Loss run,
defined.
A loss run is a report from an insurance carrier that lists a policyholder's claims history over a set period, usually three to five years.laim's date, type, status, amounts paid, and reserves. Underwriters use loss runs to assess risk and price coverage at new business or renewal.
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How loss runs are used
When remarketing or writing new business, an agency requests loss runs so underwriters can see the account's claims experience. A clean loss run can mean better pricing.
Gathering loss runs is part of preparing a renewal pack, alongside the current policy and exposure data.
Common questions
How far back does a loss run go?
A loss run usually covers the most recent three to five years of a policyholder's claims history, though the exact period depends on the carrier and the line of business.
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