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When you shop for business insurance, carriers often ask for a loss run report. It is simply a record of your business's past insurance claims, and it plays a real role in the price you are offered.
A loss run lists the claims filed under your policies over a period, usually several years, including what happened and what was paid. Carriers use it to gauge your risk, much like a credit history informs a lender.
A clean loss run can help you secure better pricing, while frequent claims may raise it. Requesting your loss runs before you shop lets you see what carriers will see and address any surprises in advance.
Ask your current carrier for your loss runs before you compare quotes, so the process moves faster. Explore business insurance or start a quote.
Section 45S is permanent and, from 2026, can run on leave wages or on paid leave insurance premiums. The 12.5% to 25% rate and the tests to confirm.
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