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								<!DOCTYPE html>  
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								< html  lang = "en" >  
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								  < head > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								    < meta  charset = "UTF-8" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								    < meta  name = "" viewport "  content = "" width = device-width,  initial-scale = "1.0" > 
							 
						 
					
						
							
								
									
										
										
										
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								    < title > Premium Calculator< / title > 
							 
						 
					
						
							
								
									
										
										
										
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								    < meta  name = "description"  content = "Insurance premium calculator for pro-rata and short-rate calculations.?" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								    < link  rel = "stylesheet"  href = "assets/style.css" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								    < link  rel = "icon"  type = "image/x-icon"  href = "assets/favicon.ico" > 
							 
						 
					
						
							
								
									
										
										
										
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								  < / head > 
							 
						 
					
						
							
								
									
										
										
										
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								  < body > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								    < header > 
							 
						 
					
						
							
								
									
										
										
										
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								      < h1 > Premium Calculator< / h1 > 
							 
						 
					
						
							
								
									
										
										
										
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								    < / header > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								    < main > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								      < form  action = "/action_page.php" > 
							 
						 
					
						
							
								
									
										
										
										
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								      < div  class = "flex-container" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								        < div  class = "flex-1" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < h2 > Policy Details< / h2 > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < label  for = "effectiveDate" > Effective date:< / label > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < input  type = "date"  id = "effectiveDate"  name = "effectiveDate"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < br > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < label  for = "expiryDate" > Expiry date:< / label > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < input  type = "date"  id = "expiryDate"  name = "expiryDate"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < br > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          Days in policy term: < span  id = "termDays" > -< / span > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < br > < br > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < label  for = "cancelDate" > Cancellation date:< / label > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < input  type = "date"  id = "cancelDate"  name = "cancelDate"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < br > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          Days in force: < span  id = "forceDays" > -< / span > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < br > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          Days remaining: < span  id = "remainingDays" > -< / span > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < br > < br > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < label  for = "totalPremium" > Total premium:< / label > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < input  type = "number"   id = "totalPremium"  name = "totalPremium"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								        < / div > 
							 
						 
					
						
							
								
									
										
										
										
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								        < div  class = "flex-2" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < h2 > Factor Method< / h2 > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          Factor method:
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < input  type = "radio"  name = "calcMethod"  id = "calcProRata"  value = "Pro Rata"  checked = "checked"  onclick = "calculator();"  / >  Pro Rata
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < input  type = "radio"  name = "calcMethod"  id = "calcShortRate"  value = "Short Rate"  onclick = "calculator();" / >  Short Rate
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < br > < br > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < table > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < th > < / th > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < th > Earned< / th > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < th > Unearned< / th > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > Factor< / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "earnedFactor" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "unearnedFactor" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > Premium< / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "earnedPremium" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "unearnedPremium" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < / table > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								        < / div > 
							 
						 
					
						
							
								
									
										
										
										
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								        < div  class = "flex-3" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < h2 > Premium Breakdown< / h2 > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < blockquote > < span  id = "checkMatch" > Total breakdown: N/A< / span > < / blockquote > 
							 
						 
					
						
							
								
									
										
										
										
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								          < table > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < th > Coverage< / th > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < th > Premium< / th > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < th > % of Total< / th > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < th > Earned Premium< / th > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < th > Unearned Premium < / th > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < label  for = "breakDO" > D& O< / label > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < input  type = "number"  id = "breakDO"  name = "breakDO"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "percentDO" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "earnedDO" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "unearnedDO" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < label  for = "breakEO" > E& O< / label > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < input  type = "number"  id = "breakEO"  name = "breakEO"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "percentEO" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "earnedEO" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "unearnedEO" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < label  for = "breakCyber" > Cyber< / label > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < input  type = "number"  id = "breakCyber"  name = "breakCyber"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "percentCyber" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "earnedCyber" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "unearnedCyber" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < label  for = "breakLEI" > Legal Expense< / label > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < input  type = "number"  id = "breakLEI"  name = "breakLEI"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "percentLEI" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "earnedLEI" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "unearnedLEI" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < label  for = "breakCGL" > CGL< / label > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < input  type = "number"  id = "breakCGL"  name = "breakCGL"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "percentCGL" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "earnedCGL" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "unearnedCGL" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < label  for = "breakProperty" > Property< / label > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < input  type = "number"  id = "breakProperty"  name = "breakProperty"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "percentProperty" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "earnedProperty" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "unearnedProperty" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < label  for = "breakEB" > Equipment Breakdown< / label > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < input  type = "number"  id = "breakEB"  name = "breakEB"  onblur = "calculator()"  min = "0"  oninput = "validity.valid||(value='')" > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "percentEB" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "earnedEB" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								              < td > < span  id = "unearnedEB" > -< / span > < / td > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < / tr > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < / table > 
							 
						 
					
						
							
								
									
										
										
										
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								      < / form > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								
							 
						 
					
						
							
								
									
										
										
										
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								          < div  class = "flex-4" > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								            < button  onclick = "calculator()" > Calculate< / button > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								          < / div > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								      < / div > 
							 
						 
					
						
							
								
									
										
										
										
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								   < / main > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								   < footer > 
							 
						 
					
						
							
								
									
										
										
										
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								    < ul > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								      < li > Created by < a  href = "https://haothitran.com" > Hao Tran< / a > .< / li > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								      < li > Calculations are rounded to the nearest hundredth decimal. As such, there may sometimes be issues of rounding error.< / li > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								      < li > Although effort was made to insure the accuracy of this calculator, there is no guarantee on the accuracy of the calculations and results. This calculator is intended for personal and informational use only and does not constitute advice. < / li > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								    < / ul > 
							 
						 
					
						
							
								
									
										
										
										
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								   < / footer > 
							 
						 
					
						
							
								
									
										
										
										
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								   < script  src = "assets/calculator.js" > < / script > 
							 
						 
					
						
							
								
									
										
										
										
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								  < / body > 
							 
						 
					
						
							
								
							 
							
								
							 
							
								 
							
							
								< / html >