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 (5)​

Accounting Software​

Catalog key 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​

Catalog key insurance.core.financial_statements

Fields

date
date
statement_type
enum
period_start_date
date
period_end_date
date

HR records​

Catalog key insurance.core.hr_records

Fields

date
date
headcount
decimal

Payroll records​

Catalog key 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
total_production_cost
decimal
total_operational_cost
decimal
drivers_left
decimal
total_drivers
decimal
total_maintenance_costs
decimal
total_miles
decimal

Aggregated insurance loss summary​

Catalog key 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​

  • ID: 1632
  • Type: Financial
  • Unit: Currency/month
  • Description: Net cash consumed per month (negative net operating cash flow).
  • Inputs: cash_out, cash_in
  • Methodology: Net Burn = Cash Out − Cash In (per month)
  • Calculation: cash_out - cash_in
  • Catalog key: insurance.core.burn_rate

Cash Conversion Cycle​

  • ID: 1630
  • Type: Financial
  • Unit: Days
  • Description: Days to convert investments in inventory and receivables back into cash.
  • Inputs: days_inventory_outstanding
  • Methodology: CCC = DSO + Days Inventory Outstanding − DPO
  • Calculation: dso + days_inventory_outstanding - dpo
  • Catalog key: insurance.core.ccc

Current Ratio​

  • ID: 1620
  • Type: Financial
  • Unit: Ratio
  • Description: Short-term liquidity: ability to cover current liabilities with current assets.
  • Inputs: current_assets, current_liabilities
  • Methodology: Current Ratio = Current Assets / Current Liabilities
  • Calculation: current_assets / current_liabilities
  • Catalog key: insurance.core.current_ratio

Days Payable Outstanding (DPO)​

  • ID: 1629
  • Type: Financial
  • Unit: Days
  • Description: Average number of days the business takes to pay its suppliers.
  • Inputs: accounts_payable, cogs, days
  • Methodology: DPO = (Accounts Payable / COGS) × Number of Days
  • Calculation: accounts_payable / cogs * days
  • Catalog key: insurance.core.dpo

Days Sales Outstanding (DSO)​

  • ID: 1628
  • Type: Financial
  • Unit: Days
  • Description: Average number of days to collect cash after a sale.
  • Inputs: accounts_receivable, total_credit_sales, days
  • Methodology: DSO = (Accounts Receivable / Total Credit Sales) × Number of Days
  • Calculation: accounts_receivable / total_credit_sales * days
  • Catalog key: insurance.core.dso

EBITDA Margin​

  • ID: 1624
  • Type: Financial
  • Unit: %
  • Description: Core operating cash profitability before interest, tax, depreciation and amortization.
  • Inputs: ebitda, revenue
  • Methodology: EBITDA Margin = (EBITDA / Revenue) × 100
  • Calculation: ebitda / revenue * 100
  • Catalog key: insurance.core.ebitda_margin

Gross Profit Margin​

  • ID: 1622
  • Type: Financial
  • Unit: %
  • Description: Share of revenue retained after the direct cost of goods sold.
  • Inputs: revenue, cogs
  • Methodology: Gross Margin = ((Revenue − COGS) / Revenue) × 100
  • Calculation: (revenue - cogs) / revenue * 100
  • Catalog key: insurance.core.gross_margin

Headcount (FTE)​

  • ID: 1634
  • Type: Operational
  • Unit: Count
  • Description: Period-end count of active full-time-equivalent employees. A directly measured input, not a derived ratio.
  • 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.
  • Catalog key: insurance.core.headcount

Net Profit Margin​

  • ID: 1625
  • Type: Financial
  • Unit: %
  • Description: Bottom-line profitability after all costs, interest and tax.
  • Inputs: net_income, revenue
  • Methodology: Net Profit Margin = (Net Income / Revenue) × 100
  • Calculation: net_income / revenue * 100
  • Catalog key: insurance.core.net_margin

Operating Cash Flow​

  • ID: 1631
  • Type: Financial
  • Unit: Currency (e.g., USD)
  • Description: Cash generated by core operations during the period.
  • Inputs: net_income, non_cash_charges, increase_in_working_capital
  • Methodology: Operating Cash Flow = Net Income + Non-Cash Charges − Increase in Working Capital
  • Calculation: net_income + non_cash_charges - increase_in_working_capital
  • Catalog key: insurance.core.operating_cash_flow

Operating Margin (EBIT)​

  • ID: 1623
  • Type: Financial
  • Unit: %
  • Description: Operating profitability after operating expenses (EBIT margin).
  • Inputs: operating_income, revenue
  • Methodology: Operating Margin = (Operating Income / Revenue) × 100
  • Calculation: operating_income / revenue * 100
  • Catalog key: insurance.core.operating_margin

