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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Products and Services

Commercial Inland MarineISO’s Commercial Inland Marine Program gives you access to information for both filed and nonfiled classes of business.Capitalize on opportunity in the marketplace with the many commercial inland marine forms and endorsements available from ISO. Our product offerings enable you to provide truly customized solutions for your policyholders.ISO’s…
ISOnet® | Forms LibraryISOnet® — 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 also…
Forms Information Report System (FIRST)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…
Financial Institutions ProgramTo 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…
Crime and Fidelity Insurance ProgramThe median loss for occupational fraud in the United States is $120,000.1ISO’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 forgeryburglaryother workplace crimesIn addition,…
Commercial Umbrella Program | Forms, Rules, Rating ProceduresWhether 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…