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

You can immediately gain a competitive advantage when you understand which properties fit your underwriting guidelines and which require more intensive review. Verisk’s Building Underwriting Report provides extensive information on the construction, occupancy, hazards, fire protection, and applicable wind exposure of any risk in the ProMetrix® commercial property database. And…
ISO DataCube Find Data You Need with ISO DataCube ISO DataCube™ provides aggregate premium and loss experience data—on a granular level—to help you make important decisions about your portfolio. This powerful tool allows you to focus on the details that matter with analytics fueled by one of the largest property/casualty…
ISO's Policy Language and Rules ISO is the acknowledged leader in writing policy language to cover all kinds of property and liability risks. All our policy forms — personal and commercial — use easy-to-read language that helps consumers know what they're buying and salespeople know what they're selling. We also…
wcPrism Detailed Claim Information Reporter Detailed claim information (DCI) Satisfy DCO requirements for reporting specific claim data elements and values for random samplings of indemnity claims The wcPrism Detailed Claim Information (DCI) Reporter provides full automation for reporting a random sampling of claims with detailed data elements and values required by all data collection organizations…
Personal Auto Physical Damage Rating Symbols ISO’s Personal Auto Physical Damage Rating Symbols are codes that indicate the relative risk of loss for each private passenger vehicle series and each model year. Each Symbol has a corresponding Symbol relativity, or factor, that you can use to develop premiums for individual…
Liability and PIP/Medical Payments Symbols ISO’s Liability and PIP/Medical Payments (LPMP) Symbols are codes that indicate the relative risk of loss for each private passenger vehicle series. Each Symbol has a corresponding Symbol relativity, or factor, that you can use to develop premiums for liability and PIP/medical payment coverage. Unlike ISO’s Personal Auto Physical Damage…