Underwriting Info - Personal
Products
360Value Personal
360Value Personal helps property insurers meet evolving customer expectations, while maintaining rating integrity.
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A-PLUS Personal Lines Loss History Solutions
Understanding claims history is critical to accurate initial quoting, but to save money, many insurers delay ordering loss history data until just before bind.
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Actuarial and Strategic Data Insights
Verisk’s Actuarial and Strategic Data Insights helps insurers enhance their decision making and boost productivity and profitability.
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Aerial Imagery Analytics
Verisk’s insights from high-resolution aerial photos, with full imagery for the top 150 major metropolitan areas, can help insurers validate and correct property data.
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Auto History Score
Vehicles of the same year, make, and model can age differently over a lifetime of use. Vehicle history data can help provide additional segmentation.
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Change Detection
Change Detection reveals events that shift an insured property’s risk profile to help you capture accurate premium, underwrite to your risk appetite, and stay profitable.
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Circulars on ISOnet
ISOnet Circulars deliver critical information for insurance professionals on industry developments and Verisk product news.
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Condition Solutions
An ecosystem of data, imagery, and powerful analytics can help assess condition, age, upkeep, and even hidden damage of property features.
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Driving History Solutions
Verisk driving history solutions deliver motor vehicle reports quickly. Indexes of activity help guide MVR spending. And driver monitoring catches adverse changes early.
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DrivingDNA Data
DrivingDNA Data allows auto insurers to use multisource telematics data attributes and mileage from connected cars for usage-based insurance rating and pricing
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DrivingDNA Lab
The DrivingDNA Lab gives auto insurers a secure environment to study the lift from telematics, supporting rapid insight creation using data from existing policyholders
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DrivingDNA Mileage
DrivingDNA Mileage delivers verified, timely odometer readings and mileage insights from connected cars, helping you improve rating integrity and enabling premium lift
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DrivingDNA Score
The DrivingDNA Score is a predictive model and corresponding rating rule that uses telematics data for usage-based insurance risk segmentation and pricing precision.
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FireLine
FireLine provides property-specific wildfire hazard scores based on the risk factors of fuel, slope, and access, and identifies risks exposed to wind-borne embers.
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Forms, Rules, and Loss Costs
ISO Forms, ISO Rules, and ISO Loss Costs are standardized tools that insurers can use to cover and price risk in commercial and personal lines of insurance.
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Hail Risk Assessment
Hail Damage Score assess the potential for pre-existing hail damage to a property. Hail Risk Score measures the likelihood of future damage over the short to medium term.
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Homeowner Data
Insurers can employ homeowner and property condition data to better identify risk and help flag properties that may require additional inspection.
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Imagery Analytics
Advanced imagery analytics can accelerate processing and more uniformly capture key features, conditions, and hazards
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Inflection
Inflection is a trended-credit predictive analytics model providing a dynamic inflection point for risk segmentation.
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Insurance Consulting
Actuarial support and ISO product consulting from Verisk actuaries and product experts.
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ISO DataCube
Aggregate premium and loss experience data, on a granular level, to help you make important decisions about your portfolio.
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ISO Motorcycle Program
The ISO Motorcycle Program provides ready-to-use tools to meet your needs, including by-coverage rating relativities, industry standard,policy forms, and rating codes.
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ISO Risk Analyzer
ISO Risk Analyzer is powered by granular data and predictive analytics to help insurers better compete in the auto, homeowners, and businessowners markets.
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ISO Risk Analyzer Homeowners
ISO Risk Analyzer Homeowners uses sophisticated predictive modeling and refined by-peril ratings, so insurers can better align prices to risks.
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ISO Risk Analyzer Personal Auto
ISO Risk Analyzer Personal Auto uses powerful predictive analytics combined with highly granular data to help price auto insurance risks with laser precision.
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ISO Symbols
Symbols are based on the retail price of each vehicle and examined against actual loss experience for that vehicle for refinement and to develop more accurate premiums.
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LightSpeed for Homeowners
Using more data up front brings decision points forward in the workflow for better control of your underwriting and a great buying experience for homeowners.
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LightSpeed for Personal Lines
Bring decision points forward with more data up front. Gain better control of your underwriting and provide a great buying experience for personal lines insurers.
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MileageConfirm
As annual mileage increases, so does loss frequency. Accurate mileage matters, but many insurers struggle to capture it.
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OneXperience for Personal Property
OneXperience is a self-inspection InsurTech tool offering live-feed video tours, virtual loss control, and customer collaboration.
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Public Protection Classification (PPC) Service
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.
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Reverse Phone Append
Reverse Phone Append can provide basic applicant information with a phone number. Streamline the point-of-sale process and serve your customers quickly and accurately.
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RISK:check Suite
Are your applicants telling the truth? Take on premium leakage and underwriting fraud with data-driven insights across the policy life cycle.
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Roof Age
Roof Age from Verisk leverages multiple data sources to deliver personal lines insurers higher data coverage, accuracy, and reliability for improved risk assessment.
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Roof condition for personal property
A roof's condition can become a blind spot for insurers, with unidentified risk exposures leading to unexpected claims.
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Roof Solutions for Homeowners
Verisk’s Roof Solutions for Homeowners can help insurers identify high-risk exposures, reporting on key roof data points like age, condition, and weather data.
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SmartSource
A positive customer experience starts with detailed property prefill combined with analytic tools to provide fast and reliable results.
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TrueVIN
TrueVIN gives insurers more detail on vehicles they insure, using build-sheet data and the 17-digit VIN to uncover standard features and factory-installed equipment.
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Undisclosed Driver Information
Undisclosed Driver Information taps public and proprietary data sources to help with hidden driver discovery in auto insurance. See how it can work for you.
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Vehicle Registration Reports
Vehicle Registration Reports give insurers complete and accurate information about the vehicles policyholders drive to calculate suitable premiums for automobile risks.
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VINMASTER
Determining the proper premiums for personal auto policies can be tricky business, especially for collision and comprehensive coverages.
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Wildfire Risk
Wildfire risk assessment for property insurance is complex and draws on multiple fields of expertise to understand a peril with worldwide reach.
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XactAnalysis
XactAnalysis is a powerful set of analytical and reporting tools for insurance claims and underwriting departments.
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