Agent or Broker

Speed to market with accurate pricing is vital. You need to underwrite and quote coverage fast, or you’ll lose out to the competition. The loss cost, rating, and risk selection information available through our ProMetrix® suite of services lets you price policies accurately and get quotes to customers quickly.

Determining the proper premiums for personal auto policies can be tricky business, especially for collision and comprehensive coverages. But it doesn't have to be. With ISO's VINMASTER and your software, you can quickly and easily identify an automobile's current ISO Vehicle Series Rating Symbol without knowing its VIN.

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.

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.

CMC Manual Plus is an electronic version of the ISO Community Mitigation Classification Manual. Delivered to you through ISOnet, CMC Manual Plus gives you timely information, including Public Protection Classifications (PPC) and Building Code Effectiveness Grading Schedule (BCEGS) classifications.

To calculate suitable premiums for automobile risks, you need complete and accurate information about the vehicles that your policyholders drive. But a policyholder who buys a used car may not know that it was previously junked, salvaged, or flooded.

ISO's MILD™ software provides a complete, self-contained exposure rating model you can use to perform the most sophisticated custom analyses of your casualty excess-of-loss reinsurance treaties.

The PAASbase CD contains a complete reference library of information on premium audit and classification.

ISO's Premium Audit Advisory Service (PAAS) offers comprehensive training manuals for beginning premium auditors and reviewers. The self-contained manuals are available for workers' compensation, general liability, and commercial auto.

To help premium auditors and reviewers in their day-to-day work, PAAS® offers three publications that summarize important rating information state by state.

PAAS on ISOnet gives you a complete reference library of information on premium audit and classification.

PAAS classification guides provide detailed descriptions of all ISO general liability classifications and NCCI workers comp classifications.

ISO's Premium Audit Advisory Service (PAAS®) publishes a series of bulletins to keep subscribers up to date on issues of importance to the premium audit function.

Just the FAQs is a useful compilation of questions and answers from the PAAS® consultation service.

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 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. ISO is replacing the combined Commercial Lines Classification Table with individual line-of-insurance classification tables.

If you write liability insurance for doctors or hospitals, ISO's simplified medical professional liability program can offer you comprehensive coverages and optional endorsements that address the needs of today's marketplace.

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).

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.

ISO’s Commercial Inland Marine Program gives you access to information for both filed and nonfiled classes of business.

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, 1994.

To manage your company's policy forms and endorsements — and to ensure compliance with state regulations — you need ISO's Forms Information/Report System.

To meet the varied needs of banks and other types of financial institutions, ISO delivers the Financial Institutions Program as a comprehensive package of policies, with separate limits and deductibles to meet the specific needs of all your banking and financial institution customers.

Designed for use over the commercial general liability (CGL) and commercial auto policies, the ISO Commercial Umbrella Program includes policy forms, endorsements, and rules. The program also works over the garage or businessowners (BOP) policies.

ISOnet brings ISO's vast wealth of insurance information to you over the web. With ISOnet — the information service for insurance professionals — you can easily locate current and historical ISO documents, eliminating the time you'd waste tracking down misplaced or filed copies.

Now, with ISO IntegRater, insurers and managing general agents (MGAs) can get electronic data delivery of ISO loss costs and rating factors, in a delimited format for use in company databases and rating systems.

ISO's Electronic Forms on Disc (EFD) is a database of policy forms and endorsements for all ISO lines of business. You can view and print the ISO forms, modify or customize them, and integrate them into your own policy-issuance system.

To help you satisfy legal requirements and administer your insurance programs, ISO offers a collection of policywriting support forms. The forms include cancellation/nonrenewal notices, lost-policy releases, certificates of insurance, UM/UIM/PIP selection/rejection forms, claim forms, first reports of injury, loss notices, applications and fraud warnings.

Xactimate, from ISO’s sister company Xactware, is a software system for estimating the cost of repairs and reconstruction for residential and commercial structures. With a catalog of new features, Xactimate is more powerful than ever. You get increased accuracy and detail, and you’ll complete estimates faster.

XactContents®, from ISO’s sister company Xactware, is a system for estimating the replacement costs of personal property. XactContents is available as a module within our Xactimate estimating software or as a completely online system.

XactAnalysis, from ISO’s sister company Xactware, is a powerful set of analytical and reporting tools for insurance claims and underwriting departments. Contractors, independent claims adjusters, and other service providers can also benefit from integrating XactAnalysis into their workflow.

We offer a full range of products and services that provide risk-specific information representing every address in the United States. You can use them at the point of sale, at the portfolio level, and for policy renewals. Our offerings help you make superior underwriting and rating decisions.

Verisk offers a fast, accurate way to get information on building code enforcement with Building Code Effectiveness Grading Schedule (BCEGS) codes for commercial and personal lines. We also provide jurisdiction names and effective years for risk addresses in all states except Idaho and Washington, D.C.

FlatCat puts the entire PCS catastrophe-history database right at your fingertips. It offers you a flexible delivery method that gives you fast, easy access to severe weather and catastrophe incident information from as far back as 1950.