Carrier loss run guide
State Farm Loss Run Request, Step by Step
To get a State Farm loss run, the insured usually asks their State Farm agent, because State Farm sells through its own exclusive agents. A new broker sends the request through the insured, or with the insured's signed letter of authority, listing every policy number and period. Turnaround is often about 10 business days.
| Carrier | Policy | Status | Last action |
|---|---|---|---|
| State FarmCA 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 State Farm 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 State Farm 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 State Farm release loss history to you.
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3
Send to the right channel
Because State Farm writes business through its own exclusive agents, have the insured contact their State Farm agent or send the request with a signed letter of authority to the channel published on the State Farm 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 State Farm commonly writes
- Business owners policy
- Commercial auto
- Workers compensation (in states where offered)
- Commercial umbrella
- Small business property and liability
Typical request channels
- The insured's State Farm agent
- Insured self-service account
- Written request from the insured with a signed authorization
- Loss run or claims channel, as published on the carrier website
Channels change. Confirm the current loss run channel with State Farm 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 State Farm 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 State Farm 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 business owners policy)
- 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 State Farm loss runs too, which helps when a carrier is slow to answer a broker.
How LossRunReports sends the State Farm 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 State Farm loss runs
Brokers who are not State Farm agents rarely have portal access, so the fastest route is often the insured asking their own agent.
Ask the insured for their declarations pages first. Policy numbers make the request much easier to match.
Small businesses often hold the business owners policy and the commercial auto policy under different policy numbers. Request both.
Keep a copy of the signed authorization with the request date so you can show when you asked.
State Farm loss run questions
Can an independent broker request State Farm loss runs?
Yes, with a letter of authority signed by the insured. In practice the insured asking their State Farm agent is often quicker.
Does the insured need to be involved?
Usually yes. State Farm releases loss history to the insured, to their agent and to parties the insured authorizes in writing.
What if State Farm sends a claims list instead of a loss run?
A claims list with dates, amounts and status works for most submissions. Check that it shows a valuation date and covers every year requested.
See your own loss run read in under a minute
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