Loss Run Reports, Requested, Read and Summarized for You
Request loss runs from every carrier, chase them automatically and get a clean five-year claims summary with loss ratios for the underwriter.
From a carrier PDF to a reconciled claims table in under a minute
Every carrier prints loss runs its own way. LossRunReports reads the layout, maps each column to one claims schema and checks the totals against the report before anyone retypes a number.
Northfield Mutual Insurance Co.
Commercial Lines Loss Run Report
Insured RIDGELINE FREIGHT LLC
Pol CA 4471902, valued 09/19
CLM NO DOL DESCRIPTION ST PAID TOT O/S RES TOT INC
CA-22-00143 01/27/22 JACKKNIFE 3RD PTY BI C 82,900 0 82,900
CA-22-01022 09/19/22 CARGO SHIFT LOAD DMG C 8,260 0 7,060
CA-23-00388 04/05/23 SIDE-SWIPE LANE CHG C 13,550 0 13,550
CA-23-00391 04/05/23 SIDE-SWIPE LANE CHG C 13,550 0 13,550
CA-23-01204 11/30/23 WINDSHIELD/GLASS C 1,180 0 1,180
CA-24-00266 02/21/24 INTERSECTION 2 CLMTS O 38,600 38,500 77,100
CA-24-00870 07/08/24 PARKED VEH STRUCK C 3,550 0 3,550
CA-25-00112 01/16/25 REAR-END INSD STRUCK O 10,150 14,000 24,150
CA-25-01120 10/04/25 LANE DEPARTURE O 5,440 9,000 14,440
--------- ------- --------
** RECOVERIES APPLIED TO TOT INC ** 197,685 61,500 257,985
Values subject to change. Page 1 of 3.
- CA-22-00143Closed
Jackknife, third party injury
01/27/22Incurred $82,900 - CA-23-00388Closed
Side-swipe on lane change
04/05/23Incurred $13,550 - CA-24-00266Open
Intersection, two claimants
02/21/24Incurred $77,100 - CA-25-00112Open
Rear-ended, insured struck
01/16/25Incurred $24,150 - CA-25-01120Open
Lane departure
10/04/25Incurred $14,440
| Claim | Loss date | Status | Paid | Reserve | Incurred |
|---|---|---|---|---|---|
| CA-22-00143 | 01/27/22 | Closed | $82,900 | $0 | $82,900 |
| CA-23-00388 | 04/05/23 | Closed | $13,550 | $0 | $13,550 |
| CA-24-00266 | 02/21/24 | Open | $38,600 | $38,500 | $77,100 |
| CA-25-00112 | 01/16/25 | Open | $10,150 | $14,000 | $24,150 |
| CA-25-01120 | 10/04/25 | Open | $5,440 | $9,000 | $14,440 |
CA-23-00388 and CA-23-00391 look like one claim reported twice
6
steps in one queue
request, chase, receive, parse, analyze, submit
3, 7, 14
day follow-ups
sent for you until the carrier replies
90
day valuation check
stale loss runs are flagged before submission
5
years per summary
by policy year and line, with loss ratio
The whole loss run loop
Request, chase, receive, parse, analyze, submit. One place, no spreadsheets.
Ordering tools stop at the PDF and AI readers start at the PDF. LossRunReports runs the entire loop, so a renewal goes from "need loss runs" to "submission ready" without anyone retyping a claim.
| Carrier | Policy | Status | Last action |
|---|---|---|---|
| Northfield MutualCA 4471902 | CA 4471902 | Received | Oct 4 |
| Keystone CasualtyGLP 0088213 | GLP 0088213 | Follow-up 2 sent | Oct 9 |
| Granite State CompWC 2215560 | WC 2215560 | Acknowledged | Oct 7 |
| Bayline SpecialtyPKG 771045 | PKG 771045 | Sent | Oct 10 |
| Crestmark IndemnityUMB 30981 | UMB 30981 | Drafted | n/a |
Oct 1, 9:12
Request sent to [email protected]
Oct 4, 8:00
Follow-up 1 sent automatically (day 3)
Oct 8, 8:00
Follow-up 2 sent automatically (day 7)
Oct 15, 8:00
Follow-up 3 scheduled (day 14)
Oct 21
Marked overdue, account manager notified
Upload link
Bayline Specialty portal export
PKG771045.xlsx
- CA-22-00143Closed
Jackknife, third party injury
01/27/22Incurred $82,900 - CA-23-00388Closed
Side-swipe on lane change
04/05/23Incurred $13,550 - CA-24-00266Open
Intersection, two claimants
02/21/24Incurred $77,100 - CA-25-00112Open
Rear-ended, insured struck
01/16/25Incurred $24,150 - CA-25-01120Open
Lane departure
10/04/25Incurred $14,440
| Claim | Loss date | Status | Paid | Reserve | Incurred |
|---|---|---|---|---|---|
| CA-22-00143 | 01/27/22 | Closed | $82,900 | $0 | $82,900 |
| CA-23-00388 | 04/05/23 | Closed | $13,550 | $0 | $13,550 |
| CA-24-00266 | 02/21/24 | Open | $38,600 | $38,500 | $77,100 |
| CA-25-00112 | 01/16/25 | Open | $10,150 | $14,000 | $24,150 |
| CA-25-01120 | 10/04/25 | Open | $5,440 | $9,000 | $14,440 |
CA-23-00388 and CA-23-00391 look like one claim reported twice
5-yr loss ratio
27.7%
Frequency
2.4 / yr
Open reserves
$61,500
- Loss summary, 5 years, all linesPDF and XLSX
- Currently valued loss runs (4 carriers)4 PDFs
- ACORD 125 and 129 prefilled from prior applicationFields extracted
- Schedule of vehicles and driver listXLSX
- Large loss narrative for CA-24-00266Edited by producer
Built for the lines where loss runs decide the price
Commercial auto, general liability, workers compensation, property and package. Each line gets the columns underwriters read first.
