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

wcPrism Detailed Claim Information Reporter Satisfy DCO requirements for reporting specific claim data elements and values for random samplings of indemnity claims The wcPrism Detailed Claim Information (DCI) Reporter provides full automation for reporting a random sampling of claims with detailed data elements and values required by all data collection organizations (DCOs). Benefits eliminate time and effort needed to manually select DCI reports based on required criteria eliminate compliance mishaps...
ISO’s Personal Auto Physical Damage Rating Symbols are codes that indicate the relative risk of loss for each private passenger vehicle series and each model year. Each Symbol has a corresponding Symbol relativity, or factor, that you can use to develop premiums for individual comprehensive and collision policies. Like all ISO products and services, Personal Auto Physical Damage Rating Symbols are advisory. You may use them without modification, modify them, or choose not to use them.
On-Site Surveys of Specific Locations and Communities If your business demands accurate information on the characteristics of specific properties of any type — whether residential or commercial — and their surrounding communities, you need ISO. For more than 30 years, ISO's highly trained field staff has conducted thorough on-site surveys of hundreds of thousands of commercial buildings, businesses, and residential properties, including high-value homes and multifamily dwellings. ISO staff also...
ISO’s Liability and PIP/Medical Payments (LPMP) Symbols are codes that indicate the relative risk of loss for each private passenger vehicle series. Each Symbol has a corresponding Symbol relativity, or factor, that you can use to develop premiums for liability and PIP/medical payment coverage. Unlike ISO’s Personal Auto Physical Damage Rating Symbols, LPMP Symbols are not specific to model year.
Determining the proper premiums for personal auto policies can be tricky business, especially for collision and comprehensive coverages. But it doesn't have to be. With ISO's VINMASTER and your software, you can quickly and easily identify an automobile's current ISO Vehicle Series Rating Symbol without knowing its vehicle identification number (VIN).
TeleUnderwriting Service — Site-Specific Info Collected by Phone If you're looking for a quick, cost-effective alternative to traditional on-site surveys , ISO's new TeleUnderwriting Service may be the answer. Specially trained ISO staff will conduct telephone surveys and provide an electronic or paper report that details the business processes, physical characteristics, and exposures for commercial properties. Every report supplies the accurate site-specific risk information you need — quickly, reliably, and...