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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Products and Services

Personal Lines Manual Information on ISOnet ISOnet ® — the Internet information service for insurance professionals — now offers complete information from ISO's personal lines manuals. When you subscribe to ISOnet Insurance Line Services, you automatically get online access to viewable personal lines manuals for the lines of insurance and states you're entitled to receive. (You also get information from ISO's Commercial Lines Manual (CLM) and ISO circulars and forms...
Multi-Line Class Table Database Class Codes For Commercial Lines ISO's Multi-Line Class Table Database is a fast and efficient electronic system that helps you determine the correct class codes to use in rating and coding commercial lines policies. An important change in the CLM ISO is replacing the combined Commercial Lines Classification Table with individual line-of-insurance classification tables. Each line-of-insurance rules manual will now contain monoline classification information for the...
Motor Carrier Digest | Insurance Requirements for Vehicles ISO's Motor Carrier Digest is your guide to insurance requirements for common, contract, and private carriers of passengers and property. In one convenient manual, you get a comprehensive analysis of state and federal regulations related to liability insurance for trucks, buses, taxicabs, public and private livery vehicles, and other vehicles for hire. ISO's Motor Carrier Digest is your guide to insurance requirements...
Management Protection (D&O) To safeguard your clients from management-related exposures, ISO’s Management Protection Program offers protection from a wide range of risks, including executive liability (directors and officers liability). We’ve designed the program to meet the requirements of public and private for-profit corporations, including financial institutions. It provides access to ISO standardized forms, manual rules, and advisory loss costs.
Lloyd's Wordings Repository Helping you achieve pre-bind quality assurance and contract certainty You know that all the terms and conditions of an insurance contract — including policy wordings — need to be certain before policy inception. To help you achieve pre-bind quality assurance and contract certainty, we’ve created a single source of model wordings for use in the London market. At the touch of a button, the Lloyd’s Wordings Repository...
ISO Motorcycle Program | Streamline the Way You Write Motorcycle Policies The ISO Motorcycle Program — the first such standardized program in the industry — is a specialized program that consists of forms, rules, and loss costs tailored to fit the specific requirements of insuring a motorcycle. The program includes refined rating procedures, so you don’t have to spend significant time and money to develop your own. And just like...