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What Are Insurance Loss Runs?

insurance loss runsYour insurance loss run report shows your business’ claims history. This means that each time you file a claim under your business insurance, it’s recorded in your loss runs report. This report can be useful if you’re looking for new seguro para pequeñas empresas. Potential insurers can use the report to evaluate risk in offering you insurance coverage.
For instance, loss run reports showing no claims history may help you save money on business insurance by reducing your insurance cost and premiums. Your loss run report is similar in that it allows insurance carriers to evaluate your claim activity and risk. These reports also have a section with a reserve fund if you have open claims. This is the amount of money set aside by your insurer to cover the claim. However, the final amount a claim costs can be higher or lower than the amount set aside.

Why Is a Loss Run Report Important for a Small Business?

loss runsYour loss run report is an important tool for small business owners. Not only can you use it to review your own business’ risk and create a risk avoidance strategy, but it can help you negotiate your premiums with insurance companies.

What Is Included in a Loss Run Report?

Your loss run report includes information like:
  • Your name and policy number
  • The date of each claim you’ve filed and if they’re open or closed
  • A description of each claim and losses reported
  • Settlement costs for past claims

How Do I Get a Loss Run Report?

loss run reportTo request a loss run report, you’ll need to contact your insurance carrier or agent directly. The best approach for this is to email or call them. It’s also important to keep in mind that all states business insurance requirements are different. Generally, states require insurance agents and companies to get you your loss run report in 10 days. However, if you don’t receive your loss run report in a timely manner, you can contact your state’s insurance commissioner.

What Types of Business Insurance Can a Loss Run Report Be Generated For?

You can request a loss run report for business insurance coverages like:

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To learn more about business insurance, obtener una cotización today. We’re an insurance company that’s helped small business owners get the coverage they need for over 200 years. Our specialists can also help you analyze your loss run report and find a premium that’s right for you.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
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