Underwriting and Rating

Services to manage risk

We provide underwriting and rating information and services to help you understand and manage risks, reduce policy acquisition costs, improve rate classification integrity, and support your growth and retention strategies. Our offerings help you price your risks, reduce premium leakage, and maximize profitability.

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Download the latest data on property reconstruction costs
 

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Short Video "Teaser" for Risk and Analytics Summit Session: Small Commercial Underwriting - Start Thinking Big
 

Products and Services

Speed to market with accurate pricing is vital. You need to underwrite and quote coverage fast, or you’ll lose out to the competition. The loss cost, rating, and risk selection information available through our ProMetrix® suite of services lets you price policies accurately and get quotes to customers quickly.
360Value - Overview   360Value® helps you maintain insurance to value through the life of a policy. With quoting, underwriting, annual renewals, and periodic checks of book of business, 360Value provides component-based replacement cost estimates for the full range of residential, commercial, and agricultural properties. Underinsurance is still a concern for U.S. property insurers. A…
Determining the proper premiums for personal auto policies can be tricky business, especially for collision and comprehensive coverages. But it doesn't have to be. With Verisk’s VINMASTER® and your software, you can quickly and easily identify an automobile's current ISO Vehicle Series Rating Symbol without knowing its vehicle identification number (VIN). With the current Symbol,…
ISOnet® — the Internet information service for insurance professionals — contains a complete electronic version of the current ISO Commercial Lines Manual (CLM), as well as historical information back to 1994. You'll find an integrated state insurance manual (SIM) for each ISO line of business and jurisdiction. The manual includes…
On-Site Surveys of Specific Locations and Communities If your business demands accurate information on the characteristics of specific properties of any type — whether residential or commercial — and their surrounding communities, you need ISO. For more than 30 years, ISO's highly trained field staff has conducted thorough on-site surveys…
ISO offers a variety of standard data compilations in machine-readable formats, providing information about the major lines of insurance.