Claims
Loss Run
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Definition. A loss run is a carrier-produced report of a business's historical claim activity — for each claim, the date and type of loss, amounts paid, and amounts still reserved. Underwriters use it to price and evaluate a risk at new business and renewal.
Also known as:
loss run report, claims history, loss history report
A loss run (or loss run report) is the official record of your claims history, produced by your insurance carrier. For each claim over a defined period it lists the date and type of loss, amounts paid, and amounts still reserved as of the valuation date. It is the single most important document an underwriter uses to evaluate and price your risk.
Insurers typically request 3–5 years of loss runs. A clean multi-year loss run is a direct lever for lower premiums; a history of frequent or severe claims raises rates or narrows terms. Note that open reserves — money set aside for claims not yet closed — count against your record even before the claim resolves, so large open reserves can hurt pricing until they settle.
Loss runs are standard across most commercial lines — workers' comp, property, commercial auto, GL, and professional liability — and are usually required to bind or renew coverage. Request them from your current or prior carrier or agent; many states set response-time requirements.
Example
A trucking company shopping its policy is asked for 3–5 years of loss runs. The report shows two at-fault collisions and one cargo claim — $85,000 paid plus a $20,000 open reserve — which the underwriter uses to decide whether to quote and at what rate.
Sources cited
- Loss Run
— International Risk Management Institute (IRMI) (2024)
- Loss Runs
— Insureon (2024)
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Disclosures
📘 Educational content only.
Reviewed by licensed Property & Casualty insurance agent
Jason Wootton (NPN 7694718). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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