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

Sprinkler Plan Review An ISO Sprinkler Plan Review gives you an unbiased evaluation of a planned sprinkler system — before the building goes up or the system goes in. ISO's service has significant benefits for: building-code authorities fire officials sprinkler-system contractors insurers building owners and risk managers Here's how it works Submit a sprinkler plan to ISO for analysis. Our experts will thoroughly evaluate the plan according to the standards...
ISO Passport - Experian Business Financial Reports ISO has allied with Experian Business Information Services to bring you business credit, financial, and public-records information. The data will help you evaluate new and renewal business and make better underwriting decisions. You can use ISO Passport ® to order three commercial information reports: ProfilePlus Report — a comprehensive business credit report with detailed trade payment experiences, credit-ranking score, collections data, details of...
Community Mitigation Classification (CMC) Manual Plus CMC Manual Plus is an electronic version of the ISO Community Mitigation Classification Manual — and more. Delivered to you through ISOnet ® — the information service for insurance professionals — CMC Manual Plus gives you timely information, including Public Protection Classifications (PPC TM ) and Building Code Effectiveness Grading Schedule (BCEGS ® ) classifications. The database reveals whether the community you're searching has...
360Value - Overview 360Value ® helps you maintain insurance to value through the life of a policy. With quoting, underwriting, annual renewals, and periodic checks of book of business, 360Value provides component-based replacement cost estimates for the full range of residential, commercial, and agricultural properties. Underinsurance is still a concern for U.S. property insurers. A Verisk Underwriting insurance-to-value analysis revealed 75 percent of properties had Coverage A values less than...
ZIP Code Profiles for Underwriting and Marketing To help you focus your underwriting and marketing efforts by geographic area, ISO offers ZIP Code Profiles for several lines of insurance. With information from  ISO's aggregate database, the profiles give you premium and loss experience by ZIP code. With ZIP Code Profiles, you have access to data for a variety of important analyses: decisions on pricing and underwriting guidelines assessments of the...
Homeowners By-Peril Rating Supplement Enhance the precision of your homeowners rating with by-peril analysis With the new Homeowners By-Peril Rating Supplement, you’ll now be able to evaluate the perils that pose the greatest risk for policies in your homeowners book of business and rate the exposure more accurately. The Homeowners By-Peril Rating Supplement is an alternate rating plan designed for your use as an optional supplement to the standard ISO...