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

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…
ISO Passport - Experian Business Financial ReportsISO 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:ProfilePlus Report —…
Community Mitigation Classification (CMC) Manual PlusCMC 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 Code…
360Value - Overview360Value® helps you maintain insurance to value through the life of a policy. With quoting, underwriting, annual renewals, and periodic checks of book of business, 360Value provides component-based replacement cost estimates for the full range of residential, commercial, and agricultural properties.Underinsurance is still a concern for U.S. property…
ZIP Code Profiles for Underwriting and MarketingTo 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, you have…
Homeowners By-Peril Rating SupplementEnhance the precision of your homeowners rating with by-peril analysisWith 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 By-Peril Rating Supplement…