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From scanned loss runs to clean claims trends.

Payments against reserves. Open against closed. Shock losses separated from frequency. Every figure cites the page it came from.

See it on your loss runsWatch a GL submission run · 2 min
Meridian Facility Services, LLCJANITORIAL / BLDG SERVICES2200 Ross Ave, Dallas, TX 75201SUB-2026-05147
Received10:22 AM
Decision-ready11:06 AM
30 claims · 2 carriers · 5 yrs
LOSS RUN · CARRIER A
Loss_Run_Carrier_A.pdf · scanned · 3 yrsLoss_Run_Carrier_B.pdf · scanned · 2 yrs
Paid$41,200
Reserves$96,800
Open7
Closed23
Year
Type
Amount
Status
Source
2024
Slip and fall
$8,400 paid
closed
Run A p.2
2023
Slip and fall
$11,200 paid
closed
Run A p.2
2023
Property damage
$2,100 paid
closed
Run A p.3
2022
Bodily injury ⚑
$61,000 reserved
open
Run B p.1
2022
Slip and fall
$9,600 paid
closed
Run B p.1
Slip-and-fall frequency — 4 in 3 yrs · one shock loss separated
30 claims across 2 carriers · 5 yrs · every figure cited to page
Loss-run extraction across multiple carriers, scanned PDFs included
Frequency separated from severity, shock losses called out
Every figure cited back to its source page
ACORD 125 / 126Loss run triangulationPaid vs. incurredOpen vs. closed reservesFrequency vs. severityShock lossClass code · ISO GLExposure basisPayroll / receipts / areaSchedule ratingLoss ratingACORD 125 / 126Loss run triangulationPaid vs. incurredOpen vs. closed reservesFrequency vs. severityShock lossClass code · ISO GLExposure basisPayroll / receipts / areaSchedule ratingLoss rating
SIR · minimum retentionOccurrence vs. claims-madeProducts / completed opsAdditional insuredWaiver of subrogationSubcontractor scheduleCertificates of insuranceAnti-indemnity statutesAction-over exposureVenue / jurisdictionUmbrella attachmentSIR · minimum retentionOccurrence vs. claims-madeProducts / completed opsAdditional insuredWaiver of subrogationSubcontractor scheduleCertificates of insuranceAnti-indemnity statutesAction-over exposureVenue / jurisdictionUmbrella attachment

The GL desk

Three things that slow your GL desk down.

LOSS RUN · SCAN
#
Claim
Paid
9
Slip / fall
8,400
10
Slip / fall
11,200
11
Prop. dmg
2,100
12
13
01The loss runs arrive as scans.

Multi-carrier, multi-year, often faxed. Someone re-keys thirty claims into a spreadsheet before anyone can see whether the pattern is frequency or one bad accident.

30 claims · 2 carriers · re-keyed by hand
Inbox412
RE: RE: Fwd: Meridian GL — loss runs attached (2)
Is Carrier B's run the complete 5 years?
Need indication by Thursday COB
Broker asking again
02Brokers shop every account in a soft market.

Same-day acknowledgment is table stakes. The first credible response sets the terms. Slow answers move the account.

Program guidelines — GL
Class code 5551 excluded
Minimum SIR $25k on liquor exposure
Refer revenue above $15M
Last updated Mar 2023

check w/ S. Chen — do we still write roofing subs?

03Appetite lives in people’s heads.

Class-code exclusions, minimum SIRs, subcontractor rules, revenue bands. The manual is tribal knowledge. The file holds documents, not reasoning.

The GL desk

From ACORD 125 to signed-off decision.

Every loss run parsed into a trend. Every guideline running as a rule. Every decision recorded as it happens.

Loss runs parsed into trendsSUB-2026-05147
Year
Type
Amount
Source
2024
Slip and fall
$8,400
A p.2
2023
Slip and fall
$11,200
A p.2
2022
Bodily injury
$61,000 res.
B p.1
2022
Slip and fall
$9,600
B p.1
Frequency — slip and fall, 4 in 3 yrs
Severity — $61,000 open BI, 2022
Shock loss separated from trend

Live · one submission, end to end

One loss run, broker email to decided file.

