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

Sprinkler Plan Review An ISO Sprinkler Plan Review gives you an unbiased evaluation of a planned sprinkler system — before the building goes up or the system goes in. ISO's service has significant benefits for: building-code authorities fire officials sprinkler-system contractors insurers building owners and risk managers Here's how it works Submit a sprinkler plan…
ISO Passport - Experian Business Financial Reports ISO has allied with Experian Business Information Services to bring you business credit, financial, and public-records information. The data will help you evaluate new and renewal business and make better underwriting decisions. You can use ISO Passport® to order three commercial information reports:…
Community Mitigation Classification (CMC) Manual Plus CMC Manual Plus is an electronic version of the ISO Community Mitigation Classification Manual — and more. Delivered to you through ISOnet® — the information service for insurance professionals — CMC Manual Plus gives you timely information, including Public Protection Classifications (PPCTM) and Building…
ZIP Code Profiles for Underwriting and Marketing To help you focus your underwriting and marketing efforts by geographic area, ISO offers ZIP Code Profiles for several lines of insurance. With information from  ISO's aggregate database, the profiles give you premium and loss experience by ZIP code. With ZIP Code Profiles,…
Homeowners By-Peril Rating Supplement Enhance the precision of your homeowners rating with by-peril analysis With the new Homeowners By-Peril Rating Supplement, you’ll now be able to evaluate the perils that pose the greatest risk for policies in your homeowners book of business and rate the exposure more accurately. The Homeowners…
Top 100 Insurer Financial Results Top 100 Insurer Financial Results from ISO is a quarterly compilation of underwriting and financial data for each of the 100 largest U.S. property/casualty insurance groups. The information is available as a PDF report or an Excel® spreadsheet package. You can use Top 100 Insurer…