Loss runs
Loss runs are claim-history reports supplied by a carrier or its authorized administrator. They commonly show claim dates, status, amounts paid, and outstanding reserves for the policies and period reported. Underwriters may request them when considering a commercial account.
Why they matter in an agency
A carrier may require current loss runs before providing a quote or binding a commercial risk. The number of years and acceptable valuation date vary by line and underwriting requirements. Confirm those requirements early so the team requests the right report.
Loss runs also protect the client. A clean history is negotiating leverage for better terms. A messy one is better to know about before the application goes out, not after the decline.
How agencies get them
Use the carrier's current request process and confirm who may request or receive the report. Depending on the process, the insured's authorization may be needed. Request methods, obligations, and delivery timelines can vary by carrier and jurisdiction.
The request needs the named insured exactly as written on the policy, the policy numbers, and the years requested. Missing or mismatched details are the most common reason a request bounces.
Check the report before sending it on
Match the insured, policies, reporting period, and valuation date to the request. Check for missing years and note open claims. A report received today can still contain an older valuation date that the receiving underwriter will not accept.
In Relay
Relay's Document Parsing reads loss run PDFs into structured claim data your team can actually use. See how →
Common questions
How many years of loss runs do underwriters want?
Ask the receiving underwriter for the required years and valuation date. Three to five years is a common request, but the requirement can differ for a new venture, a particular line, or a specific carrier.
Are carriers required to provide loss runs?
Many states require carriers to provide them within a set window after a request, but the rules and timelines vary by state. In practice, turnaround depends heavily on the carrier and how you ask.
Related terms
Part of the Relay insurance operations glossary. Updated 2026-07-11. See how we source content.
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