Carrier loss run guide
Hiscox Loss Run Request, Step by Step
To get a Hiscox loss run, ask the agent who placed the policy, or have the insured request it, since many Hiscox small business policies are bought directly online. A new broker can send a written request with the insured's signed letter of authority, policy numbers and periods. Allow about 10 business days, varying by carrier.
| Carrier | Policy | Status | Last action |
|---|---|---|---|
| HiscoxCA 4471902 | CA 4471902 | Follow-up 1 sent | Oct 4 |
| Keystone CasualtyGLP 0088213 | GLP 0088213 | Follow-up 2 sent | Oct 9 |
| Granite State CompWC 2215560 | WC 2215560 | Acknowledged | Oct 7 |
| Bayline SpecialtyPKG 771045 | PKG 771045 | Sent | Oct 10 |
| Crestmark IndemnityUMB 30981 | UMB 30981 | Drafted | n/a |
How to request a Hiscox loss run
Five steps that work for the agent of record, a new broker with a letter of authority or the insured.
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1
Collect policy details
Get the declarations pages for each Hiscox policy from the insured: named insured, FEIN, policy numbers and policy periods for the last five years.
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2
Get a signed letter of authority
Have an officer of the insured sign a letter of authority that names your agency and lets Hiscox release loss history to you.
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3
Send to the right channel
Ask the insured whether they bought the Hiscox policy directly or through an agent. Direct buyers request loss history from their own account or customer service; for agency policies, use the agent or the channel on the Hiscox website.
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4
Follow up on a schedule
Follow up on day 3, day 7 and day 14 if no reply arrives, and confirm the current loss run channel with the carrier if the request is not acknowledged.
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5
Check the reply
Confirm every policy period is present, totals add up and the valuation date is within 90 days before you send the loss run to market.
Lines Hiscox commonly writes
- Professional liability
- General liability
- Business owners policy
- Cyber
- Small business specialty
Typical request channels
- Insured self-service account for directly purchased policies
- Broker or agent who placed the policy
- Customer service or loss run channel, as published on the carrier website
- Written request with a signed letter of authority
Channels change. Confirm the current loss run channel with Hiscox before you send.
The same process applies to every carrier. Our guide on how to request loss runs covers the full workflow, and if you are new to the document itself, start with what a loss run report is.
What to include in a Hiscox loss run request
A complete request is the fastest request. Missing policy numbers or an unsigned authorization are the usual reasons a carrier does not reply.
- Named insured exactly as shown on the Hiscox policy, plus any additional named insureds
- FEIN of the insured
- Every policy number and policy period, including prior and cancelled terms
- Number of years requested, usually five
- Lines of coverage you need (for example professional liability)
- Letter of authority signed by the insured
- Where to send the loss run: your email address or a secure upload link
- Request for a current valuation date with paid, reserved and incurred amounts
Use a ready request letter
Our loss run request letter has every field above, with a letter of authority block for the insured to sign. For workers comp history, see workers comp loss runs for the medical and indemnity detail markets expect.
The insured can usually request their own Hiscox loss runs too, which helps when a carrier is slow to answer a broker.
How LossRunReports sends the Hiscox request
One request center for every carrier. The signed letter of authority goes out with the request, and follow-ups run on day 3, 7 and 14 until the loss run arrives.
| Carrier | Policy | Status | Last action |
|---|---|---|---|
| Northfield MutualCA 4471902 | CA 4471902 | Received | Oct 4 |
| Keystone CasualtyGLP 0088213 | GLP 0088213 | Follow-up 2 sent | Oct 9 |
| Granite State CompWC 2215560 | WC 2215560 | Acknowledged | Oct 7 |
| Bayline SpecialtyPKG 771045 | PKG 771045 | Sent | Oct 10 |
| Crestmark IndemnityUMB 30981 | UMB 30981 | Drafted | n/a |
Oct 1, 9:12
Request sent to [email protected]
Oct 4, 8:00
Follow-up 1 sent automatically (day 3)
Oct 8, 8:00
Follow-up 2 sent automatically (day 7)
Oct 15, 8:00
Follow-up 3 scheduled (day 14)
Oct 21
Marked overdue, account manager notified
Replies land on a dedicated inbound address or a secure upload link. PDF, scanned, XLSX and CSV loss runs are read into one claims schema, totals are reconciled, and gaps, duplicates and valuations older than 90 days are flagged. See how the loss run software builds the five-year summary with loss ratio.
Tips for Hiscox loss runs
Many small businesses buy Hiscox policies directly, so the insured may be the fastest route.
Professional liability and cyber are typically claims made. Ask for reported claims and incidents with report dates.
A clean history still needs a letter from the carrier. Ask for a no known loss letter or a zero loss run if nothing was reported.
Collect declarations pages from the insured first, because direct policies often have no agent of record to look them up.
Hiscox loss run questions
Can an insured get a Hiscox loss run without an agent?
Yes. Policyholders who bought directly can request loss history through their account or the customer service channel Hiscox publishes.
What if the insured never had a Hiscox claim?
Ask for a loss run showing no claims for each policy period. Markets accept a zero loss run as proof of clean history.
Does a new broker need a letter of authority for Hiscox?
Yes, unless the insured requests the loss run directly and forwards it.
See your own loss run read in under a minute
Upload one carrier report or use our sample. No account needed for the first read.