Digital auto insurers own the future as buyers evolve, new devices raise expectations, and new competitors emerge. LightSpeed leverages innovative, next-generation data resources to deliver a seamless customer experience.
Our suite of sophisticated reporting tools provides insurers with vital vehicle information, including Personal Auto Rating Symbols, current and historical registration information, and real-time driver violation activity.
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 vehicle identification number (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. Like all ISO products and services, Personal Auto Physical Damage Rating Symbols are advisory. You may use them without modification, modify them, or choose not to use them.
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. Unlike ISO’s Personal Auto Physical Damage Rating Symbols, LPMP Symbols are not specific to model year.
If you're looking for a quick, cost-effective alternative to traditional on-site surveys, ISO's new TeleUnderwriting Service may be the answer. Specially trained ISO staff will conduct telephone surveys and provide an electronic or paper report that details the business processes, physical characteristics, and exposures for commercial properties.
You can cut your operating costs overnight with ISO's new customized services for collecting and delivering site-specific risk information. ISO now performs a wide range of tasks — such as looking up loss-cost quotes or a risk's distance to water — and delivers the information directly to you.
CMC Manual Plus is an electronic version of the ISO Community Mitigation Classification Manual — and more. Delivered to you through ISOnet — the information service for insurance professionals — CMC Manual Plus gives you timely information, including Public Protection Classifications (PPCTM) 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. And policyholders may forget to disclose important information, such as lapses in registration or shared ownership of a vehicle.
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.
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 North American Industry Classification System (NAICS) or Standard Industry Classification (SIC) code. Each search of the system displays a report that cross-references the related workers' compensation, general liability, NAICS, and SIC codes.