Underwriting Info | Commercial

LightSpeed™ Commercial leverages Verisk’s data and analytics solutions to provide automation, speed, accuracy, efficiency, and increased throughput for decisions that support risk rating and underwriting.

Underwriting cyber coverage is hard—and the challenges are only increasing as the world becomes more interconnected. Verisk’s Cyber Underwriting Report offers a solution.

Get more reliable, component-based replacement cost estimates that account for virtually all material and labor required to rebuild with Verisk’s 360Value for commercial lines.

A filed loss cost is a powerful driver of underwriting and pricing, helping you determine adequate premium. Our Loss Cost Quote Report helps you beat the competition with reliable loss cost, rating, and risk selection information.

Visual information is often key to helping you understand potential risk and price policies accurately. Verisk’s PhotoPak gives you full-color photographs of commercial properties and surrounding exposures along with other valuable data.

The Sprinkler Assessment Report is an objective engineering review that gives you accurate estimates of the sprinkler system’s ability to contain fire spread for the specific hazards of occupants in the building.

The 2019 Verisk Wildfire Risk Analysis determined the number and percentage of properties at high and extreme risk from wildfire in the most wildfire-prone western U.S. states and Canadian provinces.

The level of fire protection for a given property can be a moving target—and you might miss it if you’re looking only at distance to the nearest fire station. Public Protection Classification (PPC) gives you a tool that’s nine times more predictive of loss than distance alone.

ISO DataCube™ provides aggregate premium & loss experience data, on a granular level, to help you make important decisions about your portfolio.

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 has allied with Experian Business Information Services to bring you business credit, financial, and public-records information. The data will help you evaluate new and renewal business and make better underwriting decisions.

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.

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.

An ISO Sprinkler Plan Review gives you an unbiased evaluation of a planned sprinkler system — before the building goes up or the system goes in. Submit a sprinkler plan to ISO for analysis.

When you order a Multiline Survey about a commercial risk, a Verisk field rep visits the site and collects the information you need about conditions and hazards, and alert you to potential high-risk exposures.