Policy Language and Rules

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 operations dehydrating facilities grain storage facilities mill operations poultry operations ranches slaughterhouses wineries Here's what you get We've…

Capital Assets Program

ISO'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 get

We've designed the program — which includes policy forms, endorsements, rules, and loss costs — to meet the requirements of today's customer.

With your Capital Assets Program participation, you'll also receive ISO's Capital Assets Premium Calculator software to help you rate accounts that you quote under the program. The software lets you document your pricing rationale. It also allows multiple users to store account information on a LAN. Home office staff can perform quality reviews on each account's documentation and pricing.

Available coverages

Our program provides blanket replacement-cost coverage, without a coinsurance provision, for buildings and business personal property. The program also includes options to value property at actual cash value, agreed value or, for buildings, functional replacement cost. And it includes built-in coverages commonly offered as add-on options in the underwriting marketplace.

You can write ISO's Capital Assets Program as a monoline policy — or package it with other ISO products, such as general liability, commercial automobile, and boiler and machinery.

ISO's Capital Assets Program basic form includes all the following key coverages:

  • accounts receivable
  • automatic replacement cost
  • blanket building and business personal property
  • brands and labels expense
  • business income and extra expense
  • business personal property off covered locations (worldwide)
  • consequential loss
  • debris removal
  • electronic data
  • employee theft
  • fine arts
  • fire extinguisher systems expense
  • forgery or alteration
  • glass
  • installation floater
  • inventory and appraisal expense
  • mobile equipment
  • money and securities
  • ordinance or law
  • pollution cleanup and removal
  • property in transit
  • valuable papers and records

The program also provides automatic-increase coverage for building and business personal property. And the program includes optional endorsements to add or exclude coverage and to amend the limits of insurance.

Circulars on ISOnet ISOnet® — 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…

Commercial Inland Marine

ISO’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 Inland Marine Program includes the following 50 (filed and nonfiled) classes:

Filed classes:

  • accounts receivable
  • camera and musical
  • instrument dealers
  • commercial articles
  • equipment dealers
  • film
  • floor plan
  • jewelers block
  • mail
  • physicians and surgeons
  • signs
  • theatrical property
  • valuable papers

Nonfiled classes:

  • animal mortality
  • annual transit
  • bailees customers
  • boat dealers
  • builders risk
  • computer systems
  • contractors equipment
  • difference in conditions
  • exhibition
  • fine arts–commercial
  • fine arts dealers and galleries
  • fine arts museums
  • furriers block
  • furriers customers
  • installation
  • installment sales and leased property
  • jewelers block
  • machinery and equipment
  • marine supplies dealers
  • miscellaneous articles
  • motor truck cargo–carriers
  • motor truck cargo–contingent
  • motor truck cargo–owners
  • patterns and dies
  • processors
  • radio and television towers and equipment
  • railroad rolling stock
  • riggers liability
  • salespersons samples
  • scientific and medical diagnostic equipment
  • signs
  • tank storage
  • trip transit
  • unmanned aircraft and cargo (drones)
  • warehouse operators legal liability
  • watercraft (endorsement for homeowners policies)
  • wireless communications equipment
  • yachts

ISO Inland Marine Handbook

The ISO Inland Marine Handbook includes an exhibit that reproduces the inland marine class information from the NAIC’s 1976 Nation-Wide Marine Definition and displays the ISO forms available for those classes. You can use ISO’s experience information to help benchmark your book of business or decide to expand with new classes. Because the ISO Inland Marine Handbook coverage forms are compatible with forms we make available for other ISO lines of business, the ISO Handbook can be particularly helpful to those insurers who write certain commercial package policies. The ISO Handbook can also be a powerful policywriting reference guide or training tool.

State Filing Handbook

ISO’s State Filing Handbook provides important details on filing rates, rules, and forms in all jurisdictions—including a special section on the filing laws and regulations for nonfiled inland marine.

Actuarial Service for Commercial Inland Marine

ISO’s Actuarial Service for our commercial inland marine program provides information you can use to supplement your own experience, helping you make more informed decisions about product pricing, marketing, underwriting, reserve adequacy, and reinsurance needs.

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 Procedures Whether 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…
Crime and Fidelity Insurance Program The median loss for occupational fraud in the United States is $120,000.1 ISO’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 forgery…
7 OUT OF 10 businesses don’t buy EPLI.1 The 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 insured coverage for claims first made during…
Targeted 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 duty.
To 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 offer…
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,…
ISOnet® | Forms Library ISOnet® — 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…
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