1. automotive and vehicles
2. commercial vehicles

LexisNexis C.L.U.E. ® Commercial
How to Read
March 2012
INS0054
LexisNexis C.L.U.E. ® Commercial How to Read
March 2012
ALL NAMES IN THE TEXT OR ON THE SAMPLE REPORTS SHOWN IN THIS DOCUMENT ARE OF
FICTITIOUS PERSONS AND ENTITIES. ANY SIMILARITY TO THE NAME OF ANY REAL PERSON,
ADDRESS, SCHOOL, BUSINESS, OR OTHER ENTITY IS PURELY COINCIDENTAL.
LexisNexis and the Knowledge Burst logo are registered trademarks of Reed Elsevier Properties Inc., Used under
license. C.L.U.E. is a registered trademark of LexisNexis Risk Solutions Inc. Other products and services may be
trademarks or registered trademarks of their respective companies.
C opyr ight © 2012 L exisNexis. A ll r ights r eser ved.
C.L.U.E.® Commercial How to Read
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Table of Contents
Introduction ..................................................................................................................................................
Sample ..........................................................................................................................................................
Search Criteria Section .................................................................................................................................
Claim Match Summary Section ...................................................................................................................
Account Claim Summary Section ................................................................................................................
Line of Business Claim Summary Section ...................................................................................................
Claim Details ................................................................................................................................................
Additional Open Claims Section ..................................................................................................................
Appendix A: Policy Type .............................................................................................................................
Appendix B: Cause of Loss ..........................................................................................................................
Glossary ........................................................................................................................................................
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Introduction
LexisNexis C.L.U.E.® Commercial is a new contributory database for commercial lines claims that can
significantly reduce underwriting expenses through the efficient and automated delivery of real time,
electronic commercial claims information. Contributions to the database include claims from the standard
commercial lines – BOP, Package, Commercial Auto, Workers’ Compensation, and Umbrella lines, and will
provide carriers with information on claims for business and commercial property addresses. Only carriers
that contribute their claims information are able to order reports from the database.
By ordering a C.L.U.E.® Commercial report, commercial carriers can eliminate the manual process of
collecting loss history runs. In addition, they will not only see claims from the most current carrier, but may
also see claims from other past carriers.
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Sample
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Search Criteria Section
This section includes a summary of the results as well as the input data from the inquiry.
[1]
Case/Quoteback ID: The quoteback for a C.L.U.E. Commercial report matches the report to your quote submission or
policy. Often the quoteback used is the quote/policy number, but can be any value you designate. Because you may need
to match one C.L.U.E. Commercial report to multiple lines of business, you may enter up to five quotebacks.
[2]
Reference Number: This uniquely identifies the C.L.U.E. Commercial report using a LexisNexis generated number.
Refer to this number when you call the LexisNexis Support Center with questions regarding a report.
[3]
Line of Business Requested: This reports the requested line(s) of business for the order. It may display up to four lines of
business: Business Insurance, Small Business, Commercial Auto, and Workers’ Compensation.
[4]
Additional Line of Business Included: This can result in two conditions. 1) When “Business Insurance” line was
requested (no Small Business indicated), a search for Small Business claims is always performed. If Small Business
claims were found, Small Business will be shown here. 2) If Small Business was requested (no Business Insurance
indicated) and Business Insurance claims were found, Business Insurance will show here.
NOTE: Condition number one is always searched. Condition number two is an account set up option. Contact your
LexisNexis National Account Manger or Customer Manager if you have questions.
[5]
Reporting Period: This returns the date entered on the C.L.U.E. Commercial inquiry form on which all data is organized
for reporting purposes in the C.L.U.E. Commercial report. For example, if you entered 7/1/2011 for the reporting period,
you would receive losses from 7/1/2006 to 7/1/2011. Claims are only provided based on the reporting period. In the 7/1/
Copyright © 2012 LexisNexis. All rights reserved.
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2011 example, if a claim occurred on 7/2/2011, it would not be shown. If you have requested to receive additional open
claims over the reporting threshold, a message will be reported if claims were or were not found.
NOTE: Additional years can be searched for both open and/or closed claims up to ten years at a nominal additional
investment. Contact your LexisNexis National Account Manager.
[6]
Search Type: This specifies the type of searched used for the report. Search requirements are as follows:
- Name & Address requires a minimum of one subject and one primary address.
- Location requires a minimum of a subject name, and a primary address although subject name is not used as part of
the search.
