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.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
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 authorisation 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 a fortnight, and the slow ones are not predictable.
Related questions
- 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 authorisation 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.
Need this handled?
We do the filings, and we place the accounts other brokers decline — lapsed authority, claims history, new ventures. Tell us the situation and a licensed human replies the same business day.