Glossary · Sales & procurement
Loss Runs
A claims-history report from an insurance carrier listing past claims, payouts, and reserves — required for accurate PEO and workers' comp quoting.
All terms
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Loss runs are carrier-issued claims-history reports for workers' compensation, general liability, or health (where available). PEOs and underwriters use them to assess risk and price the workers' comp portion of a quote.
Most PEOs require 3–5 years of loss runs as part of the underwriting package. Missing or stale loss runs are one of the most common reasons quote turnaround stalls.
Related terms
- Workers' CompensationState-mandated insurance covering employee injuries and occupational illness. Premiums are class-coded by job duty.
- Experience Modification (E-Mod / X-Mod)A multiplier applied to workers' compensation premium that reflects an employer's claims history relative to industry peers.
- RFP (Request for Proposal)A structured solicitation document used by buyers to request comparable proposals from multiple PEOs.
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