- Commercial auto
- Frequency per power unit, at-fault share, large BI losses
- General liability
- Completed operations, premises, open reserves on BI
- Workers comp
- Medical vs indemnity, lost time, claims that drive the mod
- Property and package
- Cause of loss, weather events, deductibles and recoveries
Workers comp books get their own guide: workers comp loss runs and the experience mod.
For the agency principal
Put a number on the hours your team spends chasing loss runs
Requesting, following up, saving attachments and retyping claims typically eats a few hours per commercial renewal. Enter your own numbers and see what that time costs a year.
- Submissions go out 60 to 90 days before expiry instead of the last week.
- Every request, reply and export is logged, which helps with E&O documentation.
- Account managers spend the saved hours on marketing the account, not on email.
Your loss run workload
Hours back a year
Staff cost a year
Estimate assumes 80 percent of today's loss run time is automated.
Where the hours go each month
billed yearly, against of staff time
Compare Broker and AgencyHow LossRunReports compares with the usual ways of getting loss runs
Most agencies combine email, a spreadsheet and sometimes an ordering service. Here is what each approach covers.
-
Requests with signed client authorization
LossRunReports Yes
- Email and Excel
- Manual
- Ordering-only service
- Yes
- AI reader sold by demo
- No
-
Automatic follow-ups until the carrier replies
LossRunReportsDay 3, 7, 14
- Email and Excel
- No
- Ordering-only service
- Partly
- AI reader sold by demo
- No
-
Reads PDFs, scans, XLSX and CSV into one schema
LossRunReports Yes
- Email and Excel
- Retyping
- Ordering-only service
- No
- AI reader sold by demo
- Yes
-
Reconciles totals, flags gaps, duplicates, stale valuations
LossRunReports Yes
- Email and Excel
- No
- Ordering-only service
- No
- AI reader sold by demo
- Partly
-
Five-year summary with loss ratio
LossRunReports Yes
- Email and Excel
- Hand built
- Ordering-only service
- No
- AI reader sold by demo
- Partly
-
Renewal submission package
LossRunReports Yes
- Email and Excel
- Hand built
- Ordering-only service
- No
- AI reader sold by demo
- Partly
-
Public price, self-serve start
LossRunReports Yes
- Email and Excel
- n/a
- Ordering-only service
- Partly
- AI reader sold by demo
- No
-
Try it on your own loss run before paying
LossRunReports Yes
- Email and Excel
- n/a
- Ordering-only service
- No
- AI reader sold by demo
- No
"Carriers will not reply to a system."
Requests go out in your agency's name with the insured's signed letter of authority. Replies come back to your own inbound address.
"Our loss runs are a mess of formats."
That is the point. Scans, spreadsheets and PDFs end up in one claims table, and totals are reconciled against each report.
"We cannot put client data in another tool."
Encryption at rest and in transit, field-level encryption, roles, audit log, retention you set, and a self-serve DPA.
Works with your agency management system
Import the book from your AMS or CRM with saved column mappings, then send summaries back by file or API.
Applied Epic
Book import, summary export
AMS360
Book import, summary export
HawkSoft
Client list import
EZLynx
Client list import
Salesforce
Accounts and renewals
HubSpot
Companies and deals
Inbound address per agency
Carriers reply to your own address, attachments are filed automatically.
Secure upload links
Carriers and insureds upload straight into the right request.
REST API and webhooks
Request created, document received, extraction ready.
Security and compliance
Loss runs carry claimant names and FEINs. We treat them that way.
Built to support your GLBA Safeguards program and GDPR obligations, with controls you can show an auditor.
Read the security overview
Encrypted everywhere
TLS in transit, encrypted storage at rest, FEIN and claimant names encrypted at field level.
Role-based access
Admin, manager, account manager and viewer roles, accounts assigned per person.
Audit log
Every view, download and export recorded with user, time and IP.
