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Deductible Tradeoff Calculator
Evaluate whether choosing a higher deductible for a lower premium makes sense. We show premium savings, expected deductible cost, net benefit, break-even years, and whether your reserves are adequate.
Current Program
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Loss Expectations & Liquidity
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Alternative Deductible Options
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Results
Option 1
Annual premium savings
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Incremental deductible
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Expected annual deductible cost
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Net annual benefit
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Break-even years
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Recommended reserve
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Reserve gap
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Option 2
Annual premium savings
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Incremental deductible
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Expected annual deductible cost
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Net annual benefit
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Break-even years
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Recommended reserve
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Reserve gap
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Guidance: Higher deductibles work best with low claim frequency and strong cash reserves. If break-even years exceed your expected claim cycle, savings are mostly illusory. If reserves cannot absorb the deductible, the tradeoff increases liquidity risk.
This tool provides financial visibility only. Actual outcomes depend on claim severity, timing, and insurer claim handling.
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Frequently Asked Questions
Common questions about deductible tradeoffs, break-even, and commercial insurance.
A deductible tradeoff is the choice between a higher deductible (you pay more out of pocket on a claim) and a lower premium, or a lower deductible and a higher premium. This calculator shows the premium savings and how many claim-free years it takes to break even.
Break-even is the number of claim-free years after which your total premium savings from choosing the higher deductible equals the extra amount you would pay if you had one claim (the difference between the two deductibles). After that point, you are ahead if you stay claim-free.
Yes. If you choose a higher deductible to save premium, you should have enough cash or reserves to cover that deductible if you have a claim. The calculator can show whether your stated reserve is adequate relative to the deductible.
Commercial property and business insurance often offer several deductible options. Comparing them with a broker helps you balance premium cost with cash flow and risk. Boardwalk can quote multiple deductible levels from top Canadian carriers.
Usually yes. At each renewal you can often switch to a different deductible level, which will change your premium. Your broker can show the options and the impact on price and reserve adequacy.
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