Hartford Workers Compensation Loss Run Request: What to Expect and How to Prepare

What a Hartford Loss Run Request Covers

A Hartford workers compensation loss run request pulls the claim history tied to a specific policy period or policy number. The report typically includes incurred losses, paid amounts, reserves, and open claims, organized by accident year. Loss runs are used by brokers, underwriters, and business owners to evaluate premium changes, assess exposure, and prepare for renewal or audit. If you are requesting a loss run for a Hartford policy, confirm whether you need a standard loss run or a detailed schedule with individual claim notes.

Information You Will Need to Provide

Hartford typically requires the policy number, the insured's legal name as it appears on the policy, and the specific policy period or years requested. Some requests also ask for a Federal Employer Identification Number or the Hartford account number if one is assigned. If you are a broker requesting on behalf of a client, confirm whether Hartford requires a signed authorization or a broker of record letter before releasing the loss run.

How to Submit the Request

Loss run requests are often handled through your appointed broker, who can submit the order directly to Hartford's underwriting or claims team. Business owners can also contact Hartford's commercial support line or their assigned agent to initiate the request. When submitting, specify whether you need the loss run in PDF, Excel, or carrier-delivered format, and confirm the delivery method, such as secure portal, email, or mail.

What to Check Once You Receive the Loss Run

Review the loss run for accuracy in three areas: dates and policy periods match the years you requested, claim amounts include both paid and incurred figures with reserves, and the list of claims matches the policies you expect to see. Look for any claims that appear miscategorized or open claims that should have been closed, as these can skew your experience rating and future premium calculations.

Why Loss Run Accuracy Matters for Hartford Policies

Hartford uses the data in loss runs to inform underwriting decisions, experience mod adjustments, and renewal pricing. Errors in the loss run, such as incorrect claim status or missing reserves, can lead to unexpected premium increases or audit findings. If you spot discrepancies, notify your broker and Hartford's underwriting team promptly so the record can be corrected before it affects pricing or reporting.

When to Request a Loss Run

Request a Hartford loss run before renewal so you have time to review and challenge any inaccuracies. You may also need a loss run when applying for new coverage, adjusting deductibles, or evaluating a new insurance market. Keeping current loss runs on file helps you track claim trends year over year and make informed decisions about your workers compensation program.