Solution Overview · Loss Run Analysis
Transform Loss Run Chaos into Underwriting Clarity.
AI-powered loss run analysis, extraction, normalization, and intelligence built for Commercial P&C underwriters and MGAs who need speed, accuracy, and insight without the manual grind.
4×
Time Saved on Extraction
10×
Scale vs. Manual Process
95%+
Extraction Accuracy
200+
Term Variants Normalized
Why It Matters
Loss History is the Underwriter's Crystal Ball.
Every claim in the past tells a story about the risk ahead. But loss runs are the most critical document in Commercial P&C underwriting that arrive in dozens of carrier formats, filled with inconsistent terminology, buried in PDFs and emails, and requiring hours of manual extraction before a single insight can be drawn.
For MGAs managing hundreds of renewals, the burden compounds. For carriers pricing complex commercial risks, the cost of a missed red flag is measured in loss ratios.
Exasure Loss Run Analysis - an AI-native loss run intelligence platform that ingests, extracts, normalizes, and analyses loss run data at scale, delivering underwriting-ready insight in minutes.
The Problem
Critical Data. Broken Process.
Loss runs are irreplaceable but, the process of working with them is broken. Underwriting teams spend majority of their time on extraction and normalization before any analysis can begin.
What Slows Teams Down
- Format fragmentation - every carrier uses a different PDF or Excel template
- 60–80% of analyst time consumed by manual extraction and normalization
- Inconsistent terminology (loss paid vs. claim paid, incident date vs. accident date) leads to errors
- Pattern analysis, red flag detection, and propensity scoring skipped under time pressure
- MGA renewal sweeps consume entire underwriting teams for weeks
- Senior underwriter bandwidth wasted on data tasks, not risk decisions
The Cost of Doing Nothing
- Missed red flags translate directly into adverse loss ratio outcomes
- Delayed renewals erode broker relationships and hit ratio
- Manual bordereaux assembly creates compliance risk and rework
- Book-level portfolio view is impossible at manual scale
- Underwriter burnout drives talent attrition in a tight market
- Carrier compliance pressure intensifies as delegated authority tightens
Still losing hours to manual loss run extraction?
Talk to a Solution ExpertThe Solution
Loss Run Analysis - An End-to-End AI Loss Run Intelligence.
Loss Run Analysis is an AI-native platform purpose-built for commercial insurance loss run processing. It handles every stage of the workflow, from multi-format document ingestion through AI extraction, terminology normalization, threshold validation, red flag detection, and bordereaux-ready output with human-in-the-loop review precisely where it matters.
Ingest - Any Format, Any Carrier
PDF loss runs, Excel summaries, email tables, NKORL letters - It accepts every document type from every carrier without manual preparation or template configuration.
Extract & Normalize. One Clean Schema
AI maps over 200 terminology variants to a unified data schema eliminating the inconsistency that causes downstream underwriting errors. Every date, every claim field, every policy period is standardized.
Analyse & Detect. Intelligence, Automated
Pattern analysis, red flag detection, propensity scoring, actuarial ratio calculation, all computed automatically. Surfaces the insights that matter without requiring a senior underwriter to manually review every file.
Scale from One Account to an Entire Book
Process a single account or an entire book of business in one run. Bulk batch processing, renewal sweep automation, account aggregation across LOBs, and bordereaux-ready exports, all at MGA scale.
How It Works
Intake to Output. The Complete Flow.
Loss Run Analysis operates across nine workflow stages, fully automated for high-confidence documents and precision-routed to human review for exceptions. Steps 1–5 run 24/7 without human touch. Steps 6–9 bring human judgment in precisely where it adds value.
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01
Ingest
Any format, any carrier - PDF, Excel, email tables, NKORL letters
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02
Classify
AI identifies carrier, template, LOB, and document type automatically
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03
Extract
OCR + LLM pulls all claim fields with per-field confidence scoring
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04
Normalize
200+ term variants mapped to a unified, consistent data schema
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05
Validate
Threshold and business rule checks applied with Green / Amber / Red scoring
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06
Exception
Breaches and low-confidence records routed to escalation and HITL queue
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07
HITL Review
Human verifies flagged records; corrections feedback as training data
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08
Analyse
Ratios, propensity scores, red flags, and patterns computed automatically
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09
Output
Reports, dashboards, bordereaux exports, and downstream system delivery
Accuracy: 95%+ with HITL verification on low-confidence fields. Automated steps run 24/7.