- Policy Number requires a minimum of one prior policy number and a business/subject name.
[7]
System Messages: This provides a message indicating the status of the search. For example,
The report request processed successfully.
The Report request resulted in an error.
[8]
Inquiry Result: This returns additional details for the results.
If on your report, item 7 above indicates “The report requested processed successfully” you will always see either
item A or item B below. If your company's account set up requires claims reporting for longer than the standard five
years, you will always see either item C or item D below in addition to A or B.
If your company recently ordered this report and has requested a new report, item E will also be reported.
If your company does not contribute all lines of business and you try to order a line of business your company does
not contribute, you will receive any one or more of the items F through item I below.
NOTE: If your company orders more than one line of business and your company does not contribute all the lines you
requested, rather than not processing the entire request, LexisNexis will search on the eligible lines of business and may
return any of the following:
A. Claim(s) Found
B. No Claims Found
C. Additional Open Claim(s) Found
D. Additional Open Claims Not Found
E. Secondary Report
F. Account is not authorized for access to Business Insurance claims. Request for Business Insurance was not processed.
G. Account is not authorized for access to Small Business claims. Request for Small Business was not processed.
H. Account is not authorized for access to Commercial Auto claims. Request for Commercial Auto was not processed.
I. Account is not authorized for access to Workers’ Compensation claims. Request for Workers’ Compensation was not
processed.
If on your report, item 7 above indicates “The report requested resulted in an error” you will receive one or more of the
error messages below.
A. The C.L.U.E. Commercial database is temporarily unavailable for processing.
B. Insufficient data was entered to conduct search; request not processed.
C. Invalid LexisNexis Account Number; request not processed.
D. More than 5 names and/or more than 5 addresses received on the inquiry; request not processed. Resubmit with a
maximum of 5 names and/or 5 addresses.
E. Policy Effective date is greater than 180 days in the future; request not processed.
F. Line(s) of Business requested are not allowed for this account; request not processed.
G. Policy Effective Date(s) is invalid. Resubmit with a valid date.
Copyright © 2012 LexisNexis. All rights reserved.
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Claim Match Summary Section
This section is only reported if claim(s) were found. This section allows you to review all the policy names
and addresses that matched the name(s) and address(es) entered on your inquiry order form. Because of the
advanced matching techniques employed in C.L.U.E. Commercial, if you see a claim matched to a named
insured that doesn’t appear to be similar to the inquiry, there is one possible reason.
After C.L.U.E. Commercial finds a claim that matches your name(s) and address(es) inquiry, the carrier’s
AM Best number and policy number is used to search the remainder of the database. If other claims with the
same exact policy number and AM Best carrier number are found, the claim is reported. If the insured
changed name(s) or address(es) in their five year history, it may not appear to be a match, because the same
carrier wrote the insured on the same exact policy number.
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Account Claim Summary Section
This section reports whenever more than one line of business was searched and at least one claim was found.
If there is only one line of business, this section will not appear.
[9]
Lines of Business: Each line of business searched will be reported here along with a Y for claims found or a N for no
claims found.
[10]
Line of Business: The line of business(es) reported with a Y for claims found will be listed in this section.
[11]
Policy Number & Carrier: The policy number and carrier name for all the claims found for each line of business. If more
than one claim was found for a policy number for a line of business, the policy number only was listed once.
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[12]
Policy Period: Policy periods will be reported in increments of 12 months and will be based on the reporting period you
requested on the order inquiry.
[13]
Claim Amount: The first line will be the total amount of claims found for that policy period for the line of business
shown. If no claims were found, a -0- will be reported.
[14]
Number of Claims(): The total number of claims included in the claim amount shown. If no claims for the reporting
period were found, a (-0-) will be reported.
[15]
Total: The total for each line of business for the reporting period.
[16]
Reserves: If a dollar amount reserve was reported for a claim it will be included in the claim amount paid and Total
Incurred Amount and a -R- will be reported. If a carrier only reports reserves in dollar ranges no reserve amount is
included in the claim amount paid or Total Incurred Amount. These are identified with a -X-. If more than one claim is
reported in the policy period there is a possibility both a -R- and a -X- can be reported. See the Claim Detail section for
dollar amount reserves and/or reserve range.
[17]
Total All Lines: This is a grand total for all lines of business for the reporting period.
[18]
Additional Open Claim(s): This section shows when additional open claims were requested for a period greater than the
five years preceding the reporting period requested. If open claims were found prior to the reporting period, the claim
summary for those claim(s) will be reported here.
