What you'll accomplish
Build and analyze loss ratio tables, identify portfolio trends, and spot concentration risks in your book of business — using natural language commands inside Excel, without writing a single formula. The same Excel spreadsheet you already use for tracking becomes a portfolio analysis tool.
What you'll need
- Microsoft 365 Business Standard or higher subscription (includes Copilot in Excel)
- Your loss data or renewal tracking spreadsheet in Excel (a table with account name, premium, losses, line of business)
- Copilot enabled by your IT department (most Microsoft 365 accounts have it by mid-2025)
Tool Feature: Microsoft Copilot in Excel — Loss Ratio and Portfolio Analysis
Step 1: Open Your Loss or Renewal Tracking Spreadsheet
Open an existing Excel workbook that has at least columns for: account name, line of business, annual premium, and loss amounts. This can be your renewal tracking sheet, a portfolio export from your policy system, or a manually maintained account list.
If you don't have one, Copilot can help create the template — click the Copilot icon and ask: "Create a table for tracking 20 commercial accounts with columns for account name, line of business, annual premium, 5-year incurred losses, 5-year loss ratio, and renewal status."