---
title: "Can you get an E&S insurance quote without loss runs?"
description: "What retail agents can send when loss runs are missing, a business is new or prior operations were uninsured, and which questions remain with the market."
metaTitle: "E&S Insurance Quotes Without Loss Runs | Nomos"
metaDescription: "Missing loss runs? Prepare a useful E&S review with a scenario table and request checklist, while keeping initial appetite review separate from a quote."
author: tobias
publishedDate: 2026-09-11
category: Wholesale FAQ
tags: [loss-runs, submission-process, e-and-s, new-ventures, retail-agent]
relatedCovers: [general-liability, commercial-property, commercial-auto]
relatedIndustries: [general-contractors, trucking, bars-taverns]
sources:
  - label: "Amwins Access — contractors submission requirements"
    url: "https://www.amwins.com/products/contractors"
  - label: "Amwins Program Underwriters — roofing contractors submission requirements"
    url: "https://www.amwins.com/products/roofing-operations"
  - label: "CRC Group — property submission best practices for small and middle market accounts"
    url: "https://www.crcgroup.com/Tools-Intel/Specialty-Tools-Intel/property-submission-best-practices-for-small-middle-market-accounts"
faq:
  - question: "Can an E&S account review begin before loss runs arrive?"
    answer: "An initial account discussion can begin with the operating facts, requested coverage, known loss information and an explanation of missing records. The market decides whether it can proceed to a quote and what documents are required."
  - question: "What can a new venture provide when it has no loss history?"
    answer: "Provide the actual start date, planned operations, owner experience, projected exposures and any relevant predecessor-business or prior-operation information requested by the application. Explain that insurer loss runs do not exist for periods before the business operated."
  - question: "Can a loss summary or no-loss statement replace insurer loss runs?"
    answer: "Not automatically. Label a summary by its source and date, disclose known claims and missing periods, and ask the market whether it will accept that information. A no-loss statement is not inherently equivalent to an insurer's claims record."
  - question: "What if the loss runs remain unavailable?"
    answer: "Document the requests and missing policy periods, provide the information you can substantiate, and ask the wholesaler to obtain a market decision on whether further review or quoting is possible. Keep the client informed if the records prevent a quote."
draft: false
---

The application is ready, but one prior insurer's loss runs have not arrived. The producer has a renewal date to meet and a client asking whether another market is possible. Holding the entire file until the last attachment arrives can leave little time to answer that question.

Before sending it, identify what is missing. An insured business waiting for records, a genuinely new venture and an established business that operated uninsured have different histories. Writing “no loss runs” for all three hides the information the next reviewer needs.

## Can a market quote without the records?

Sometimes, but it is a market-specific underwriting decision. **An initial E&S account discussion can begin while loss runs are outstanding; that does not establish that a quote can be issued without them.** Explain the operations, requested coverage, known losses and missing periods, then ask which requirements apply to that account.

Published requirements illustrate the differences. [Amwins Access's contractors page](https://www.amwins.com/products/contractors) requests three to five years of currently valued loss runs. Its separate [roofing contractors program](https://www.amwins.com/products/roofing-operations) specifies five years valued within the preceding 90 days and additional details for certain losses. These are examples from those programs, not a universal E&S rule or a statement of Nomos's access.

Ask for both the required policy periods and the acceptable valuation date. A complete set of old reports may still need updating. Conversely, a new business cannot supply insurer records for years before it existed; that needs an explanation and an underwriting decision.

[Send the file](mailto:submissions@nomos-insurance.com) · submissions@nomos-insurance.com · [Get appointed](https://nomos-insurance.com/get-appointed/)

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## First, describe the right scenario

| Situation | What to tell the reviewer | What to prepare |
| --- | --- | --- |
| Previously insured; records outstanding | Identify the insurers, policy periods and requested reports. State which records have arrived. | Available runs, request dates, current request status and a factual summary of known losses. |
| Genuinely new venture | State when operations begin and whether related or predecessor operations exist. | Owner experience, operations, projected exposures and answers to the application's history questions. |
| Established business; uninsured period | Identify when the business operated and which dates lacked coverage. | Coverage timeline, reason for the gap, prior work and known incidents or claims. |

The third row needs particular care. “No insured claims record” does not establish that no incidents occurred. For a contractor, ask about work performed during the uninsured period and explain that history in the submission. Our [contractor guide for no prior coverage or a lapse](/resources/contractor-insurance-no-prior-coverage/) covers those scenarios separately.

If the business changed its name, legal entity or ownership, explain the change and identify which entity the supplied records concern. Do not silently attach a predecessor's experience as though it belongs to the applicant, or assume a newly formed entity has no relevant operating history.

## Build a loss-information request checklist

Use the following checklist for the account record and your next message to the wholesaler. It organizes what is known without presenting an agent-created summary as an insurer report.

- **Applicant and operations:** Record the legal name, relevant prior names, locations, business start date and coverage being sought.
- **Prior insurance:** List each insurer, policy number, coverage line and policy period. Mark uninsured dates explicitly.
- **Documents requested:** Identify the loss runs needed for each period, the required valuation date if known, and any missing pages or schedules.
- **Request status:** Record when the request was made, who received it, any authorization requested, the promised delivery date and the next follow-up date.
- **Available information:** Attach reports already received. Label other information by source and date, including statements supplied by the insured.
- **Known matters:** Describe known claims or incidents factually. Include available dates, status and amounts, and identify anything that remains unconfirmed.
- **Next decision:** State the requested effective date and ask what can proceed now, what blocks a quote and who will resolve the outstanding item.

Keep reported paid amounts and reserves separate when they are available. If the client's recollection differs from the insurer's record, flag the difference and request clarification. Do not edit the report to make the accounts match.

For property risks, [CRC's submission guidance](https://www.crcgroup.com/Tools-Intel/Specialty-Tools-Intel/property-submission-best-practices-for-small-middle-market-accounts) emphasizes open losses, mitigation measures and complete account information. A short factual explanation of corrective work can add context to a record; it does not remove the loss from it.

## What a loss summary can and cannot do

A summary lets the reviewer understand the information currently available. It should say who supplied it and when. “The owner reports no known claims as of September 11” identifies a source and a date. “Clean loss history” suggests a conclusion that the missing records may not support.

Ask the market whether it will accept a summary for initial review, require insurer reports before quoting, or consider another specifically identified document. A signed no-loss statement is not automatically a substitute for loss runs. Read what the statement asks the insured to confirm and the period it covers; do not request a signature on language that conflicts with known facts.

For a new venture, provide the experience and operating information the application requests. For an uninsured business, disclose the uninsured period and known matters instead of creating a zero-loss report. Where relevant, include prior-business history with a clear explanation of how it relates to the applicant.

## When the effective date is close

Keep the record request and the appetite discussion moving together. Give the wholesaler the deadline and ask for a defined next decision: can the market review what is available, what still prevents a quote, and when will it respond?

If records remain unavailable, preserve the request history and ask for an explicit answer on whether the submission can continue. Tell the client which step is unresolved. A market reviewing an incomplete file has not confirmed coverage, and an approaching renewal date does not waive its requirements.

The supporting detail should match the risk. Our [California trucking loss-history guide](/resources/california-trucking-insurance-loss-history/) connects losses to drivers and operating facts. The [bar and restaurant submission checklist](/resources/bar-restaurant-liquor-liability-submission-checklist/) adds sales mix, hours and current terms to the initial discussion.

To start with Nomos, follow the [account submission guide](/resources/how-to-submit-an-account-to-nomos/). Send the materials available today, identify missing records in the email, and state the question you need answered before the next client conversation.