Overhead & profit (O&P)

10-and-10 math plus the three-trades test.

Applies general-contractor overhead and profit to an estimate subtotal and runs the three-trades rule of thumb: check the trades the repair involves, and if three or more are coordinated, GC involvement — and O&P — is customarily warranted.

Inputs

Trades involved

Estimate subtotal (before O&P) ($)

Overhead (%)

Profit (%)

O&P depreciation (%)

Only if the carrier depreciates O&P — shows the ACV impact.

Result

Enter values above to calculate.

Estimating guide — O&P eligibility and treatment vary by carrier, policy, and jurisdiction. Not a coverage determination.