ToolDox

Core insurance workflow

Claims and Loss Run Review Workflow

Review loss runs, claims frequency, severity, open reserves, large losses, and loss ratio before renewal meetings or market submissions.

Who it helps: Risk managers, brokers, claims teams, underwriters, and finance teams reviewing renewal performance.
What it produces: Create a claims trend summary, loss run red flag list, and renewal talking points.
Country coverage: Works as a global workflow checklist with country modes for UK, US, EU, Canada, Australia, global, and other-country use.
Optional AI: Bring your own key only if you want AI help. ToolDox does not receive or store API keys.

Country mode and optional AI

Use the workflow globally, then add local context where it matters. AI is optional: bring your own OpenAI or Claude key, or copy the generated prompt into any AI tool without entering a key here.

No ToolDox key storage
Your key is not taken by ToolDox. ToolDox never receives, stores, logs, or proxies your API key. If you save it, it is saved only in this browser. When AI is enabled, the request is sent directly from your browser to OpenAI or Anthropic. You can also use Copy AI prompt and never enter a key.
Selected market note: Use neutral insurance workflow language. Avoid country-specific compliance claims and focus on data quality, renewal process, claims history, exposure, and decision support.

Continue through the workflow library

Move between connected insurance and finance journeys without returning to the hub.

View all workflows
Previous
Submission Readiness
Score renewal packs, SOVs, loss runs, and bordereaux before market review so brokers can fix missing data before underwriters ask for it.
Next
SOV Cleanup
Clean property schedules of values by checking addresses, occupancy, construction, values, duplicates, and missing underwriter fields.
Related
Renewal Prep
Prepare commercial insurance renewals by combining policy schedules, premium movement, loss runs, exposure review, and quote comparison into one practical sequence.
Related
Submission Readiness
Score renewal packs, SOVs, loss runs, and bordereaux before market review so brokers can fix missing data before underwriters ask for it.
Related
Quote Comparison
Compare insurance quotes across premium, deductible, limits, exclusions, coverage fit, claims handling, and service quality.

Workflow steps

1

Upload or structure the loss run

Bring claim date, status, incurred, paid, reserve, line of business, cause, and location into a consistent review format.

2

Separate frequency from severity

Look for frequent small claims, isolated large losses, open reserves, and recurring causes. Renewal narratives improve when these are not mixed together.

3

Compare claims to premium

Use loss ratio and premium movement to understand whether pricing pressure is tied to claim development, market movement, or exposure change.

4

Create renewal talking points

Summarize what changed, what controls improved, what claims are closed, and what risk actions should be highlighted to the market.

Tools in this workflow

Loss Run Analyzer
Upload insurance loss runs to analyze claim frequency, severity, open reserves, loss ratio, large losses, and renewal discussion points by line or territory.
Claims Analytics Dashboard
Upload claims data, track frequency and severity, and compare open claims, incurred cost, and reserve pressure by region or line of business.
Insurance Premium Change Analyzer
Compare last year versus current premium, factor in claims and policy changes, and explain the increase against inflation.
Insurance Comparison Workspace
Compare carriers across premium, deductible, coverage fit, claims handling, and service quality in one insurance comparison workspace.

Supporting guides

2026 renewal market pulse How to read loss runs Loss run red flags Claims analytics guide Explain large losses

Start the workflow

Open the first tool in the sequence, then move through the supporting tools as your data becomes clearer.

Open Loss Run Analyzer