Personal Underwriting Information

Gain greater insight into the vehicles you insure. Learn how vehicles are equipped right from the factory by using the full 17-digit vehicle information number (VIN).

OneXperience provides inspection options so insurance carriers can engage digitally with customers to obtain quick, cost-effective access to accurate, current property risk data.

Understanding claims history is critical to accurate initial quoting, but to save money, many insurers delay ordering loss history data until just before bind. Verisk can deliver customizable loss history options at point of quote to help optimize expenses.

Speed to market with accurate pricing is vital. You need to underwrite and quote coverage fast, or you’ll lose out to the competition. The loss cost, rating, and risk selection information available through our ProMetrix® suite of services lets you price policies accurately and get quotes to customers quickly.

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.

Reliable replacement cost estimates are essential to protect customers. These customers are beginning to demand a new way of doing business that puts the estimation process in their hands. 360Value helps property insurers meet evolving customer expectations, while maintaining rating integrity.

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’s Personal Auto Physical Damage Rating Symbols are codes that indicate the relative risk of loss for each private passenger vehicle series and each model year. Each Symbol has a corresponding Symbol relativity, or factor, that you can use to develop premiums for individual comprehensive and collision policies.

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 Homeowners Section II Loss Development Information provides loss development factors and the underlying data for Homeowners Section II losses—the liability losses covered by homeowners policies.

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.

Verisk offers a fast, accurate way to get information on building code enforcement with Building Code Effectiveness Grading Schedule (BCEGS) codes for commercial and personal lines. We also provide jurisdiction names and effective years for risk addresses in all states except Idaho and Washington, D.C.

Using predictive modeling to examine environmental indicators that can affect personal auto risks, the environmental module can predict expected losses for your risks at the policy level by major coverage.

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.

Coverage Verifier Auto provides personal auto insurers with the policy-level information they need to make better risk selection and pricing decisions. The system reveals much more than just the basic facts about existing and previous coverages on insureds.

Wildfires have increased dramatically during the past decade. Loss exposure will continue to increase as the wildland-urban interface (WUI) is further developed and human impacts on climate unfold. With deeper understanding of these effects, you can underwrite and manage your wildfire exposure with greater insight.

RISK:check Renewal is a sophisticated system that can help you uncover flaws in rating data quickly and efficiently. It helps you correct costly errors and restore profitability to your auto book of business.

Advances in geospatial and remote sensing technology offer insurers more ways to learn about property risks in greater detail than ever before. Traditionally, an onsite inspection has been the most reliable way to validate property characteristics, yet they can be costly, time-consuming, and disruptive to the policyholder. 360IntelliView gives you...

RISK:guard is a unique tool to help preserve rating integrity in the most cost-effective manner during the second and subsequent years of a multiyear RISK:check Renewal/Precision Reunderwriting program.

MileageConfirm is a solution to help you establish accurate annual mileage and/or commute estimates at the point of sale or point of quote. The expert system places advanced predictive analytics at the front end of new-business transactions for private passenger auto insurance.