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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 »

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

360Value - Overview   360Value® helps you maintain insurance to value through the life of a policy. With quoting, underwriting, annual renewals, and periodic checks of 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…
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 Verisk’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…
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 of business and jurisdiction. The manual includes…
ProMetrix® is a suite of services centered around Verisk’s ProMetrix commercial property database of buildings, occupants, and related analytics. The database is a comprehensive source of underwriting and rating data on more than 3.5 million commercial buildings and about 6 million businesses in the United States. Verisk field representatives —…
On-Site Surveys of Specific Locations and Communities If 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…
Tools to bring your program to market quickly and easily a state-of-the art platform that analyzes thousands of variables a unique user interface that provides policyholders with direct feedback on their driving performance two complementary, ready-to-use driver discount rules based on driving location and driving behavior Verisk Telematics offers a…