General Liability

Businesses today operate in a world full of hazards, where small accidents can lead to large—and costly—liability claims. We’ve been a leader in general liability, developing the industry standard for forms, rates, and rules and a range of underwriting products and services.

Our Commercial General Liability Program is broad and flexible, with policy language to cover both common and industry-specific risks. In addition to general liability, we offer insurance policies and programs for nontraditional markets and specialty lines, such as employment practices liability, management protection, financial institutions, cyber liability, and crime and fidelity.

To help underwrite policies, Verisk field representatives conduct on-site surveys at businesses around the country, providing insurers with firsthand information about general liability exposures. We provide guides, bulletins, and training for insurers, both online and in person, to help audit general liability premiums. And for those who want to plan and track general liability trends, we offer an index of loss ratio and loss development data for well-defined general liability segments.

We have a product suite for claims adjusters that uses insurers’ claim experience and information from investigations to facilitate consistent settlements across a range of accident scenarios. And we provide Medicare compliance and claims resolution services to help you meet your obligations under state and federal laws—while reducing claim costs and expediting settlements.

 
 

Products and Services

When you order a General Liability Survey, a Verisk field rep visits the site to collect underwriting information about bodily injury and property damage liability exposures.
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...
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.
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...
There are times when you need very specific research to evaluate a strategy, market, or new business direction. When you don't have the resources available on staff, ISO can help by gathering, evaluating, and reporting on trends and developments in the marketplace — and gauging their effects on your current or potential business. We'll draw on the same databases, expertise, and other ISO resources that underlie the acclaimed ISO Insurance Issues Series studies.
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.