Platform Capabilities
Everything an Underwriter Needs. Automated.
Universal Document Intelligence
- PDF loss runs with any carrier template, any layout
- Excel loss summaries and full run files
- Email tables and one-liner confirmations
- NKORL letters - auto-recognized and processed
Normalized Loss Data Schema
- 200+ terminology variants mapped to one clean schema
- Consistent date fields - accident / incident / loss date unified
- Policy period normalization and multi-year consolidation
- Multi-LOB aggregation per insured
Pattern & Risk Intelligence
- Claim frequency and severity trend analysis
- CAT vs. operational loss segregation
- Inflation-adjusted loss trending
- 8-point red flag alert system
Actuarial Metrics Engine
- Loss Ratio, Combined Ratio, Expense Ratio computed automatically
- IBNR estimation indicators surfaced for actuarial review
- Contingent commission tracking for MGAs
- Bordereaux-ready export formats on demand
AI Prediction & Recommendations
- Claim propensity scoring per account. AI-predicted likelihood of future claims
- Safety and loss prevention recommendations
- Risk profile improvement suggestions
- Underwriting guideline alignment alerts
Bulk Batch & MGA-Scale Processing
- Renewal sweep automation triggered 90 days before renewal for every account
- Process up to 10,000 files per batch via portal, SFTP, API, or email
- Account group, LOB-level, or full book sweep processing modes
- Parallel processing in isolated containers with batch completion reporting
Underwriter Intelligence
Red Flags That Define Insurability.
Loss Run Analysis automatically detects the eight risk signals that define how an account is underwritten that take experienced underwriters hours to identify manually.
Frequency Spikes
Sudden jump in claim count in recent years signals worsening risk conditions or deteriorating operational controls.
Large Open Reserves
Significant outstanding reserve amounts that could materially increase total incurred, a direct hit to loss ratio.
Claims Open Too Long
Large gap between reported date and close date may indicate suspicious, complex, or litigated claims.
Late-Reported Claims
Long lag between loss date and report date signals poor internal claims management culture.
Subrogation Patterns
Multiple subrogated claims indicate recurring third-party liability exposure requiring coverage review.
Severity Trends
Increasing claim costs over time, even with stable frequency is a social inflation signal.
Litigation Concentration
High litigation rate indicates potential fraud tendencies or systemic risk management weakness.
CAT vs. Operational
Separating catastrophic losses from chronic operational losses prevents averages from masking recurring problems.
Identifying these patterns manually takes hours per file. Loss Run Analysis surfaces all eight in seconds.
Validation Engine
Data Validated Against Underwriting Thresholds.
Every account processed by Loss Run Analysis is scored against a configurable set of underwriting thresholds - Green, Amber, and Red that trigger automated approval, analyst review, or senior underwriter escalation.
| Metric | Green ✓ | Amber ⚠ | Red ✘ | UW Action |
|---|---|---|---|---|
| Loss Ratio | < 60% | 60–75% | > 75% | Reprice / Refer |
| Combined Ratio | < 95% | 95–105% | > 105% | Senior UW Referral |
| Claim Frequency (5yr) | ≤ 2 claims | 3–5 claims | ≥ 6 claims | Risk Control Mandate |
| Large Loss (>$50K) | 0 | 1 | ≥ 2 | Sublimit / Exclusion |
| Open Reserve % | < 20% | 20–40% | > 40% | Higher Deductible |
| Late Report Lag | < 30 days | 30–60 days | > 60 days | Claims Management Review |
| Litigation Rate | < 5% | 5–15% | > 15% | Exclusion Pricing |
| CAT Loss Count | 0 | 1 | ≥ 2 | Capacity Review |
All thresholds are fully configurable per carrier, MGA, program, or account.
Who We Serve
Built for MGAs, Carriers, and Brokers.
Managing General Agents (MGAs)
The primary beneficiary of Loss Run Analysis. MGAs operate on delegated underwriting authority - monthly and quarterly Claims Bordereaux, contingent commissions tied to loss ratios, and renewal sweeps requiring years of loss data per account across hundreds of policies.
- Batch renewal processing for entire book in hours, not weeks
- Bordereaux-ready exports for carrier compliance every cycle
- Multi-LOB aggregation per insured for true total cost of risk
- Contingent commission tracking built into the analytics layer
Small-Mid Size Carriers
Modernize underwriting workflows, reduce manual labor costs, and improve pricing accuracy across commercial P&C lines without adding analyst headcount to absorb volume growth.