Quick Ratio (Acid Test)​

  • ID: 1621
  • Type: Financial
  • Unit: Ratio
  • Description: Acid-test liquidity excluding inventory — most conservative short-term solvency view.
  • Inputs: current_assets, inventory, current_liabilities
  • Methodology: Quick Ratio = (Current Assets − Inventory) / Current Liabilities
  • Calculation: (current_assets - inventory) / current_liabilities
  • Catalog key: insurance.core.quick_ratio

Revenue Growth Rate​

  • ID: 1626
  • Type: Financial
  • Unit: %
  • Description: Period-over-period revenue growth rate.
  • Inputs: revenue, revenue_prior
  • Methodology: Revenue Growth = ((Current Period Revenue − Prior Period Revenue) / Prior Period Revenue) × 100
  • Calculation: (revenue - revenue_prior) / revenue_prior * 100
  • Catalog key: insurance.core.revenue_growth

Cash Runway​

  • ID: 1633
  • Type: Financial
  • Unit: Months
  • Description: Number of months of cash remaining at the current net burn rate.
  • Inputs: current_cash_balance
  • Methodology: Runway (months) = Current Cash Balance / Monthly Net Burn
  • Calculation: current_cash_balance / burn_rate
  • Catalog key: insurance.core.runway

Working Capital​

  • ID: 1627
  • Type: Financial
  • Unit: Currency (e.g., USD)
  • Description: Operating liquidity available to fund day-to-day operations.
  • Inputs: current_assets, current_liabilities
  • Methodology: Working Capital = Current Assets − Current Liabilities
  • Calculation: current_assets - current_liabilities
  • Catalog key: insurance.core.working_capital

Benefit Ratio​

  • ID: 1555
  • Type: Financial
  • Unit: %
  • Description: Life insurance benefits and claims relative to premiums (aggregated line).
  • Inputs: benefits_paid, earned_premiums
  • Methodology: Benefit Ratio = (Benefits Paid / Earned Premiums) × 100
  • Calculation: benefits_paid / earned_premiums * 100
  • Catalog key: insurance.life.benefit_ratio

Catastrophe Loss Ratio​

  • ID: 1575
  • Type: Financial
  • Unit: %
  • Description: Cat losses relative to earned premiums (P&C).
  • Inputs: catastrophe_losses, earned_premiums
  • Methodology: Cat Loss Ratio = Catastrophe Losses / Earned Premiums × 100
  • Calculation: catastrophe_losses / earned_premiums * 100
  • Catalog key: insurance.property_casualty.catastrophe_loss_ratio

Combined Ratio​

  • ID: 1547
  • Type: Financial
  • Unit: %
  • Description: Losses and expenses relative to earned premiums (P&C).
  • Inputs: incurred_losses, underwriting_expense, earned_premiums
  • Methodology: Combined Ratio = ((Incurred Losses + Underwriting Expense) / Earned Premiums) × 100
  • Calculation: (incurred_losses + underwriting_expense) / earned_premiums * 100
  • Catalog key: insurance.property_casualty.combined_ratio

Loss Ratio​

  • ID: 1548
  • Type: Financial
  • Unit: %
  • Description: Incurred losses relative to earned premiums (P&C).
  • Inputs: incurred_losses, earned_premiums
  • Methodology: Loss Ratio = (Incurred Losses / Earned Premiums) × 100
  • Calculation: incurred_losses / earned_premiums * 100
  • Catalog key: insurance.property_casualty.loss_ratio

Premium Growth​

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

Reserve Development Ratio​

  • ID: 1574
  • Type: Financial
  • Unit: %
  • Description: Change in prior-year reserves relative to earned premiums (P&C).
  • Methodology: Reserve Development = (Prior Reserve Development / Earned Premiums) × 100
  • Calculation: No machine-readable calc — directly reported or qualitative.
  • Catalog key: insurance.property_casualty.reserve_development_ratio

Data engineering pipeline​

Ambient Core ships the catalog (typed data options and metrics) and ambient_pipeline helpers. Lakehouse jobs and schedules live in the application repository that pins a core tag.

Canonical order: map columns → coerce types → unpivot → stamp lineage → (optional Silver validate) → contract assert → write. Gold vertical products evaluate catalog formulas with ambient_calc after Silver.

How this pack feeds the pipeline​

Further reading: Catalog consumption · Pipeline governance helpers

Generated from ambient-core ref 22b6089 (digest f5bca892574e3e28). Regenerate: npm run sync:catalog-wiki.