How much loss to keep on yourself

Insurance is really a trade: pay a bit more premium now to shrink the loss you would carry on the worst day. The plan with the lower retained ceiling costs more each year, but the number that matters is how much less you would have to absorb, and whether the cheaper plan’s ceiling is even survivable given your savings. Enter both premiums and both ceilings; the tool shows the yearly gap, the exposure it removes, and whether each ceiling fits inside your savings.

Result

Plan B costs 800 more a year, and in return your worst-case retained loss drops from 300,000 to 50,000 — 250,000 less to carry. That works out to about 32 a year for every 10,000 of exposure retired. Plan B's retained ceiling of 50,000 sits within your 80,000 of reachable savings, while plan A's 300,000 ceiling is far beyond your savings — the worst day would break you.

Plan B extra premium / year: 800
Worst-case exposure reduced: 250,000
Cost per 10,000 of exposure retired: 32
B ceiling within savings?: Yes

Two ceilings side by side — the premium gap buys down what you would carry on the worst day.

The result follows the premiums and ceilings you enter; it is not a recommendation of any product.

Assumptions & limits

This does not estimate how likely an accident is; it only prices the difference between two ceilings. Limits, deductibles and claim boundaries follow the formal policy wording, which can differ for commercial versus personal use.