Underwriting and Rating

Services to manage risk

We provide underwriting and rating information and services to help you understand and manage risks, reduce policy acquisition costs, improve rate classification integrity, and support your growth and retention strategies. Our offerings help you price your risks, reduce premium leakage, and maximize profitability.

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Products and Services

Whether you underwrite residential, commercial, or agricultural properties, Verisk Underwriting provides solutions to ensure insurance to value through the life of the policy.
When you order a General Liability Survey, a Verisk field rep visits the site to collect underwriting information about bodily injury and property damage liability exposures.
You’re searching for solutions to improve the profitability of your commercial auto book while meeting demand for this expanding market. If you’re like many carriers, rate adjustments may have not provided the required lift needed to deliver profitability. To better estimate underwriting risk and calculate suitable premiums, you need comprehensive information abou...
Through strategic alliances with leading credit information services, Verisk gives you easy access to critical consumer credit data. The information helps you predict the expected loss ratio or claim frequency associated with an insurance policy applicant. Credit scoring can be an invaluable aid in underwriting for new policies and renewals, reducing your loss ratio and increasing the efficiency of your decision making.
Knowing whether a building is sprinklered is only part of the total risk picture. You also need to know if the sprinkler system can adequately protect the property and how it affects the building’s loss cost. Verisk’s Sprinkler Assessment Report provides an easy-to-understand engineering assessment of the effectiveness and loss reduction capabilities of a sprinkler system, at a glance. You get th...
Loss control and risk reduction are two results of the same critical calculation for rating and competitive advantage. Verisk’s Risk Improvement Recommendations give you insights on building and occupancy hazards that help you reduce insured risks, control losses, and offer the most competitive quote. Verisk’s Risk Improvement Recommendations provide information about observed building and occupa...