Policy Language

Agri-CAP (Agricultural Capital Assets Program)ISO's Agri-CAP® (Agricultural Capital Assets Program) is an output policy providing broad coverages and pricing flexibility for medium-sized and large farms and agricultural-related businesses, including:agricultural processing operationsdehydrating facilitiesgrain storage facilitiesmill operationspoultry operationsranchesslaughterhouseswineriesHere's what you getWe've designed Agri-CAP — which includes policy forms, endorsements, rules, and loss…
Capital Assets ProgramISO's Capital Assets Program is an output policy that helps you provide superior coverage and flexible pricing for medium-sized to large manufacturing, industrial, habitational, commercial, retail, wholesale, service, contractors, and institutional risks.Here's what you getWe've designed the program — which includes policy forms, endorsements, rules, and loss costs…
Circulars on ISOnetISOnet® — 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 plans,…
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…
Commercial Lines Manual (CLM) Information on ISOnet ISOnet® — the Internet information service for insurance professionals — contains a complete electronic version of the current ISO Commercial Lines Manual (CLM), as well as historical information back to 1994. You'll find an integrated state insurance manual (SIM) for each ISO line…
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…
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,…
Electronic Forms on Disc (EFD)ISO's Electronic Forms on Disc (EFDTM) is a database of policy forms and endorsements for all ISO lines of business. You can view and print the ISO forms, modify or customize them, and integrate them into your own policy-issuance system. Your initial order of EFD comes…
Employment-Related Practices Liability7 OUT OF 10 businesses don’t buy EPLI.1The ISO Employment-Related Practices Liability Program includes policy forms, manuals, and loss costs that can help you provide coverage for the gap in employment-related-practices exposure that many companies face.Key highlights:legal defense for the insuredcoverage for claims first made during the policy…
Fiduciary Liability ProgramTargeted protection of businesses’ and employers’ assets against fiduciary-related claims of mismanagement of a company’s employee benefit plans.The Fiduciary Liability Program covers the legal expenses of defending against the claim, as well as the financial losses the plan may incur due to errors, omissions, or breach of fiduciary…
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…
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…
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