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

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.
In a fast-paced market, you need to respond to new business opportunities even when there’s limited information available. To avoid making a straight declination or losing out to the competition while waiting for a field inspection, Verisk’s Estimated Loss Cost Quote Report gives you a quick, simple, and economical way to estimate both class-rated and specifically rated commercial loss costs with limited information.
You can immediately gain a competitive advantage when you understand which properties fit your underwriting guidelines and which require more intensive review. Verisk’s Building Underwriting Report provides extensive information on the construction, occupancy, hazards, fire protection, and applicable wind exposure of any risk in the ProMetrix ® commercial property database. And it includes our Relative Hazard Percentile, which gives an objective score for individual risk selection.
ISO DataCube Find Data You Need with ISO DataCube ISO DataCube ™ provides aggregate premium and loss experience data—on a granular level—to help you make important decisions about your portfolio. This powerful tool allows you to focus on the details that matter with analytics fueled by one of the largest property/casualty insurance databases in the world. ISO DataCube can support a wide range of critical functions, including benchmarking, classification analysis,...
Multiline Survey On-site info about package-policy risks Verisk's Multiline Survey — designed for package-policy risks — gives you information and commentary about several coverages and exposures. When you order a Multiline Survey about a commercial risk, a Verisk field representative will visit the site and collect the information you need about conditions and hazards. You get underwriting details for: commercial property commercial general liability almost any combination of other lines...
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.