Policy Language and Rules

In today’s rapidly changing insurance market, you can’t waste time searching through policy language that’s obsolete. You also can’t afford to base premiums on loss costs that haven’t been updated in years. To help you make the best decisions about risk, you need the latest information and tools at your fingertips.
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.
Fiduciary Liability Program Targeted protection of businesses’ and employers’ assets against fiduciary-related claims of mismanagement of a company’s employee benefit plans. The Fiduciary Liability Program covers the legal expenses of defending against the claim, as well as the financial losses the plan may incur due to errors, omissions, or breach...
Employment-Related Practices Liability 7 OUT OF 10 businesses don’t buy EPLI. 1 The ISO Employment-Related Practices Liability Program includes policy forms, manuals, and loss costs that can help you provide coverage for the gap in employment-related-practices exposure that many companies face. Key highlights: legal defense for the insured coverage for...
Specialty Commercial Lines Programs 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 specialty commercial lines...
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.
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. Each line-of-insurance rules manual will now contain monoline classification information for the relevant line.
ISO's Motor Carrier Digest is your guide to insurance requirements for common, contract, and private carriers of passengers and property. In one convenient manual, you get a comprehensive analysis of state and federal regulations related to liability insurance for trucks, buses, taxicabs, public and private livery vehicles, and other vehicles for hire.
Medical Professional Liability 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. If you write liability insurance for doctors or hospitals, ISO's simplified medical professional liability program can offer...
Management Protection (D&O) 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). We’ve designed the program to meet the requirements of public and private for-profit corporations, including financial institutions. It provides access to...
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.