Retention you control
From 30 days to 7 years per agency, deletion on request, legal hold.
Never used for training
Your documents are never used to train AI models.
DPA and questionnaire
Self-serve data processing agreement and security questionnaire.
Who runs their loss runs through LossRunReports
Renewal desks, producers, MGA submission teams and carrier underwriters work from the same normalized claims table.
Renewal desk at a commercial agency
Requests start 120 days before expiry for every account in the book. By day 90 the loss runs are in and summarized.
See howNew business producer
The prospect signs the letter of authority on a phone, and five prior carriers get a request the same day.
See howMGA and wholesale submission desk
Broker loss runs in any format turn into a normalized table in minutes, ready for triage and quoting.
See howCarrier underwriting team
Every submission gets the same five-year view, whatever carrier format the broker attached.
See howWorkers comp and fleet-heavy books
Frequency, lost time and large losses surface first, the numbers that move a mod or an auto rate.
See howAccount manager on a deadline
Upload a stack of loss runs the night before a submission and get one summary instead of five PDFs.
See howPublic, flat loss run software pricing
Three plans, each with a monthly limit of client accounts and documents. Yearly billing saves 50 percent.
Broker
Commercial agencies and producer teams getting loss runs off spreadsheets.
Billed $1,788 yearly
- 50 client accounts and 300 loss run documents a month
- 3 seats
- Request letters with client authorization e-sign
- Carrier directory with loss run contacts
- Automatic follow-ups on day 3, 7 and 14
- Dedicated inbound address and upload links
- Claims extraction from PDF, scans, XLSX and CSV
- Gap, duplicate and stale valuation checks
- Five-year loss summary, XLSX, CSV and PDF export
Agency
Recommended for MGA desksMid-size agencies and MGA desks running every renewal through one queue.
Billed $8,988 yearly
- Everything in Broker
- 400 client accounts and 3,000 documents a month
- 15 seats with roles and account assignment
- Loss ratio from earned premium, by year and line
- AI underwriter narrative you can edit
- Renewal pipeline: requests start 120 days before expiry
- AMS and CRM sync by file mapping and REST API
- Submission builder with ACORD field extraction
- Build renewal submission in one click
Enterprise
Large brokerages, wholesalers and carrier underwriting teams.
Billed $29,988 yearly
- Everything in Agency
- 2,500 client accounts and 20,000 documents a month
- Unlimited seats (fair use)
- SSO with SAML, Google or Microsoft
- Audit log export and field-level access policies
- Custom retention and legal hold
- REST API, webhooks and API keys per environment
- MGA mode: broker submission queue with triage score
- Self-serve DPA, security questionnaire, invoice billing
Flat subscription, no per-document fees. Limits reset every billing month and are visible in your dashboard. Card payment with 3D Secure, cancel any time.
Questions brokers ask before switching
Something else? Write to [email protected].
What is a loss run report?
A loss run report is the claims history an insurance carrier issues for a policy: every claim with its date of loss, status, paid amounts, open reserves and total incurred, valued as of a date. Underwriters use three to five years of loss runs to price a commercial renewal or a new submission.
Will carriers send loss runs to your system?
Yes. Requests go out in your agency name with the insured's signed letter of authority attached, so carriers treat them like any broker request. Replies land in your dedicated inbound address or on a secure upload link, and each file is matched to the right request automatically.
Our loss runs come in dozens of formats and scans. Can you read them?
LossRunReports reads PDFs with a text layer, scanned PDFs, images, XLSX and CSV. Every claim is normalized to one schema, and the totals are reconciled against the carrier report, so anything that does not add up is flagged instead of slipping into the submission.
Is client data safe and are we compliant with GLBA and state privacy rules?
Documents are encrypted in transit and at rest, FEIN and claimant names are encrypted at field level, access is role based, and every view and export goes into an audit log. You set retention per agency. A data processing agreement is available self-serve. Your documents are never used to train AI models.
Does it work with Applied Epic, AMS360, HawkSoft and EZLynx?
Yes. Import your book from an AMS or CRM export with saved column mappings, and push loss summaries back by file or through the REST API on Agency and Enterprise plans.
Are there per-document fees or surprise overages?
No. Each plan is a flat subscription with a visible monthly limit of client accounts and documents. At 80 percent of the limit you see a notice, and you can move to a larger plan at any time.
How long does it take to get started?
Upload your client list today and the first requests go out the same hour. Most agencies start with the renewals expiring in the next 120 days.
What does the underwriter receive?
A five-year loss summary by policy year and line with claim counts, paid, open reserves, incurred, loss ratio, large losses and a short narrative, as a PDF and a spreadsheet you can attach to the submission.
Can we cancel?
Yes. Plans are monthly or yearly and you can cancel any time in billing. Access runs to the end of the paid period.
See your own loss run read in under a minute
Upload one carrier report or use our sample. No account needed for the first read.