How to Request Loss Runs From Your Carrier
September 6, 2026
Key takeaways
- Request loss runs from your broker first, or the carrier directly if you have no broker; most turn the request around within a few business days to two weeks.
- Name the policy number, the lines of coverage, and the years of history you need (usually three to five years) so the carrier does not have to guess.
- Ask early: a renewal or a new-carrier submission can stall while a loss run is pending, so requesting before you need it avoids the delay.
To request a loss run, contact your broker, or the carrier's underwriting or loss-control department if you work directly with a carrier, and ask by policy number for a loss run covering the years and lines of coverage you need. Most carriers return it within a few business days, though some take up to two weeks depending on the line and how far back the request goes.
Who to ask
If you work through a broker, they can usually request the loss run on your behalf and often already have recent copies on file from your last renewal. Without a broker, the request goes to the carrier's underwriting or claims department, whichever handles loss run requests for that line of coverage; the carrier's service center can route it if you are unsure which team to ask.
What to include in the request
A usable request states the policy number or numbers, the named insured exactly as it appears on the policy, the line or lines of coverage (general liability, auto, workers' compensation, and so on), and the years of history needed, commonly three to five. Requesting all lines at once in a single email or letter is faster than following up line by line.
How long it takes, and why timing matters
Turnaround runs from a couple of business days to about two weeks, longer if the carrier has to pull older years or if the policy has changed hands through an acquisition or program change. Because a pending renewal or a new-carrier submission can stall on a missing loss run, requesting it a few weeks ahead of the date you need it, rather than the week you need it, is what keeps a renewal on schedule.
Where the loss run goes once you have it
A loss run arrives as a PDF from the carrier, one per policy or line, and is easy to lose track of alongside everything else in a renewal file. Atlasafe stores the loss runs you upload against the policy they cover and computes loss ratio from the figures you record, so the report is on hand the next time a broker or an underwriter asks for it.
Who do I contact to request a loss run?
What information do I need to request a loss run?
How long does it take to get a loss run?
Keep every loss run on file once it arrives
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