The Standard for Forms, Rules, and Loss Costs across 26 Lines of Insurance

Verisk is constantly developing standardized and specialty insurance policy programs to help define and cover new risks.

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Insurance Policy Programs

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

Home healthcare and personal care aide employment are projected to grow 40 percent from 2016 to 2026, according to the U.S. Bureau of Labor Statistics. That presents a huge opportunity for insurers. ISO Home Healthcare, a turnkey program covering a broad range of eligible professionals from home healthcare aides to nurses, can help you quickly seize this opportunity.
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 loss cost, rating, and risk selection information.
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 all applicable rules, state exceptions, loss costs, policy forms, and endorsements.
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.
For more than 25 years, insurers have relied on the State Filing Handbook from ISO for compliance details on filing rates, rules, and forms in all jurisdictions. The handbook tells you how to make independent filings in every state and what to do in response to ISO filings.
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.