insurer wants to know what claims my business had previously what do I fill in

Claims history: number, cause and amount per policy year

The insurer usually wants three things per policy year: the number of claims, the cause (for example fire, water damage, liability, cyber incident) and the paid amount or claims reserve. Sometimes you are also asked about pending claims that have not yet been settled, and about claims that have been rejected. Enter what appears in the claims history overview of the current or previous insurer; this is usually the most reliable source, because it comes directly from the party that paid out or assessed the claim. If such an overview is missing, then your own claims register with date, cause and settlement is the alternative — provided that it is consistent with what is in the accounting records.

If you do not have a file or overview with historical claims figures, do not enter an estimate. An insurer often checks this against its own acceptance policy and against what the previous insurer has reported; an estimated amount that differs from that source raises more questions than an honest "not yet available" with an undertaking to provide it afterwards. This topic is often mentioned in the same breath as the question about the financial health of the company, because claims history and solvency together determine the risk profile that the insurer uses for the premium. For sensitive claims amounts, pay attention to the confidentiality button, so that the figure is only visible to those who actually assess the questionnaire.

Why banks and insurers ask differently here

Claims history is not in a legal source such as the Trade Register Act 2007 or the Anti-Money Laundering Act — it is an acceptance criterion of the insurer itself, based on its risk model. This explains why the format differs per insurer: one asks per claims cause, another per policy year, and a third only about the total amount above a threshold. This fits the broader pattern of why a bank asks different questions than an insurer about the same subject: banks assess money laundering risk and credit risk, insurers assess insurability and premium, and each uses its own format without a legal basic structure.