Brokers
Complex, non-standard risks with inconsistent documentation benefit most from AI normalization. Loss Run Analysis ensures complete, accurate loss history is available for every submission, regardless of how the loss run arrived.
The Transformation
Before and After Loss Run Analysis.
Without Loss Run Analysis
- Hours of manual data entry per account
- Inconsistent terminology causes downstream errors
- Pattern analysis skipped under time pressure
- Siloed account review, no book-level view
- Senior underwriters bogged down in admin work
- Renewal sweeps take entire teams, weeks
- Carrier bordereaux assembled manually
With Loss Run Analysis
- Minutes of automated extraction and normalization
- 200+ variants normalized to one consistent schema
- Instant pattern detection and red flag identification
- Full portfolio view on demand, any LOB, any account group
- Analysts focused on decisions, not data gathering
- Batch renewal processing in hours. Auto-triggered at 90 days
- Compliance-ready exports generated automatically, every cycle
Business Value
Why Carriers and MGAs Choose Exasure Loss Run Analysis.
4×
Time saved on extraction & normalization
10×
Scale vs. manual processing capacity
95%+
Extraction accuracy with HITL verification
- Carrier Compliance Ready - bordereaux exports every cycle
- 100% Format Coverage - any carrier, any template, any document type
- Increased Hit Ratio - faster turnaround, more quotes submitted
- Book-Level Portfolio View - program analytics for capacity providers
- Proactive Renewal Management - auto-triggered 90 days ahead
- Configurable Thresholds - per carrier, MGA, program, or account
- Reduced Underwriter Burnout - decisions, not data entry
- Seamless Integration - PAS, DMS, UW workbench, bordereaux, data lake
Why Exasure
Insurance-Native Intelligence, Delivered by Experts.
Loss Run Analysis is built and delivered by Exavalu - a global insurance technology consulting firm founded by insurance industry veterans with 16+ years of domain depth across carriers, MGAs, and specialty lines.
- Purpose-built for Commercial P&C loss run workflows and not a horizontal AI tool adapted to insurance
- Configurable per carrier, MGA, program, and line of business and not one-size-fits-all
- Insurance domain expertise embedded in every threshold, every red flag, every normalization rule
- HITL reviewer portal with side-by-side extraction view, field-level confidence, and full audit trail
- Guidewire, Origami, Duck Creek, and insureMO integration - PAS-agnostic by design
- Continuous learning - every human correction improves model accuracy over time
- Human-in-the-loop architecture that keeps underwriters in control while AI handles the volume
- Deployed as SaaS, cloud-native, API-first, and enterprise-grade security
Ready to see Loss Run Analysis on your own loss runs?
A short conversation with our solution experts to confirm fit with your PAS, your underwriting thresholds, and your book mix.
Talk to a Solution ExpertFrequently Asked Questions
Common Questions.
Loss Run Analysis accepts PDF loss runs from any carrier template, Excel loss summaries, email tables, one-liner confirmations, and NKORL letters. No manual template configuration is required.
Loss Run Analysis maps over 200 terminology variants including variations in claim status labels, date field names, and loss category terminology to a single unified data schema. Normalization is applied consistently regardless of carrier source.
Low-confidence fields are routed to the HITL reviewer portal, where analysts review the original document alongside the AI extraction side-by-side, confirm or correct field values, and submit the reviewed record. Corrections feedback as training data.
Yes. Supports bulk batch processing via portal, SFTP, API trigger, or email ingestion with parallel file processing and batch completion reporting across account groups, LOBs, or the full book.
All thresholds like loss ratio, combined ratio, claim frequency, open reserve percentage, large loss count, late report lag, litigation rate, and CAT loss count are fully configurable per carrier, MGA, program, or individual account.
Yes. It exposes REST APIs and webhooks for integration with Policy Administration Systems, Document Management Systems, Claims Systems, UW workbenches, CRM/Broker portals, and carrier bordereaux delivery.
Loss Run Analysis automatically triggers a loss run processing sweep for all accounts with upcoming renewals, configurable to activate 90 days before the renewal date. The sweep collects, processes, and delivers loss run analysis without manual initiation.
Loss Run Analysis delivers 95%+ extraction accuracy across document types, combining OCR and LLM-based field extraction with HITL verification for low-confidence records.
Ready to Transform Your Loss Run Process?
See how Exasure Loss Run Analysis eliminates manual extraction, surfaces risk intelligence, and scales your underwriting operation without adding headcount.