Underwriting and Rating

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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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Query Commercial Classification Code QC3 ISO's Query Commercial Classification Code (QC3) is an online lookup tool for underwriters, actuaries, and risk managers. With QC3, you can find the correct commercial classification code for workers' compensation or general liability in a specific jurisdiction or in reference to a North American Industry Classification System (NAICS) or Standard Industry Classification (SIC) code. Each search of the system displays a report that cross-references the...
Data Compilations by Line of Insurance ISO offers a variety of standard data compilations in machine-readable formats, providing information about the major lines of insurance. ISO's database is the property/casualty insurance industry's best, most comprehensive source of information for pricing, loss reserving, and strategic planning. The database provides a benchmark — a reliable standard against which you can compare your own data or your own operations. And the database is...
The Analysts’ Summary Package from ISO is a collection of timely reports on the property/casualty insurance industry’s financial and underwriting results. Designed for actuaries, underwriters, consultants, and investment professionals, these accurate and easily assimilated publications will give you valuable insights into the rapidly changing property/casualty marketplace.
Advisory Prospective Loss Costs ISO's advisory prospective loss costs are accurate projections of average future claim costs and loss-adjustment expenses — overall and by coverage, class, territory, and other categories. Your company can use ISO's estimates of future loss costs in making independent decisions about the prices you charge for your policies. For most property/casualty insurers, in most lines of business, ISO loss costs are an essential piece of information....
PSOLD ™ (Commercial Property Size-of-Loss Database with Report-Generating Software) Essential analytical and pricing tools for reinsurance underwriters and actuaries Quickly and accurately price commercial property excess-of-loss reinsurance for any number of layers With ISO's PSOLD ™ , a complete exposure-rating tool, you can sharpen your pricing analysis. With the software, you can quickly and easily perform excess-of-loss reinsurance exercises for any layer of loss you specify. And you can perform...
Specialty Commercial Lines Programs ISO offers a broad array of specialty commercial lines insurance programs that make it easy for you to enter and compete in new markets. Each program gives you standardized ISO policy forms and endorsements, manual rules, advisory loss costs, and related information. ISO's specialty commercial lines programs help you: reduce the cost and complexity of entering new lines of business make better decisions on risk selection...