Commercial Auto

Bridges around the world are aging, roadways are more congested, and businesses with commercial fleets are facing greater risks than ever before. We provide a range of products and services to meet the needs of commercial auto insurers. Our standardized policy program covers a wide range of commercial vehicles and exposures and allows insurers to tailor coverage for their customers.

Our telematics offerings help you get a better understanding of risk based on driving behavior and patterns. By knowing where individual vehicles travel and by gaining insight into their speed and control, insurers can offer discounts to individual commercial drivers or entire fleets.

Our predictive modeling tools help you evaluate your commercial auto risks with more accuracy; target your marketing, underwriting, and pricing efforts; and discover new opportunities to improve your competitive differentiation.

We offer motor vehicle reports (MVRs) that give you information on your potential insureds' traffic violations and accidents — helping you underwrite commercial auto policies effectively. We also provide a reporting service that satisfies your statutory obligations to report auto coverage to state DMVs.

Commercial Auto


Products and Services

Macro-economic trends are challenging commercial auto insurers—while premiums are up, so are claims frequency and severity, resulting in losses outpacing premiums. There was $9.7 billion in underwriting losses from 2012–2016. As insurmountable as that may seem, the most profitable insurers have consistently achieved combined ratios that are, on average, 14 points better than the industry during this 5-year period.
ISOnet — the Internet information service for insurance professionals — contains a complete electronic version of the current ISO Commercial Lines Manual (CLM), as well as historical information back to 1994. You'll find an integrated state insurance manual (SIM) for each ISO line of business and jurisdiction. The manual includes all applicable rules, state exceptions, loss costs, policy forms, and endorsements.
ISO claims services provide a wide variety of integrated tools to help you at every step of the claims process. ISO's claims-management, analysis, investigations, and support services can help you improve and streamline your workflow and increase service, productivity, and profitability.
For more than 25 years, insurers have relied on the State Filing Handbook from ISO for compliance details on filing rates, rules, and forms in all jurisdictions. The handbook tells you how to make independent filings in every state and what to do in response to ISO filings.
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 c...
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 agains...