − COGS) / Revenue) × 100
  • Calculation: (revenue - cogs) / revenue * 100 — inputs: revenue, cogs

Share of revenue retained after the direct cost of goods sold.

FP&A workflow: Unit-economics and pricing review — anchors contribution-margin and budget-vs-actual analysis.

Headcount (FTE)​

  • Catalog key: insurance.core.headcount
  • ID: 1634
  • Type: Operational
  • Unit: Count
  • Segment: core
  • Methodology: Period-end count of active employees expressed as full-time equivalents (directly measured, not calculated).
  • Calculation: No machine-readable calc — directly reported or qualitative.

Period-end count of active full-time-equivalent employees. A directly measured input, not a derived ratio.

Net Profit Margin​

  • Catalog key: insurance.core.net_margin
  • ID: 1625
  • Type: Financial
  • Unit: %
  • Segment: core
  • Methodology: Net Profit Margin = (Net Income / Revenue) × 100
  • Calculation: net_income / revenue * 100 — inputs: net_income, revenue

Bottom-line profitability after all costs, interest and tax.

FP&A workflow: Board P&L reporting — the headline profitability line for the monthly close pack.

Operating Cash Flow​

  • Catalog key: insurance.core.operating_cash_flow
  • ID: 1631
  • Type: Financial
  • Unit: Currency (e.g., USD)
  • Segment: core
  • Methodology: Operating Cash Flow = Net Income + Non-Cash Charges − Increase in Working Capital
  • Calculation: net_income + non_cash_charges - increase_in_working_capital — inputs: net_income, non_cash_charges, increase_in_working_capital

Cash generated by core operations during the period.

FP&A workflow: Cash-flow forecasting — the anchor of the direct/indirect cash-flow statement.

Operating Margin (EBIT)​

  • Catalog key: insurance.core.operating_margin
  • ID: 1623
  • Type: Financial
  • Unit: %
  • Segment: core
  • Methodology: Operating Margin = (Operating Income / Revenue) × 100
  • Calculation: operating_income / revenue * 100 — inputs: operating_income, revenue

Operating profitability after operating expenses (EBIT margin).

FP&A workflow: Opex efficiency review — drives the monthly variance bridge and cost-control actions.

Quick Ratio (Acid Test)​

  • Catalog key: insurance.core.quick_ratio
  • ID: 1621
  • Type: Financial
  • Unit: Ratio
  • Segment: core
  • Methodology: Quick Ratio = (Current Assets − Inventory) / Current Liabilities
  • Calculation: (current_assets - inventory) / current_liabilities — inputs: current_assets, inventory, current_liabilities

Acid-test liquidity excluding inventory — most conservative short-term solvency view.

FP&A workflow: Liquidity stress testing — pairs with cash-flow forecasting for downside scenarios.

Revenue Growth Rate​

  • Catalog key: insurance.core.revenue_growth
  • ID: 1626
  • Type: Financial
  • Unit: %
  • Segment: core
  • Methodology: Revenue Growth = ((Current Period Revenue − Prior Period Revenue) / Prior Period Revenue) × 100
  • Calculation: (revenue - revenue_prior) / revenue_prior * 100 — inputs: revenue, revenue_prior

Period-over-period revenue growth rate.

FP&A workflow: Growth planning — drives top-line forecast, hiring plan and the rolling re-forecast.

Cash Runway​

  • Catalog key: insurance.core.runway
  • ID: 1633
  • Type: Financial
  • Unit: Months
  • Segment: core
  • Methodology: Runway (months) = Current Cash Balance / Monthly Net Burn
  • Calculation: current_cash_balance / burn_rate — inputs: current_cash_balance

Number of months of cash remaining at the current net burn rate.

FP&A workflow: Board & investor reporting — the survival metric that gates hiring and spend decisions.

Working Capital​

  • Catalog key: insurance.core.working_capital
  • ID: 1627
  • Type: Financial
  • Unit: Currency (e.g., USD)
  • Segment: core
  • Methodology: Working Capital = Current Assets − Current Liabilities
  • Calculation: current_assets - current_liabilities — inputs: current_assets, current_liabilities

Operating liquidity available to fund day-to-day operations.

FP&A workflow: Working-capital management — feeds the 13-week cash forecast and treasury planning.

Benefit Ratio​

  • Catalog key: insurance.life.benefit_ratio
  • ID: 1555
  • Type: Financial
  • Unit: %
  • Segment: life
  • Methodology: Benefit Ratio = (Benefits Paid / Earned Premiums) × 100
  • Calculation: benefits_paid / earned_premiums * 100 — inputs: benefits_paid, earned_premiums

Life insurance benefits and claims relative to premiums (aggregated line).

FP&A workflow: Life profitability — mortality and lapse experience vs pricing.

Catastrophe Loss Ratio​

  • Catalog key: insurance.property_casualty.catastrophe_loss_ratio
  • ID: 1575
  • Type: Financial
  • Unit: %
  • Segment: property_casualty
  • Methodology: Cat Loss Ratio = Catastrophe Losses / Earned Premiums × 100
  • Calculation: catastrophe_losses / earned_premiums * 100 — inputs: catastrophe_losses, earned_premiums

Cat losses relative to earned premiums (P&C).

FP&A workflow: Tail risk — reinsurance and pricing adequacy.

Combined Ratio​

  • Catalog key: insurance.property_casualty.combined_ratio
  • ID: 1547
  • Type: Financial
  • Unit: %
  • Segment: property_casualty
  • Methodology: Combined Ratio = ((Incurred Losses + Underwriting Expense) / Earned Premiums) × 100
  • Calculation: (incurred_losses + underwriting_expense) / earned_premiums * 100 — inputs: incurred_losses, underwriting_expense, earned_premiums

Losses and expenses relative to earned premiums (P&C).

FP&A workflow: Underwriting profitability — below 100% indicates underwriting gain.

Loss Ratio​

  • Catalog key: insurance.property_casualty.loss_ratio
  • ID: 1548
  • Type: Financial
  • Unit: %
  • Segment: property_casualty
  • Methodology: Loss Ratio = (Incurred Losses / Earned Premiums) × 100
  • Calculation: incurred_losses / earned_premiums * 100 — inputs: incurred_losses, earned_premiums

Incurred losses relative to earned premiums (P&C).

FP&A workflow: Claims experience — pricing and reserve adequacy.

Premium Growth​

  • Catalog key: insurance.property_casualty.premium_growth
  • ID: 1549
  • Type: Financial
  • Unit: %
  • Segment: property_casualty
  • Methodology: Premium Growth = ((Current Premiums − Prior Premiums) / Prior Premiums) × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.

Year-over-year earned premium growth (aggregated).

FP&A workflow: Top-line momentum — new business and rate changes.

Reserve Development Ratio​

  • Catalog key: insurance.property_casualty.reserve_development_ratio
  • ID: 1574
  • Type: Financial
  • Unit: %
  • Segment: property_casualty
  • Methodology: Reserve Development = (Prior Reserve Development / Earned Premiums) × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.

Change in prior-year reserves relative to earned premiums (P&C).

FP&A workflow: Reserving risk — adverse development signal.

Generated from ambient-core ref 10fb050 (digest 890f3d2011311128). Regenerate: npm run sync:catalog-wiki.