Putting Out the Fire in Commercial Auto - The Path to Profitability

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We’re the recognized leader in developing standardized insurance policy programs for personal and commercial lines that help you define and cover the risks your policyholders face. We provide programs for many specialty lines, including e-commerce, cyber risk, crime and fidelity, inland marine, and financial institutions.

We’re a trusted partner in ensuring compliance with certain statutory and regulatory requirements. We monitor technological, social, and business issues—as well as legislative, regulatory, and legal developments—that may affect our programs. We constantly track insurance legislation and court cases and update our vast library of policy language, ratings, and rules to cover the latest risks. Our programs help regulators make sure your policies meet basic coverage expectations, simplify claim settlements, and assist you in entering new markets and lines of business.

We have tools to help you analyze reinsurance contracts and guide you in your reinsurance purchasing decisions. And we offer indices providing values that you can use as triggers for a variety of traded financial market instruments for casualty and workers' compensation.

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A filed loss cost is a powerful driver of underwriting and pricing, helping you determine adequate premium. But that same loss cost may seem to limit your options to improve premium and accurately price policies for your insureds. Our Loss Cost Quote Report helps you beat the competition with reliable...
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 rating and policywriting rules that insurers need to operate in the marketplace.
To help you focus your underwriting and marketing efforts by geographic area, ISO offers ZIP Code Profiles for several lines of insurance. With information from ISO's aggregate database, the profiles give you premium and loss experience by ZIP code.
Query Commercial Classification Code QC3 ISO's Query Commercial Classification Code (QC3) is an online lookup tool for underwriters, actuaries, and risk managers. With QC3, you can find the correct commercial classification code for workers' compensation or general liability in a specific jurisdiction or in reference to a North American Industry...
There are times when you need very specific research to evaluate a strategy, market, or new business direction. When you don't have the resources available on staff, ISO can help by gathering, evaluating, and reporting on trends and developments in the marketplace — and gauging their effects on your current or potential business. We'll draw on the same databases, expertise, and other ISO resources that underlie the acclaimed ISO Insurance Issues Series studies.
Advisory Prospective Loss Costs ISO's advisory prospective loss costs are accurate projections of average future claim costs and loss-adjustment expenses — overall and by coverage, class, territory, and other categories. Your company can use ISO's estimates of future loss costs in making independent decisions about the prices you charge for...