The standard for forms, rules, and loss costs across 26 lines of insurance
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.