Policy Language and Rules

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.

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.

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.

Targeted protection of businesses’ and employers’ assets against fiduciary-related claims of mismanagement of a company’s employee benefit plans.

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).

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.

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.

ISO’s Crime and Fidelity Insurance Program provides standardized ISO policy forms and information to help protect businesses against employee theft, forgery, and other workplace crimes.

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.

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.