Every renewal demands the loss run. Now it has a schema.
A loss run is the carrier’s claims history on a policy. The three numbers inside it:
Renewal-workflow builders — brokerages, wholesalers, MGAs — retype all three at every hop. The reference is the shape they arrive in; parse, the next flip, makes them arrive typed (a flip: a pending claim posting — see the candour queue).
The field is already funded — four vendors parse these inside closed enterprise pipelines — see appendix · what kills this.
The spec serves; zero operations are callable — every operation is tagged x-status: roadmap in the spec itself, and parse is the first flip — see the candour queue.
// components.schemas.LossRun — abridged; full schema in /openapi.json
{ "carrier", "policy_number", "valuation_date",
"claims": [{ "paid", "reserved", "incurred" }] }
Reference, schema, fictional specimen, /llms.txt, /openapi.json — keyless today.
/llms.txt states it in its own words: “there is no live parser or API behind this door yet.”
The unit it replaces is the same unit the buyer pays for today — a document retyped by hand at every hop.
No figure publishes until real documents price it.
Distribution is intent until an external tool cites the spec.
The founders carry the schema to renewal-workflow builders directly — broker/MGA engineering teams, insurtech builder communities — until the design-partner gate posts.
Dialect, defined once: a door is one productized surface of the estate; a flip is a pending claim posting.
One chain, not three attributes — each cell arms the next, each behind a gate already in this deck:
The pending ledger is a queue, not a pile — the first three flips, in order:
Flip 1 — zero verbs answer; parse is the next flip. Callable is not an accuracy claim — see appendix · what kills this.
Flip 2 — no design partner is named today.
Flip 3 — the operating home is an open filing question; ratified before any capital close.
What would kill this door: appendix · what kills this.
The reserved-line doctrine here was earned building api.insure’s typed claim surface; the parse build is owned by the team that shipped the spec.
A third co-founder currently leads AI at a public insurtech and joins at close.
api.insure serves today — reserved line typed PENDING_ADJUSTER.
gigs.claims recruits founding adjusters today.
Every posted receipt on this deck resolves inside the estate — deliberate at this stage; the first evidence outside our own control is the independent-citation gate — see the motion slide.
Principals are named at the studio layer, not in public decks — data room requestable today (see the Ask).
A loss run is the carrier’s point-in-time report of every claim on a policy, valued as of one stated date — every figure is true as of the valuation date only. It moves markets because a new carrier prices the incumbent’s report, never the insured’s own account. Getting one is a rights question with a clock: the carrier produces it on written request from the insured or the producer of record, and many US states set a statutory production deadline — confirm your state’s rule before relying on a number.
| verb | does | status |
|---|---|---|
| parse | PDF or AL3 in, typed schema out | roadmap — typed in spec, next flip |
| normalize | many carrier formats into one shape | roadmap — filed in /llms.txt |
| request | the letter, with the state’s clock | roadmap — filed in /llms.txt |
| watch | renewal dates fire requests early | roadmap — filed in /llms.txt |
Nothing above is callable today. The spec is served; parse is typed in it and tagged x-status: roadmap; the other three verbs are filed ROADMAP in /llms.txt and enter the spec as they are typed. This flips posted per operation — parse first, against the door’s fictional specimen.
The machine-readable kit serves: /llms.txt answers today in plain text — the definition, the schema, and the honest status of everything, including, in its own words, “there is no live parser or API behind this door yet.”
The MCP surface — parse_lossrun, get_lossrun_schema, draft_lossrun_request — is documented on the door before it exists. It posts when the endpoint serves the protocol, tools listable — today /mcp merely redirects to the landing page.
Request letters drafted with the statutory clock attached, renewal watch that fires them early, and the produced documents landing back through parse into typed history. Posts as fact when a real renewal has run through it, with the record in evidence.
A parsed loss run is a real business’s claims history, and it belongs to the customer — held to serve the parse, not resold, and a training corpus only with the customer’s written opt-in, never otherwise. Posts as published terms when the parse surface goes live.
No verb on this door is a reserved act: reading, typing, normalizing, and requesting a loss run are open, data-tier work — so nothing here waits on a license, and nothing here pretends to exercise one. Deciding a claim — approve or deny — is a licensed adjuster’s act; it lives behind the reserved line at api.insure, where a claim waiting on a license is typed PENDING_ADJUSTER, never an untyped queue. Automation that blurs who decided a claim is how carriers end up in bad-faith litigation.
The regulatory perimeter is a stated position, not a proof: the door states no reserved act sits in the open path. It posts as reviewed fact when the state-by-state open-tier review is published on the door.
Four doors — the estate’s productized surfaces — one per grain of entry:
The studio door serves: do.industries answers today as the studio masthead — “Business-as-Code,” the full stack this portfolio is built on.
agents, per claim
the demand rail
licensed adjusters
the supply door
the team with a book
the batch surface
the document itself
the artifact door
Sibling artifact doors on the live footer — acords.co, eobs.claims — each with its own record filed in this studio: record first, deck from the record.
The live surface already files itself in /llms.txt as an artifact door of the api.insure estate — that line is on the public record today. The operating entity posts there when the assignment is ratified; intent of record is ratification before any capital conversation closes, per the studio’s entity-graduation discipline.
Demand gets its own row: no design partner is named today, and every other gate here is a governance milestone. This posts when a named renewal-workflow design partner is building against the schema, in the record.
No principal is named in this public record — deliberate policy across the estate’s public decks, not absence. Principals are named at the studio layer; this posts when the data room does. A qualified investor can request it today: hello@api.insure — the door’s posted early-access inbox, subject prefilled — or do.industries.
Counting basis: tallies count ledger rows; a row serving both the main read and this record is entered in both.
If this was forwarded to you: lossruns.claims is the reference for the loss run — the carrier-issued claims history every commercial renewal waits on — published as a free, keyless typed schema, with the callable surface built in the open and labeled roadmap until it is real. Every claim above carries its own state and evidence. If you build renewal workflows on loss-run PDFs, read the schema and get early access. If you know who does: forward this.