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Loss Run Report Analysis Calculator
Loss runs analysis informs insurance renewal pricing negotiations.
3-yr avg loss ratio
0.59%
3-yr total losses
$355,000
Renewal outlook
Stable
How the math works
3-yr total = sum. Avg loss ratio = avg annual / premium.
($120k + $85k + $150k) / 3 = $118k avg / $200k = 59% loss ratio. Stable renewal outlook.
How to Use
- Enter 3-year loss totals.
- Enter annual premium.
- Enter industry benchmark loss ratio.
- Read loss ratio and renewal indicator.
Frequently Asked Questions
Loss run contents?
Each claim number. Date of loss. Date of notification. Claim type. Paid amount. Reserved amount. Closed/open status. Subrogation status. 3-5 year history standard. Insurers review at renewal.
Loss ratio?
Losses incurred / premium. Industry benchmark 45-65%. Above 65%: premium increase likely. Above 100%: carrier loses money, premium substantial increase. Below 40%: could negotiate reduction.
Presentation strategy?
Exclude open reserves (not yet paid). Highlight claim management (fast closure). Show corrective actions taken. Benchmark against industry averages. Request multiple carrier quotes. Professional broker adds 10-20% premium savings.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
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