What Is a Loss Run Report?
July 16, 2026 · Updated September 6, 2026
Key takeaways
- A loss run is a report from your insurer listing the claims filed under a policy over a period, usually the last three to five years.
- Underwriters use it at renewal or when quoting new coverage to judge risk, so a clean loss run can mean better pricing.
- Each entry typically shows the claim date, type, status, amount paid, and amount reserved.
- Loss ratio, losses divided by premium, is calculated from loss run data; Atlasafe imports loss runs and computes it from what you record.
A loss run report is a document from an insurance carrier that lists the claims filed under a policy over a set period, commonly the past three to five years. It is your business's claims history for that line of coverage, and underwriters rely on it to price risk. A business with few or small claims looks less risky than one with a pattern of losses, and that shows up in the renewal offer.
What a loss run shows
Each claim on a loss run typically includes:
- Date of loss: when the incident occurred.
- Claim type or description: what happened.
- Status: open, closed, or reopened.
- Paid amount: what the carrier has paid so far.
- Reserved amount: what the carrier expects to pay on open claims.
Together these give an underwriter a picture of how often you have losses and how large they run.
Why loss runs matter at renewal
When you renew a policy or seek new coverage, the carrier wants to see your recent claims history. A clean loss run supports better pricing; a heavy one drives premiums up or narrows your options. Because carriers can take several days to produce loss runs, requesting them early is part of starting a renewal on time, a late loss run can stall a submission.
Loss runs and loss ratio
Loss ratio, the total losses divided by the premium paid, is the summary figure underwriters and business owners read off loss run data. A loss ratio well under 100% means the account paid more in premium than it cost in claims. Tracking it over time shows whether a program's claims experience is improving or deteriorating, and it is also a main way claims history affects renewal pricing.
Requesting and tracking loss runs
Requesting a loss run starts with your broker or the carrier's underwriting department, naming the policy, the lines of coverage, and the years of history you need. Once it arrives, tracking each claim's status and notes is what keeps the record accurate for the next time a loss run gets pulled.
Keeping loss runs and claims in one place
Loss runs arrive as PDFs from each carrier and are easy to lose track of. Atlasafe stores the loss runs you upload, records the claims you track with their status and amounts, and computes loss ratio from the figures you enter, so your claims history is in one place when a renewal or a broker asks for it. It organizes the data; the underwriting judgments stay with your carriers and brokers.
What is a loss run report?
Why do underwriters ask for loss runs?
How far back do loss runs go?
What is a loss ratio?
Keep every loss run and claim in one place
See how Atlasafe worksHow to Request Loss Runs From Your Carrier
Loss runs come from your carrier or broker, usually within a few business days. Here is what to include in the request and where to file the report.
What Is a Loss Ratio in Insurance?
Loss ratio is incurred losses divided by earned premium. Here is how it is computed, what underwriters read into it, and what a good ratio looks like.
How Claims Affect Business Insurance Premiums
How claims affect business insurance premiums: claims history drives the loss ratio and experience rating your carrier uses to price renewals.
Insurance Claims Tracking: Best Practices
Insurance claims tracking best practices: record each claim's status, dates, adjuster contacts, and notes so nothing stalls before renewal.