Every renewal demands the loss run. Now it has a schema.

The carrier's claims history on a policy, as typed data your agent can read, check and request.

Request access Read the schema

Every market prices an account on its loss run. It still arrives as a PDF. Now your agent can read it.

The document underwriters read first.

A point-in-time report of every claim on a policy, valued as of one date, from the carrier that held it.

The numbers

Paid went out. Reserve is booked for the rest. Incurred is both.

Issued by

The carrier that held the policy, from its claims system.

Demanded by

Anyone pricing or buying the account, at every renewal.

Valuation

Every figure is true as of one date. Open claims move after it.

Deadline

Often due 10 to 30 days after a written request, by state.

One document, thirteen typed fields.

The shape every loss run resolves to, whichever carrier produced it. Free, with no key.

example.jsonTypeMeaningSource
  1. {

  2. "carrier": "Meridian Mutual Insurance Co.",

    stringThe issuing carrier: the only authoritative source.Carrier claims system

  3. "insured": "Hargrove Cold Storage LLC",

    stringNamed insured on the policy.Carrier claims system

  4. "policy_number": "CPP-4471820-03",

    stringThe policy the history covers.Carrier claims system

  5. "line_of_business": "commercial_property",

    stringThe line it covers, e.g. commercial_property.

  6. "term_start": "2025-03-01",

    dateThe policy period covered.Carrier claims system

  7. "term_end": "2026-03-01",

    date

  8. "valuation_date": "2026-07-01",

    dateThe date every figure is true as of.Carrier claims system

  9. "claims": [

    3 itemsOne entry each; the first is shown in full.

  10. {

  11. "claim_number": "CLM-25-118204",

    stringThe carrier's claim identifier.Carrier claims system

  12. "date_of_loss": "2025-04-19",

    dateWhen the loss occurred, not when reported.Carrier claims system

  13. "cause_of_loss": "wind_hail",

    stringPeril code: wind_hail, water_damage, theft.Carrier claims system

  14. "status": "closed",

    enumopen or closed. Open figures can still move.Carrier claims system

  15. "paid": 41280,

    moneyDollars issued to date.Carrier accounting

  16. "reserve": 0,

    moneyBooked estimate of what remains to pay.Carrier accounting

  17. "incurred": 41280

    moneyPaid plus reserve: what underwriting prices on.Derived

  18. },

  19. { … }

    2 more, the same shape.

  20. ],

  21. "totals": { "paid": 53780, "reserve": 18000, "incurred": 71780, "claim_count": 3, "open_count": 1 }

    objectSums and counts across the report.Derived

  22. }

The complete record is at /example.json, and its JSON Schema at /schema.json.

What your agent does with it

Three run keyless today. Parsing takes an access key.

parse

Read the PDF

A PDF or AL3 file in, a typed LossRun out, from any carrier.

POST /parseaccess key
check

Check the figures

Every claim ties out: incurred is paid plus reserve.

validate_lossrunkeyless
request

Request a fresh run

A request letter to the carrier, addressed and ready to send.

draft_lossrun_requestkeyless
explain

Explain any field

What a figure means and what moves it after valuation.

explain_lossrun_fieldkeyless

Hand it to your agent

Point your agent at the MCP server. The schema, the checks and the request letter become tools.

mcp.json
{  "mcpServers": {    "lossruns.claims": {      "url": "https://lossruns.claims/mcp"    }  }}

Tools · keyless

get_lossrun_schemaget_lossrun_exampleexplain_lossrun_fieldvalidate_lossrundraft_lossrun_request
Agent sessionlossruns.claims/mcp
  1. callget_lossrun_schema
  2. okLossRun · 13 fields · JSON Schema 2020-12
  3. callvalidate_lossrun CPP-4471820-03, valued 2026-07-01
  4. okvalid · 3 claims, 1 open · totals tie out
  5. agentValued four months after the term ended. Asking for a fresh run before the renewal submission.
  6. calldraft_lossrun_request Hargrove Cold Storage LLC, 5 years
  7. okletter drafted · to Meridian Mutual · ready to send

Questions

The short answers.

What is a loss run?

A carrier's report of every claim on a policy for a term, with paid, reserve and incurred, valued as of a stated date. Underwriters ask for one at every renewal.

How many years do underwriters want?

Usually three to five, valued recently. Open claims move after the valuation date, so markets ask for a fresh run.

How do I get a loss run?

The insured or the agent of record asks the carrier in writing. Many states set a 10 to 30 day deadline; rules vary. The draft_lossrun_request tool writes the letter.

Is the schema free?

Yes, with no key: the schema, the example, the checks and the MCP tools. Parsing documents needs an access key.

Read every loss run as data.

Request an access key for parsing documents.