A loss run is an insurer's report of a policyholder's claims history. Florida law, for example, defines a loss run statement as a report with the policy number, the period of coverage, the number of claims, the paid losses on all claims and the date of each loss, and requires insurers to provide one within 15 calendar days of a written request.
Why it matters when licensing company data
Policyholders usually ask for loss runs when they shop for new cover, because underwriters price a renewal on the last few years of claims. Florida requires five years of history and lets insurers leave out loss reserve information and the supporting claim file documentation; other states set their own deadlines, such as 20 days in Kentucky.
A loss run is a summary. The claims files behind it hold the detail: first notice, adjuster notes, reserve changes, payments and the outcome. For a carrier, an MGA or a self-insured group, those files are the record that shows how claims were handled from start to finish.
See how to read a loss run report and claims files as a data asset.
Example
A trucking company renewing its commercial auto policy asks its insurer for five years of loss runs. The report lists each claim with the date of loss, the amount paid and whether it is open or closed. The insurer, reviewing its own book later, notices that its claims files hold far more than the loss runs show, including adjuster notes and reserve history, and asks its lawyers which parts could be licensed once policyholder identities are removed.
Source
Florida Statutes § 627.444 (flsenate.gov). Definition reviewed November 9, 2026 by Origin Data Partners.