Product Development Professional

For more than 40 years, ISO’s Farm Insurance Program has helped protect our nation’s growers from the risks of living and working off the land. But in that time, the roles of farmers and the exposures they face have changed dramatically. Today, farmers aren’t just tending to crops and livestock

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.

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.

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...

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 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.

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 patterns.

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 — the Internet information service for insurance professionals — now 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.