01Read
02Trend
03Flagged
04Checked
05Held
06Recorded
Meridian Facility Services, LLCSUB-2026-0514710:22 AM
ACORD_125.pdfLoss_Run_Carrier_A.pdf · scanLoss_Run_Carrier_B.pdf · scanSub_Schedule.xlsx0 claims
01Everything the broker sent, already read.

ACORD 125s in any format, multi-carrier scanned loss runs, subcontractor schedules, supplements. Parsed before anyone opens the file.

02Claims resolved into a trend.

Paid against reserves, open against closed, year by year. Frequency separated from severity, and the one shock loss separated from both.

03Conflicts and gaps flagged early.

Revenue inconsistent across documents, missing class codes, a loss-run gap. Surfaced instantly, with chase context attached while the account is still warm.

04Appetite checked line by line.

Class-code exclusions, revenue bands, minimum SIRs, subcontractor rules. Referral triggers fire before hours are spent.

05You hold the pen.

Referrals arrive with the claims trend and evidence assembled. Quote terms stay your call. Override anytime, and the why is recorded with who and when.

06Recommended, and defensible.

Every figure cites its source page. The rules that fired are versioned. The decision record exists by the time you have decided.

Every referral becomes a rule. Every rule runs on the next submission.

Explainability

Nothing on this screen is a guess.

Every figure traces to the page it came from. Every rule shows the condition it evaluated. When two documents disagree, both are shown and the choice is explained.

Annual revenue
$18,600,0001
Click any figure → the loss-run page and row it came from
Conflicting sources resolved by source-confidence profile, both values shown
A complete decision record on every risk, from arrival to bind
Meridian_FY24_Financials.pdf · p.4
Service revenue16,240,000
Other income2,360,000
Total revenue FY2418,600,000
Revenue $14,200,000ACORD_125.pdf
Audited financials preferred — source confidence 0.91 vs. broker-reported 0.72 · RES-REV-02
Revenue band changes at $15M — GL-REV-01 re-evaluated

Appetite

Built for the GL classes you write.

Artisan contractors
Trade contractors by class code. Subcontractor schedules and certificate gaps decide it.
General contractors
Sub-heavy operations. Action-over exposure and anti-indemnity venue rules.
Habitational & real estate
LRO schedules and property managers. Premises liability and tenant claims.
Retail & wholesale
Storefront and distribution. Slip-and-fall frequency, products exposure.
Hospitality & liquor
Bars, restaurants, venues. Liquor liability and assault-and-battery sublimits.
Light manufacturing
Products and completed operations tail. Recall and component exposure.
Building services
Janitorial, landscaping, maintenance. High-frequency, low-severity slip and fall.
Special events
Short-term and seasonal. Certificate management and additional-insured volume.

Venue

The loss run isn’t the only variable.

The same claim resolves differently by jurisdiction. Venue is a rating and appetite input, and it belongs in the file with everything else.

New York

Labor Law §240 drives construction severity. Action-over exposure decides sub-heavy accounts.

Construction severityAction-overHigh-severity jurisdiction
Florida

Litigation volume and reform still settling. Hospitality and habitational premises claims run hot.

Premises liabilityLitigation volumeHigh-severity jurisdiction
California

Anti-indemnity constraints limit risk transfer. Certificate and additional-insured discipline matters more.

Risk transfer limitsAnti-indemnityHigh-severity jurisdiction

Write property too?

SOV extraction, per-location enrichment, cross-document conflict flags.

See the property desk

Write cyber too?

Applications, security questionnaires, control checks, revenue bands.

See the cyber desk
2024
Slip and fall
$8,400 paid
closed
Run A p.2
2023
Slip and fall
$11,200 paid
closed
Run A p.2
2022
Bodily injury
$61,000 res.
open
Run B p.1

See it on a submission you actually write.

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