Underwriter (Personal)

OneXperience provides inspection options so insurance carriers can engage digitally with customers to obtain quick, cost-effective access to accurate, current property risk data.

Understanding claims history is critical to accurate initial quoting, but to save money, many insurers delay ordering loss history data until just before bind. Verisk can deliver customizable loss history options at point of quote to help optimize expenses.

Reliable replacement cost estimates are essential to protect customers. These customers are beginning to demand a new way of doing business that puts the estimation process in their hands. 360Value helps property insurers meet evolving customer expectations, while maintaining rating integrity.

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.

ISO’s Personal Auto Physical Damage Rating Symbols are codes that indicate the relative risk of loss for each private passenger vehicle series and each model year. Each Symbol has a corresponding Symbol relativity, or factor, that you can use to develop premiums for individual comprehensive and collision policies.

ISO’s Liability and PIP/Medical Payments (LPMP) Symbols are codes that indicate the relative risk of loss for each private passenger vehicle series. Each Symbol has a corresponding Symbol relativity, or factor, that you can use to develop premiums for liability and PIP/medical payment coverage.

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 Query Commercial Classification Code (QC3) is an online lookup tool for underwriters, actuaries, and risk managers. With QC3, you can find the correct commercial classification code for workers' compensation or general liability in a specific jurisdiction or in reference to a NAICS or SIC code.

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.

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.

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.

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.

Auto liability insurance reporting requirements (ALIR) are a compliance expenditure with ever-changing, state-specific demands and little return for insurers. CV-ALIR is a cost-efficient, once-and-done way to meet your ALIR obligations, free up valuable resources, and get off the compliance treadmill.

Coverage Verifier Auto provides personal auto insurers with the policy-level information they need to make better risk selection and pricing decisions. The system reveals much more than just the basic facts about existing and previous coverages on insureds.

Advances in geospatial and remote sensing technology offer insurers more ways to learn about property risks in greater detail than ever before. Traditionally, an onsite inspection has been the most reliable way to validate property characteristics, yet they can be costly, time-consuming, and disruptive to the policyholder. 360IntelliView gives you...