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Line of Business Claim Summary Section
This section summarizes the losses for the line(s) of business searched. This section is always generated for
each line of business search that had a claim. This is an example of a Business Insurance Summary.
[19]
Carrier Name: The name of the carrier that contributed the claim. The name reported is the name associated with the AM
Best number.
[20]
Claim Count: The total number of claims included in the claim amount shown. If no claims were found in the reporting
period, a 0 was reported.
[21]
Paid: The amount paid by the policy number/carrier shown for that reporting period. If no claims were found for a policy
period, it will be blank.
[22]
Reserve: If no dollar amount or range was contributed, the value of $0 will be reported. If a dollar amount was
contributed, it will be reported along with the paid amount in the total. If a dollar amount reserve was reported for a claim,
it will be included in this field with a -R-. If a carrier only reports reserve in dollar ranges, no reserve amount is included
in the Total Incurred field. These are identified with a ‘-X-’. If more than one claim is reported in the policy period, there
is a possibility both a -R- and a -X- can be reported. See Claim Detail section for dollar amount reserves and/or reserve
range.
[23]
Open: The number of claims that are reported as being in an “Open” vs “Closed” status.
[24]
Total Incurred: This is the sum total from all of the cause of loss amounts. The total incurred includes dollar amount
reserves, but does not include the deductible or the LAE.
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Claim Details
This section contains claim details. Some claims may have the same claim number, but each reported claim is
unique. The policy number, AM Best number, and the policy type are used to determine that a claim is not a
duplicate. Claims are reported in order of newest to oldest. This is an example of a Business Insurance claim.
[25]
Claim Date: The date the claim occurred.
[26]
Claim Number: The claim number for this claim.
[27]
Policy Type: The type of policy for claims reported. See Appendix A for the complete list of policy types.
[28]
AMB: The AM Best number for the carrier that contributed the claim.
[29]
Catastrophe: Indicates whether the claim was the result of a catastrophe. If contributed, a catastrophe code may also be
reported.
[30]
Named Insured: The named insured listing contributed by the carrier. Often, this is a text field that may contain multiple
names as shown on the insured’s policy name field.
[31]
Incident Location: The location at which the claim occurred. Some carriers do not collect this data element. Others
collect it, but report it in the claim description field.
[32]
Claim Disposition: The disposition of the entire claim. Either “Open” or “Closed” will be reported. If one claim has two
components and one is “Closed” and the other is “Open”, the entire claim shows “Open”. For example, a property claim
due to a fire may have two components - contents damage which has been paid and closed, and a business interruption
component that is still open. The entire claim is reported as “Open”.
[33]
Claimant/Vehicle Operator Name: For Business Insurance policies, Small Business policies, and Workers’
Compensation policies the name shown is the Claimant Name. For Commercial Auto policies, the name reported is the
Vehicle Operator.
[34]
Cause of Loss: The cause(s) of loss being paid for this claim. For a list of the various Causes of Loss, see Appendix B.
[35]
Paid: The amount paid for that cause of loss.
[36]
Reserve: The reserve amount set aside for the cause of loss reported.
[37]
Deductible: The deductible paid by the claimant for this cause of loss.
[38]
Disposition: The current status of the claim for this cause of loss.
[39]
Total: This is the amount paid for this cause of loss, excluding the Deductible. This amount may change if the cause of
loss disposition is not closed.
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Total Incurred: This is the total amount paid for all the causes of loss listed, excluding the Deductible and Loss
Adjustment Expenses.
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Additional Open Claims Section
This section contains any additional open claims only if your company is setup to receive additional open
claims. The summary will include all lines of business found and all claims found.The details will be reported
following the summary. Claims will be reported from newest to oldest.
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Appendix A: Policy Type
The following policy type codes are returned in the Report Summary Claims Match Summary section and the
Claims Detail section. The description is not returned in the result.
Code
Description
Code
Description
AC
Artisan Contractor
GA
Garage Liability
BR
Builders Risk
GL
General Liability
BO
Business Owners
IM
Inland Marine
CA
Commercial Auto
MC
Motor Carriers
CM
Commercial Multi-Peril
PI
Personal Injury Liability
CP
Commercial Property
PL
Professional Liability
CR
Crime
TC
Truckers Liability
DO
Director & Officer’s Liability
UA
Umbrella Auto Liability
EL
Employer’s Liability
UE
Umbrella Employers Liability
EP
Employment Practice Liability
UL
Umbrella Liability
EO
Errors & Omissions Liability
UP
Umbrella Package Liability
FR
Farm
WC
Workers’ Compensation
Copyright © 2012 LexisNexis. All rights reserved.
