Compare loss run workflows
Sensible alternative for loss run extraction and requests
Sensible is a developer platform that turns documents into JSON through an API, billed per document. It reads loss runs you already hold, but it does not request them from carriers or give your account managers a finished loss summary. LossRunReports is the ready-to-use alternative for agencies and MGA desks. It requests loss runs with e-signed authorization, follows up on day 3, 7 and 14, extracts every claim and builds a five-year summary, from $299 a month.
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Upload a PDF, scan, XLSX or CSV to inspect the extracted claims. The reader uses OCR and extraction rules. No account needed.
Sensible and LossRunReports compared
Both read claims out of loss run documents. What differs is who builds the workflow around the extraction.
| What you need | Sensible | LossRunReports |
|---|---|---|
| Built for | Engineering teams building their own document pipeline | Agency, broker and MGA staff who handle renewals and submissions |
| Loss run ordering | None. You order loss runs elsewhere and send the files to the API. | Built in. Request letters with client authorization e-sign, a carrier directory of 30 US carriers, automatic follow-ups on day 3, 7 and 14, and secure carrier upload links. |
| Claims extraction | Loss runs document type returns structured JSON. Your team configures fields and handles exceptions. | Claim by claim from PDF, scans, XLSX and CSV into one fixed claims schema, with gap, duplicate and stale valuation checks. |
| What the user sees | No end-user screen. You build the review interface and the summary. | Review screen, five-year loss summary and XLSX, CSV and PDF exports. Agency adds loss ratio from earned premium and an editable underwriter narrative. |
| Customization | High. Define your own fields and document types. | Low by design. Loss runs and the renewal submission only. |
| API | Core product. | Enterprise includes API keys for the document extraction endpoints. |
| Pricing and limits | Free plan with 100 extractions a month. Growth is $499 a month for 750 documents. Scale is $1,499 a month for 3,200 documents. Billed per document, regardless of length. |
Broker is $299 a month or $149 a month billed yearly. Includes 50 client accounts and 300 documents a month, with 1 seat. Agency is $1,499 a month or $749 a month billed yearly. Includes 400 client accounts and 3,000 documents a month, with 1 seat. Enterprise is $4,999 a month or $2,499 a month billed yearly. Includes 2,500 client accounts and 20,000 documents a month, with 1 seat. |
Sensible figures from sensible.so pricing and comparison pages, checked October 2026.
Where each tool fits
Where Sensible is the better fit
Choose Sensible when you have developers and want one extraction platform for many document types, with fields you define yourself. If loss runs are one of ten documents you process, a general API can be the cleaner purchase.
Plan for the surrounding work. Someone builds the upload flow, the review screen, the policy-year logic and the exception queue, and someone orders the reports in the first place.
Where LossRunReports is the better fit
Choose LossRunReports when your renewal staff, not your engineers, need the answer. The request, the follow-ups, the extraction and the five-year summary are one workflow that works on the first day, with no integration project.
If you do want an API later, Enterprise exposes the document extraction endpoints, so the same account can serve both staff and systems.
What switching looks like
Start with one renewal. Keep the source reports so your account manager can review the extraction before anything goes to market.
- 1
Import your book
Bring accounts, policies and prior carriers from an AMS export, CSV or XLSX. Check the records against your renewal list.
- 2
Send requests
Have the client e-sign the authorization and send carrier requests. Follow-ups run on day 3, 7 and 14 while you track outstanding reports.
- 3
Receive carrier files
Carriers use secure upload links. You can also upload reports you already hold, whichever tool ordered them.
- 4
Review the summary
Check extracted claims, missing years, duplicates and valuations. Export the five-year summary, or build the submission package on Agency and Enterprise.
A cost example at 700 documents a month
A desk that handles about 700 loss run documents a month can compare the line items below. The extraction API alone leaves the build and the ordering to you.
Sensible Growth plus your own build
Growth is $499 a month for 750 documents, or $5,988 a year. Add ordering through a separate tool, for example Loss Run Pro Standard at $29 per user a month, plus the developer time to build the upload flow and review screen.
Developer time is the cost this comparison cannot price for you. Estimate it before choosing.
LossRunReports Agency billed yearly
Agency is $8,988 a year, equivalent to $749 a month billed yearly. It includes 3,000 documents a month, 400 client accounts, requests, follow-ups, extraction, loss ratio and the editable narrative.
One seat. Everything above works without an integration project.
Sensible alternative questions
What is Sensible?
Sensible is a document extraction platform for developers. You configure extraction for a document type, send files to its API and receive structured JSON. It has a loss runs document type, but it does not request loss runs from carriers and it does not give an agency a finished loss summary screen.
How much does Sensible cost for loss runs?
Sensible lists a free plan with 100 document extractions a month, Growth at $499 a month for 750 documents and Scale at $1,499 a month for 3,200 documents, billed per document. LossRunReports Broker is $299 a month and includes requests, follow-ups, extraction and a five-year summary.
Does Sensible request loss runs from carriers?
No. Sensible reads documents you already have. Someone must order the loss runs first, through a tool like Loss Run Pro or by email. LossRunReports sends the request letter with the client e-signed authorization, follows up on day 3, 7 and 14, and reads each report when it arrives.
What is the best Sensible alternative for loss runs?
LossRunReports is a practical alternative when you want a finished workflow for an agency or MGA desk rather than a developer API. It handles requests, extraction, gap checks and the five-year summary in one app. Sensible is the better choice if your engineers are building a custom pipeline.
Can I get an extraction API from LossRunReports?
Yes. Enterprise includes API keys for the document extraction endpoints, alongside requests, retention controls and an audit log. Enterprise is $4,999 a month, or $2,499 a month billed yearly, with 20,000 documents a month.
Is the LossRunReports reader as flexible as a custom Sensible configuration?
No. Sensible lets your team define fields and build custom extraction for any document. LossRunReports is built for loss runs and the renewal submission only, so you get a fixed claims schema with reconciliation checks and no configuration work.
Put your next renewal through LossRunReports
Use the reader above to review a report, then choose the plan that fits your loss run workload.
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