How it works
From "who did they have before?"
to a loss history.
Four steps, and you only touch the first two.
Name the insured and their prior coverage
Upload dec pages or type in the prior carriers and policy numbers. loss.run fills in what it can from the insured's InsureBio record and asks you about the rest.
Answer one question per policy
"Are you the broker of record on this policy?" A single request can mix both answers. That answer decides who signs, who gets asked and how.
loss.run sends and chases
Each request goes to the right desk in the format that carrier accepts: email, website, fax, or the carrier's own form, pre-filled. Follow-ups run on a schedule, replies are read and matched, and anything stuck comes back to you with a suggested next step.
- Wholesaler wants a separate request? It's resent.
- Carrier wants its own form? It's pre-filled for you.
- Still nothing after the last follow-up? It escalates to you.
Read it as one table
Every returned document is read into one loss history, with totals, open claims and loss ratio, and each number linked to the line it came from. Export it, or attach it to a PolicyOS submission.
The question that decides everything
Broker of record, or not.
A carrier releases claims history to the agent of record on its own policy. Anyone else, say a new agent shopping the account, needs the insured's written authorization. loss.run handles both paths, per policy.
yes · you're the broker of record
Sent right away
- signature
- None needed from the insured
- letter
- Broker-of-record letter, on your agency's behalf
- sent to
- The wholesaler or MGA if it was placed through one, otherwise the carrier's loss-run desk
- follow-up
- On a schedule until it's answered
no · you're shopping the account
Sent the moment the insured signs
- signature
- The insured signs once, on their phone, before anything goes out
- letter
- Authorization naming the carriers, the years and your agency only
- sent to
- The carrier's loss-run desk, on behalf of the insured
- follow-up
- A reminder to the insured, then the carrier on a schedule
Where a verified broker-of-record record exists, loss.run uses it to pre-answer the question, and it never lets an agency claim a policy another agency verifiably holds.
The carrier directory
Every carrier takes requests its own way.
Some want email, some a web form, some a fax, some their own PDF. loss.run keeps a shared directory of how each carrier takes loss-run requests and how quickly it tends to answer, so your request goes out the way that carrier will actually process it, and follow-ups are timed to match.
The PolicyOS family
One tool here. A whole bench behind it.
loss.run stands on its own. It is also one of the free PolicyOS tools for independent agencies, so a finished loss run can drop straight into a submission, a proposal and a signed, paid deal.
Early access
Stop chasing. Start reading.
loss.run is opening in waves, alongside PolicyOS. Free for agencies.