Insurance Claims and Loss Run Controls

Insurance cost control is not only about premiums.

A large portion of cost of risk is driven by how claims are handled:

• data is incomplete or delayed
• reserves drift without review
• subrogation is not pursued consistently
• brokers and TPAs are not managed with measurable performance standards

This collection installs a beginner-safe operating system to reduce claim leakage and increase recoveries without making claims management a full-time fire drill.

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Who this collection is for

• Finance and risk leaders responsible for claim cost and renewals
• Operators who need predictable claim workflows and faster resolution
• Teams that want fewer surprises from reserves and open claims

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What you will install

By the end of this collection you should have:

• a clean loss run request and normalization workflow
• a repeatable claims intake, triage, and reserving process
• a subrogation and recovery operating system to capture money left on the table
• a broker and TPA QBR cadence with measurable KPIs
• a conservative estimate of claims savings and payback

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How to use this collection

Install in this order:

1. Loss run data request and normalization kit
2. Claims intake triage and reserving playbook
3. Subrogation and recovery operating system
4. Broker and TPA performance QBR kit
5. Claims leakage and recovery estimator

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Beginner-safe definitions

Loss run: a report of claims paid, open, and incurred for a time period.

Paid: dollars already paid out on claims.

Reserve: money set aside for expected future claim payments.

Incurred: paid plus reserves.

Subrogation: recovering claim costs from a responsible third party.