Loss Runs Services

Understand Your Claims History, Strengthen Your Coverage

Your insurance record is more than just a piece of paperwork—it’s the foundation insurers use to assess your risk, determine premiums, and approve coverage. At Everinley Insurance Agency, we provide thorough and reliable loss run services to help both individuals and businesses access, review, and manage their claims history.

Whether you are applying for new coverage, shopping for competitive quotes, or renewing an existing policy, having accurate loss run reports ensures a smoother process and positions you more favorably with insurance companies.

What Are Loss Runs?

A loss run report is an official document issued by your insurer that contains a record of all claims filed against your policy. It typically includes:

The date of each claim filed
The type of loss (auto accident, property damage, liability claim, etc.)
The amounts paid out by the insurer
Open claims or reserves are still pending resolution

These reports act as a financial track record, showing insurers how often you’ve filed claims and the severity of losses. Just as credit scores affect loan approvals, loss runs directly impact your insurability and premium costs.

Why Loss Runs are Important

Maintaining and reviewing your loss run reports can provide several key advantages:

Secure Competitive Quotes – Insurance companies require loss runs before issuing business or commercial insurance quotes.
Control Premium Costs – Strong, claim-free histories often result in lower premiums.
Maintain Transparency – Clear and accurate histories build trust with underwriters.
Identify Risk Patterns – Reviewing recurring claims points to areas where additional protection or risk management may be needed.
Streamline Renewals – Having reports ready prevents delays in renewing coverage.

Everinley’s Loss Run Services

At Everinley Insurance Agency, we make the process of requesting and managing loss runs easy. Our loss runs services include:

Request Assistance

We communicate with your current or prior insurance carriers to officially request your reports.

Thorough Review

Our experts check data for accuracy, eliminating duplicates, outdated entries, or errors.

Clear Explanation

We break down what each claim means and how your history may affect coverage or pricing.

Strategic Planning

If past claims raise concerns, we help create risk management strategies to improve your insurance profile moving forward.

By partnering with us, you won’t just have access to your reports—you’ll know exactly how to use them to your advantage.

Who Needs Loss Run Reports?

Loss runs are a must-have document for:

Business Owners applying for new commercial coverage or reviewing liability policies.
Contractors bidding on projects that require proof of insurance claim history.
Individuals looking for competitive rates on personal auto or home coverage.
Organizations are tracking annual claims to strengthen long-term risk management strategies.

Why Choose Everinley for Loss Run Management?

Unlike simply requesting the documents on your own, working with Everinley provides a clear advantage:

A faster request process handled by our team, saving you time and paperwork hassles.
Accurate review and verification to ensure your record represents your history truthfully.
Expert guidance on presenting a stronger profile to insurers.
Ongoing support to help you reduce future claims through better coverage planning.

Professional Services We go beyond just reporting—we turn your claims history into an actionable tool for better insurance outcomes.

Services

Take Control of Your Insurance History

Your loss run report is more than just a list of past claims—it’s a powerful document that shapes your insurance future. With Everinley Insurance Agency, you gain the clarity, accuracy, and strategy needed to manage this aspect of coverage with confidence.