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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Products and Services

wcPrism Detailed Claim Information Reporter 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 (DCOs). Benefits eliminate time…
Personal Auto Physical Damage Rating SymbolsISO’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 comprehensive…
On-Site Surveys of Specific Locations and CommunitiesIf 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 of hundreds…
Liability and PIP/Medical Payments SymbolsISO’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…
VINMASTER® 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 ISO'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…
TeleUnderwriting Service — Site-Specific Info Collected by PhoneIf you're looking for a quick, cost-effective alternative to traditional on-site surveys, ISO's new TeleUnderwriting Service may be the answer. Specially trained ISO staff will conduct telephone surveys and provide an electronic or paper report that details the business processes, physical characteristics, and…