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

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...
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,...
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...
Excess Layer Loss Development Manuals ISO's Reinsurance Package - essential analytical and pricing tools for reinsurance underwriters and actuaries With the detailed information in ISO's Excess Layer Loss Development Manuals, you can develop losses and payout patterns for excess layers and compare those patterns to ISO aggregate excess loss development...
ALAE Size-of-Loss Distributions The ALAE Size-of-Loss Distributions model provides tables of loss and allocated loss adjustment expenses (ALAE) for 94 lines of insurance within the general liability, commercial auto and medical/professional lines. The model contains a database of 40,000 discreet probabilities for the joint distribution of indemnity loss and allocated...
ISOnet ® | Forms Library ISOnet ® — the information service for insurance professionals — offers you access to a collection of more than 9,000 personal and commercial forms and endorsements. The Forms Library contains all simplified ISO forms in effect (based on ISO filings) on or after January 1,...