Services for Personal Lines Actuaries

With information from ISO's aggregate database, the Personal Automobile ZIP Code Profiles give you the latest five years of premium and loss experience by ZIP code for each combination of year, coverage (such as bodily injury, property damage, personal injury protection, collision, and comprehensive), and state.

With information from ISO’s aggregate database, the Dwelling Fire & Allied Lines ZIP Code Profiles with Cause of Loss give you the latest five years of premium and loss experience by ZIP code for each type of coverage combination (Fire — Buildings, Extended Coverage* — Buildings, Fire — Contents, and Extended Coverage — Contents).

With information from ISO's aggregate database, the Homeowners ZIP Code Profiles give you the latest five years of premium and loss experience by ZIP code for each type of policy form (owners, condominium, and tenant).

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.

Enhance the precision of your homeowners rating with by-peril analysis. With the new Homeowners By-Peril Rating Supplement, you’ll now be able to evaluate the perils that pose the greatest risk for policies in your homeowners book of business and rate the exposure more accurately.

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.

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. And ISOnet has powerful search features — plus user-friendly navigation and hypertext linking — to put a huge collection of ISO information right at your fingertips.

ISO's Personal Lines Customized Reports and Analyses provide accurate, timely information for insurance companies and others who want to assess the market for personal auto, homeowners, and other personal lines of insurance.

ISO Risk Analyzer Homeowners is a powerful analytic tool that uses predictive modeling to examine hundreds of indicators that can affect your homeowners risks and predict the noncatastrophe portion of expected losses at the policy level by peril.

FlatCat provides a discrete delivery method for catastrophe data from PCS. Each day your company will receive an encrypted flat data file including catastrophe serial numbers, dates of occurrence, states affected, types of catastrophes and perils, and all loss estimates.