What is an insurance loss run report?

Loss run reports do more than record your business’s past claims activity. They can also help you shape your future insurance options. Here’s why they’re important:

• Accurate risk assessment: Insurers use loss runs to determine your risk level and set premiums for future policies.

• Better pricing and coverage options: A clean or well-managed claims history can help you negotiate better rates.

• Improved risk management: Understanding patterns in your claims can help you identify areas for

  safety improvements or operational changes.

To request a loss run report, contact your insurance provider or agent. Depending on your provider, you’ll likely be required to submit a written request. Include key details like your policy number, business name, and the time frame you’re requesting. Expect a turnaround time of about 7–10 business days, though some insurers provide quicker digital access.

A typical loss run report includes:

• Policy period: The coverage dates for each policy

• Date of loss: When each claim occurred

• Type of claim: For example, workers’ compensation or general liability

• Paid amount and reserves: What’s been paid out and any estimated future costs

• Claim status: Open, closed, or pending

Reviewing your loss run reports helps you identify trends in claim frequency and severity. With that information, you can take proactive steps to prevent future losses, protect your employees, and reduce long-term costs.

Ready to take more control of your claims? Visit our Claims Center for tools and resources, along with access to our online claim portal.