Insurance Policy Programs
How strong is the foundation of your insurance business?
With ISO Insurance Policy Programs, you have a trusted foundation to build on with court-tested policy language, statistically robust advisory loss costs, and program rules to cement it all together.
Liability programs
Liability programs
Address today’s liability exposures with a flexible program for both common and industry-specific risks.
The ISO General Liability Program features extensive industry classifications, trusted policy forms, and numerous endorsements to provide you with underwriting flexibility in a dynamic market. ISO Loss Costs provide actuarially credible pricing data on a range of general liability risks derived from billions of dollars of general liability losses developed by our experienced actuarial staff.
Our policy programs are also available for several commercial liability risks including general liability, umbrella, employment-practices liability, management liability, professional liability, and a variety of niche market segments.
Commercial lines insurance programs
Commercial lines insurance programs
Commercial risk evolves at the speed of business. Our commercial lines programs can help you keep up. Developed by a deep roster of coverage and actuarial experts, and informed by an unrivaled statistical dataset, these programs can help you enter new markets, build new products, benchmark your performance, and enhance your strategic position.
We offer commercial lines policy programs for property, auto, inland marine, capital and agricultural output, businessowners, crime and fidelity, cyber, equipment breakdown, financial institutions, and package lines of business.
Personal lines insurance programs
Personal lines insurance programs
Looking to build a powerful personal lines program, add new lines of business or expand into new states? Your journey starts here. Verisk's ISO Forms, ISO Rules, and ISO Advisory Loss Costs can help you cover and price a wide range of personal property and liability risks. Updated regularly in response to market trends and legislative, regulatory, and judicial developments, these policy programs provide a trusted foundation for business growth.
Our personal lines programs for auto, property, liability (including personal umbrella), motorcycle, flood, farm, homeowners, dwellings, and watercraft.
Do you have the right solutions to improve your business?
Be ready to cover today’s risks
Be ready to cover today’s risks
Launching an insurance program, adding a new line of business, or expanding to a new state can be a costly and time-consuming process. Verisk's ISO Insurance Policy Programs can provide a powerful suite of forms, rules, and loss costs backed by extensive monitoring of insurance case law, legislation, and regulation alongside emerging risk trends, actuarial analysis, and one of the world’s largest databases of premium and loss data. From product development, to market expansion and benchmarking, our insurance policy programs provide a solid foundation for success and innovation for insurance entities of all sizes.
As a licensed statistical agent with a deep roster of actuarial, data, compliance, and government relations experts on staff, we’re uniquely positioned to help you tackle your statistical reporting challenges. Whether you need reporting assistance or want to minimize overhead and improve operational efficiency, our data and reporting services can help.
Increase your insurance IQ
Verisk's insurance related programs provide access to a wealth of informational resources in addition to forms, rules, and advisory loss costs.
Emerging Issues
Gain a deeper understanding of over 40 emerging risks potentially facing insurers today through the Emerging Issues portal on ISOnet®, the weekly Emerging Issues Digest, webinars, and in-depth articles.
ISO Education
Help train or onboard employees using over 140 e-learning courses developed by the same experts behind our products. Educational resources are available on demand or through your internal learning management systems.
ISO Circulars
Stay current with product news, filing updates, actuarial analysis, and more using ISO Circulars.
Speakers Bureau
Looking for an insurance expert for a speaking engagement? The Speakers Bureau is available to companies who license our programs.
A force multiplier for your insurance business
A force multiplier for your insurance business
Looking for best-in-class actuarial support? Need help implementing an ISO Insurance Policy Program? Want to launch new products or gain deeper insights into the competitive environment? Verisk's insurance consultants can help.
By harnessing our world-class actuaries, coverage experts, and unrivaled data and analytics, our team can help you address a range of strategic, actuarial, and product development challenges.
Visualize: Insurance trends to watch
Read Visualize for actionable insights and analysis on the issues facing insurers today.
CMS announces increase to Maximum Settlement Amount for Fixed Percentage Demand Calculation Option starting October 2, 2023
CMS has announced that effective October 2, 2023, the maximum total settlement amount for the Fixed Percentage Demand Calculation Option.
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CMS releases NGHP User Guide (Version 7.3) – updates include changes to the ORM trigger and CMS’s Unsolicited Response File process
The (CMS) has released an updated Section 111 NGHP User Guide (Version 7.3, August 7, 2023) regarding Section 111 reporting related to non-group health plans
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The E-bike Coverage Question: Far from Resolved
As e-bikes become more popular, there are increasing concerns insurers must consider.
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Climate change vs. climate variability: their impact on insured losses
Catastrophe models help better understand and quanitfy insured losses caused by climate change and climate variability.
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