Product Development Professional

Management liability insurance traditionally has been purchased by public companies. ISO’s private company management liability program is designed specifically to address the needs of private firms.

ISO MarketStance helps insurers distill and synthesize geographic, industry, and size-of-business data into reports and visualizations to support decision making and grow profitably amid the complexity of the insurance market.

The ISO Market Landscape™ dashboard visualizes your company's results and compares them to statistics from ISO's database⎯one of the largest property/casualty insurance databases in the world.

To meet the needs of today’s farms, we’re revising all of our coverage forms and more than half of our endorsements and introducing 20 new endorsements to cover a wide range of exposures.

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.

Information is the lifeblood of risk and capital management, especially for catastrophes and weather events. With PCS, you'll get immediate access to the severe weather data you need to manage your business effectively and efficiently.

ISO's PSOLD is the only source of the most current, comprehensive loss history information available for commercial property risks.

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 ALAE Size-of-Loss Distributions model provides tables of loss and allocated loss adjustment expenses for 94 lines of insurance within the general liability, commercial auto and medical/professional lines.

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.

ISOnet 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.

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).

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.

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 — the information service for insurance professionals — offers you access to all ISO circulars issued since January 1, 1995. ISO circulars deliver information on ISO filings for loss costs, rules, forms, and statistical plans.

ISO's Capital Assets Program is an output policy that helps you provide superior coverage and flexible pricing for medium-sized to large manufacturing, industrial, habitational, commercial, retail, wholesale, service, contractors, and institutional risks.

ISO's Agri-CAP (Agricultural Capital Assets Program) is an output policy providing broad coverages and pricing flexibility for medium-sized and large farms and agricultural-related businesses. We've designed Agri-CAP — which includes policy forms, endorsements, rules, and loss costs — to meet the requirements of today's customer.

ISO's Homeowners Section II Loss Development Information provides loss development factors and the underlying data for Homeowners Section II losses—the liability losses covered by homeowners policies.

ISO’s Actuarial Service provides the information you need to enhance your decision making and boost your productivity and profitability. Using ISO’s data to supplement your own experience, you’ll be able to make better-informed decisions about product pricing, marketing, underwriting, reserve adequacy, and reinsurance needs.

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.

Whether you use ISO material as provided—or modify it to suit your needs—ISO Suite+TM can improve the way you manage and distribute insurance information in your organization.

ISO Loss Cost Customizer is a software tool that helps you manage revisions to ISO's advisory prospective loss costs. You can easily evaluate the effect of an ISO revision on your own book of business and modify the loss costs to suit your company's needs.

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.

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.