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Appendix B: Cause of Loss
The cause of loss codes are reported in the claims detail section. The cause of loss code can be from two to
five bytes. The description is not returned in the result.
Code
Description
Code
Description
ACCDL
Accidental Discharge/Leakage
FIREL
Fire Legal Liability
AIR
Aircraft or Vehicles
FLOOD
Flood
BI
Bodily Injury Liability - Non Auto
FORG
Forgery
BIA
Bodily Injury - Auto
FOROB
Intake of Foreign Objects
BOIL
Boiler & Machinery
FREEZ
Freezing Water
BURG
Burglary
GLASS
Glass
BUSIN
Business Income
HAIL
Hail
CFRAD
Computer Fraud
LAE
Loss Adjustment Expense
COLL
Automobile Collision
LIAB
Liability (All Other)
COMP
Completed Operations Liability
LIGHT
Lightning
CONTA
Contamination/Pollution
LIVES
Livestock
CRAFT
Watercraft
LOSS
Loss Assessment
DESTC
Destruction
LSCP
Loss of Scheduled Property
DISHO
Employee Dishonesty
MINE
Mine Subsidence
DISSA
Disappearance
MOVE
Earth Movement
DO
Directors & Officers Liability
MP
Medical Payments - Non Auto
EMBZL
Embezzlement
MPA
Medical Payments - Auto
EMPL
Employer’s Liability
OTC
Other than Collision
EO
Errors & Omissions Liability
OTR
All Other
EP
Employment Practice Liability
PD
Property Damage Liability - Non-Auto
EXPLN
Explosion
PDA
Property Damage Liability - Auto
EXTEN
Extended Coverage
PI
Personal Injury/Advertising Injury
EXTOR
Extortion
PIP
Personal Injury Protection - Auto
FCOLL
Collision, Upset, Overturn (Farm)
PROD
Products Liability
FIRE
Fire
QUAKE
Earthquake
RENT
Rental Reimbursement
UIM
Underinsured Motorists
RIOT
Riot & Civil Commotion
UM
Uninsured Motorist
ROBBY
Robbery
VMM
Vandalism & Malicious Mischief
Copyright © 2012 LexisNexis. All rights reserved.
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Code
Description
Code
Description
SBURG
Safe Burglary
VOLC
Volcanic Action
SINK
Sinkhole
WATER
Water
SLIP
Slip/Fall Liability
WC
Workers’ Compensation
SMOKE
Smoke
WCMED
Workers’ Compensation Medical
SPRNK
Sprinkler Leakage
WCIND
Workers' Compensation Indemnity
THEFT
Theft
WEATH
Weather Related Water
TOW
Towing & Labor
WIND
Wind
Copyright © 2012 LexisNexis. All rights reserved.
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Glossary
Account Number
The account number used to place the order.
Additional Line of Business Included
This can result in two conditions. 1) When “Business Insurance” line was requested (no Small Business indicated), a search for
Small Business claims is always done. If Small Business claims were found, Small Business will be shown here. 2) If Small
Business was requested (no Business Insurance indicated) and Business Insurance claims were found, Business Insurance will
be shown here.
NOTE: Condition number one is always searched. Condition number two is an account set up option. Contact your
LexisNexis National Account Manger or Customer Manager if you have questions.
Additional Open Claim(s)
This section shows when additional open claims were requested for a period greater than the five years preceding the reporting
period requested. If open claims were found prior to the reporting period, the claim summary for those claim(s) will be
reported here.
AMB
The AM Best number for the carrier that contributed the claim.
Carrier Name
The name of the carrier that contributed the claim. The name reported is the name associated with the AM Best number.
Catastrophe
Indicates whether the claim was the result of a catastrophe. If contributed, a catastrophe code may also be reported.
Cause of Loss
The cause(s) of loss being paid for this claim. For a list of the various Causes of Loss, see Appendix B.
Claim Amount
The first line will be the total amount of claims found for that policy period for the line of business shown. If no claims were
found, a -0- will be reported.
Claim Count
The total number of claims included in the claim amount shown. If no claims were found in the reporting period, a (-0-) will be
reported.
Claim Date
The date the claim occurred
Claim Disposition
The disposition of the entire claim. Either “Open” or “Closed” will be reported. For example, if a property claim due to a fire
has two components - contents damage which has been paid and closed, a business interruption component that is still open,
the entire claim will be reported as “Open”.
