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

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.
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.
To stay ahead of the competition, you need up-to-date information about a building’s construction, occupancy, hazards, and protection. But that isn’t always enough. Sometimes you’ll want a more in-depth look at the loss cost calculations, including the charges and credits we applied. Verisk’s Rating Survey Detail Report gives you details on how we calculate specific loss costs for any risk in the ProMetrix ® commercial property database.
Speed to market with accurate pricing is vital, but sometimes a detailed report based on an on-site inspection isn’t available. However, reliable information that’s specific to your needs is still critical. That’s why we offer Verisk’s Property Details Report, a street-level, exterior-only building survey by a trained Verisk field analyst.
Visual information is often key to helping you understand potential risk and price policies accurately. You need reliable, detailed information to underwrite and quote coverage fast, or you’ll lose out to the competition. Verisk’s PhotoPak™ gives you full-color photographs of commercial properties and surrounding exposures along with other valuable data.
Speed to market with accurate pricing is vital. You need to underwrite and quote coverage fast, or you’ll lose out to the competition. The loss cost, rating, and risk selection information available through our ProMetrix ® suite of services lets you price policies accurately and get quotes to customers quickly.