A report from an insurer listing the claims made under your policy, usually covering the last three to five years. It shows the date of each claim, what it was, what was paid, and what is still open, and a year with nothing on it is shown as exactly that. Underwriters read it as your track record, and it is the difference between telling a carrier you have had no claims and being able to show it. Every commercial line uses them, not only trucking.

I do not know how to get them. What do you actually do?

We run it for you. We identify the carriers behind your prior terms, prepare the requests with the authorization attached, chase them, and read what comes back before it goes to market. Most of our insureds never make the request themselves. This is one of the pieces of work that should not be sitting on an owner-operator’s to-do list, and it is a common reason an account never gets properly shopped.

My prior agent will not give them to me. Is that allowed?

The claims history is yours, and an agent who is slow with it is usually protecting the account rather than exercising a right. Where an agent will not help, the request can be made directly to the insurer that issued the policy, which removes them from the process entirely. This is a common situation and it is solvable.

How far back do carriers want?

Three years is the usual expectation and five is asked for often, particularly on larger fleets or after a serious loss. Gaps matter: a period with no coverage at all is a question in itself, and it is better answered up front than discovered.

What if my history is bad?

Then it is worth knowing before the market does. A history with losses in it is placeable — this class is full of accounts that had a bad year — but it needs to be presented with what changed since: the driver who left, the camera system installed, the lane that was dropped. Handed over without that context, it just reads as a number.

Does it work differently depending on the carrier?

The entitlement is the same everywhere and the route to it is not. Some carriers answer a plain email to a loss run address, some only release through the agent of record, some produce them from a policyholder portal in a few minutes, and a few still want a signed request on the named insured letterhead. Direct writers and the online carriers tend to be the fastest because it is self service. The one thing that is constant is that the request has to come from you or from somebody you have authorized, which is why a competing agent asking on your behalf without a signed authorization gets refused. Tell us who the carrier is and we will tell you which of those it is rather than guessing at a form.

My carrier is ignoring the request. What now?

Escalate in writing and give it a date. A short note to the carrier naming the policy number, the period you want and a reasonable deadline moves most of them, and copying the agent of record moves the rest. Where it still stalls, most states require an insurer to furnish loss information to its own policyholder on request, and saying that you will raise it with the state insurance department is usually the last step needed. Start early rather than late, because the request tends to be made in the week the renewal is due and that is the week it hurts to wait.

A man in a sweater on the phone at a desk with a printed loss run report fanned out in front of him and a pen in his hand

How do I get my loss runs?

You request them from your current or prior insurer, or from the agent who placed the policy. They are your claims history and you are entitled to them. Most carriers will produce three to five years, and the request usually has to come from the named insured rather than from a competing agent.

Call/Text(626) 344-2158

Five years, on one call.They are yours by right, which does not always mean they arrive quickly.

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Tell us the situation.

One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.

We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.

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Send us what you have. We’ll tell you if it’s right.

Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.

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The detail

A loss run is a report from an insurer listing claims made under a policy, typically covering the last three to five years, and is routinely required by underwriters before quoting commercial auto and trucking risks.
Industry underwriting practice

What this means for you

No loss runs usually means no serious quote. A carrier asked to price an unknown history will either decline or load the rate for the uncertainty, and the loading is almost always worse than whatever the history actually shows.
A clean three years is worth real money, and plenty of operators never find out they had one because nobody asked for the report.
Claims-free is not the same as no history. A report showing three years with no claims is evidence; silence is not, and underwriters treat the two very differently.
The request generally has to come from you as the named insured. An agent asking on your behalf usually needs your authorization attached, which is the step that stalls it.
Start earlier than feels necessary. Some carriers turn a request around the same day and some take two weeks, and the slow ones are not predictable.

Need this handled?

Reading about it and having it handled are different jobs, and the second one is ours. We place the accounts other brokers decline — claims history, a cancellation, an unusual operation, a business nobody wants to underwrite twice — and we will tell you when the policy you already have is the right one. Tell us the situation and a licensed human replies the same business day.