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

Products and Services

Loss control and risk reduction are two results of the same critical calculation for rating and competitive advantage. Verisk’s Risk Improvement Recommendations give you insights on building and occupancy hazards that help you reduce insured risks, control losses, and offer the most competitive quote.
To stay ahead of the competition, you need up-to-date information about a building’s construction, occupancy, hazards, and protection. But that isn’t always enough. Sometimes you’ll want a more in-depth look at the loss cost calculations, including the charges and credits we applied. Verisk’s Rating Survey Detail Report gives you details…
Speed to market with accurate pricing is vital, but sometimes a detailed report based on an on-site inspection isn’t available. However, reliable information that’s specific to your needs is still critical. That’s why we offer Verisk’s Property Details Report, a street-level, exterior-only building survey by a trained Verisk field analyst.
Visual information is often key to helping you understand potential risk and price policies accurately. You need reliable, detailed information to underwrite and quote coverage fast, or you’ll lose out to the competition. Verisk’s PhotoPak™ gives you full-color photographs of commercial properties and surrounding exposures along with other valuable data.
A filed loss cost is a powerful driver of underwriting and pricing, helping you determine adequate premium. But that same loss cost may seem to limit your options to improve premium and accurately price policies for your insureds. Our Loss Cost Quote Report helps you beat the competition with reliable…
In a fast-paced market, you need to respond to new business opportunities even when there’s limited information available. To avoid making a straight declination or losing out to the competition while waiting for a field inspection, Verisk’s Estimated Loss Cost Quote Report gives you a quick, simple, and economical way…