Also known as: loss runs · loss run · claims history report
A formal record of all insurance claims filed on a policy during a specified period, used by underwriters to assess your risk history.
A loss run report is an official document issued by your current or prior insurance carrier that lists every claim made under a policy — including the date, type, amount paid, amount reserved, and whether the claim is open or closed. Underwriters require loss runs (typically 3–5 years) when you apply for new coverage or switch carriers. A clean loss run history (few or no claims) can result in lower premiums and broader coverage offers.
A loss run report is a summary of all insurance claims filed under your policy over a defined period — typically the past 3 to 5 years. It includes the claim date, description, amount paid, amount reserved, and open/closed status. Underwriters use it to evaluate your claims history when you apply for new coverage or renew an existing policy.
Request loss runs directly from your current (and prior) insurance carriers or your broker. Carriers are typically required by state law to provide them within a set number of days — often 10–15 business days. Your broker can request them on your behalf. When switching insurers, gathering loss runs early speeds up the quoting process significantly.
Yes. A clean loss run history (few or no claims) is one of the strongest factors in getting lower premiums and better coverage terms. Frequent small claims can raise your premium as much as a single large claim because they signal poor risk management. Carriers also look at whether claims are open or closed — open claims carry more uncertainty and can increase your rate.
Definitions are educational and may be modified by your specific policy language, endorsements, and state rules. For regulatory guidance, refer to the California Department of Insurance or the NAIC.
Last updated: July 2026.