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    Underwriting |

    Evolution of homeowners data
    and analytics

    Since the introduction of the modern homeowners policy in 1950, home insurance has employed a high-touch underwriting process using agents, specialized underwriters...  More »
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    Underwriting |

    Determining replacement costs
    for older homes

    Properties typically cost more to replace than build. In most cases, the older the home, the more it costs to replace…  More »
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    Underwriting |

    Driving for change: Telematics
    data offers big challenges —
    and big opportunities

    The auto insurance industry as we know it is going through its third revolution. Following the direct insurance and credit rating revolutions, telematics data is now…  More »
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    Underwriting |

    Underwriting strategies to
    reduce hail risk

    The property loss landscape has changed, and hail risk is now a larger part of total losses than it has been historically…  More »
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    Underwriting |

    The Imprecise Use of Claims
    Information in Underwriting

    Getting accurate claims histories has always been an important part of auto insurance underwriting. But traditional loss history databases can’t always deliver…  More »
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    Underwriting |

    Understanding the risk: New fire
    protection classes to benefit
    insurers and communities

    Robert Andrews sat down with the editors of Visualize to discuss ISO’s Public Protection Classification (PPC™) program, which analyzes the quality of fire protection in thousands of communities…  More »
You are here:Archived Press/2014

Underwriting and Rating

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Products and Services

ISO is the acknowledged leader in writing policy language to cover all kinds of property and liability risks. All our policy forms — personal and commercial — use easy-to-read language that helps consumers know what they're buying and salespeople know what they're selling. We also develop and help implement the…
wcPrism Detailed Claim Information Reporter   Detailed claim information (DCI) 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…
Frequently Asked Questions (FAQ) The Public Protection Classification (PPCTM) Program: ISO's Analysis of Public Fire Protection Capabilities How does ISO evaluate local fire protection? And what does the classification mean for individual property insurance costs in my community? ISO's expert staff collects information about municipal fire protection efforts in communities…
ISO's cyber liability program — the E-Commerce Program — helps you offer a variety of coverage options for commercial companies and financial institutions that do business online. The program will benefit organizations that: use e-mail rely on the Internet to promote products and services operate a website provide online transactional…
ISO’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 and collision policies. Like all…
Liability and PIP/Medical Payments Symbols ISO’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…