Underwriting and Rating

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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

ISOnet | Forms Library ISOnet® — the information service for insurance professionals — offers you access to a collection of more than 9,000 personal and commercial forms and endorsements. The Forms Library contains all simplified ISO forms in effect (based on ISO filings) on or after January 1, 1994. The library…
To manage your company's policy forms and endorsements — and to ensure compliance with state regulations — you need ISO's Forms Information/Report System (FIRSTSM). Available through ISOnet® — the information service for insurance professionals — FIRST gives you reports showing the effective dates, expiration dates, and state applicability information for multistate…
To meet the varied needs of banks and other types of financial institutions, ISO delivers the Financial Institutions Program as a comprehensive package of policies, with separate limits and deductibles to meet the specific needs of all your banking and financial institution customers. ISO’s Financial Institutions Program helps you offer…
Crime and Fidelity Insurance Program The median loss for occupational fraud in the United States is $120,000.1 ISO’s Crime and Fidelity Insurance Program provides standardized ISO policy forms and endorsements, manual rules, advisory loss costs, and related information to help protect businesses and government entities against: employee theft and forgery…
Whether you're a small, medium, or large insurer, you can cover your customers with the ISO Commercial Umbrella Program. Designed for use over the commercial general liability (CGL) and commercial auto policies, the ISO Commercial Umbrella Program includes policy forms, endorsements, and rules. The program also works over the garage…
Circulars on ISOnet ISOnet® — the information service for insurance professionals — offers you access to all ISO circulars issued since January 1, 1995. Every day, ISO circulars give you vital information on industry developments and ISO activities. Circulars deliver information on ISO filings for loss costs, rules, forms, and statistical…