Claim Number
The claim number for this claim.
Claimant/Vehicle Operator Name
For Business Insurance policies, Small Business policies and Workers’ Compensation policies the name shown is the Claimant
Name. For Commercial Auto policies, the name reported is the Vehicle Operator.
Deductible
The deductible paid by the claimant for this cause of loss.
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Disposition
The current status of the claim for this cause of loss. The Dispositions include Open (O), Closed (C), Subrogation (S), Under
Deductible (D), Peril Not Covered (P), and Withdrawn (W).
Incident Location
The location at which the claim occurred. Some carriers do not collect this data element. Others collect it, but report it in the
claim description field.
Inquiry Result
Additional details for the results.
Lines of Business
Each line of business searched will be reported here along with a Y for claims found or a N for no claims found.
Line of Business Requested
Only the line(s) of business that were searched on the order will be reported. Up to four lines of business can be shown:
Business Insurance, Small Business, Commercial Auto, and Workers’ Compensation.
Named Insured
The named insured listing contributed by the carrier. Often, this is a text field that may contain multiple names as shown on the
insured’s policy name field.
Number of Claims()
The total number of claims included in the claim amount shown. If no claims for the reporting period were found, a (-0-) will
be reported.
Open
The number of claims that are reported as being in an “Open” vs “Closed” status.
Order Date and Time
The time and date the order was received by LexisNexis.
Paid
The amount paid by the policy number/carrier shown for that reporting period. If no claims were found for a policy period, it
will be blank.
Policy Number & Carrier
The policy number and carrier name for all the claims found for each line of business. If more than one claim was found for a
policy number for a line of business, the policy number will only be listed once.
Policy Period
Policy periods will be reported in increments of 12 months and will be based on the reporting period you requested on the
order inquiry.
Policy Type
The type of policy for claims reported. See Appendix A for the complete list of policy types.
Quoteback
The quoteback is entered when you order a C.L.U.E. Commercial report. It is used so you can match the report back to your
quote submission or policy.Often the quoteback used is the quote/policy number. Because you may need to match one
C.L.U.E. Commercial report to multiple lines of business up to five quotebacks can be entered .
Reference Number
This number is created by LexisNexis and uniquely identifies the C.L.U.E. Commercial report provided. Refer to this number
when you call the LexisNexis Support Center with questions regarding a report.
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Requestor
This is the name of the requestor for the account number ordered. The requestor name may not be your name, but rather
something like ABC Insurance Western Region.
Reporting Period
This is the date entered on the C.L.U.E. Commercial inquiry form on which all data is organized for reporting purposes in the
C.L.U.E. Commercial report. For example, if you entered 7/1/2011 for the reporting period, you would receive losses from 7/
1/2006 to 7/1/2011. Claims are only provided on the reporting period. In the 7/1/2011 example, if a claim occurred on 7/2/
2011, it would not be shown. If you have requested to receive additional open claims over the reporting threshold, a message
will be reported if claims were or were not found.
NOTE: Additional years can be searched for both open and/or closed claims up to ten years at a nominal additional
investment. Contact your LexisNexis National Account Manager.
Reserve
The reserve amount set aside for the cause of loss reported.
Reserves
If a dollar amount reserve was reported for a claim it will be included in the claim amount paid and a -R- will be reported. If a
carrier only reports reserves in dollar ranges no reserve amount is included in the Total Incurred Amount. These are identified
with a -X-. If more than one claim is reported in the policy period there is a possibility both a -R- and a -X- can be reported.
See the Claim Detail section for dollar amount reserves and/or reserve range.
Search Addresses
The addresses that were sent on the order and inquiry form.
Search Names
The names that were sent on the order and inquiry form.
Search Policy Numbers/Effective Date
The policy number(s) and effective date(s) that were sent on the inquiry.
Search Type
One of three search types can be requested. The type of search you requested will have a check mark.
Special Billing ID
This is a number and/or name entered by you and is included on the billing invoice.
System Messages
A message indicating the status of the search. The report request processed successfully. The Report request resulted in an
error.
Total
This is the total amount of money associated with this cause of loss.
Total All Lines
This is a grand total for all lines of business for the reporting period.
Total Incurred
This is the sum total from all of the cause of loss amounts. The total incurred includes dollar amount reserves, but does not
include the deductible or the LAE.
Copyright © 2012 LexisNexis. All rights reserved.
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