General Liability Insurance

The ISO Market Landscape™ dashboard visualizes your company's results and compares them to statistics from ISO's database⎯one of the largest property/casualty insurance databases in the world.

When you order a General Liability Survey, a Verisk field rep visits the site to collect underwriting information about bodily injury and property damage liability 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. You'll find an integrated state insurance manual (SIM) for each ISO line of business and jurisdiction. The manual includes all applicable rules, state exceptions, loss costs, policy forms, and endorsements.

General Liability Classification Guide The General Liability Classification Guide is a comprehensive tool to help insurance professionals apply correct general liability classifications. ISO's Premium Audit Advisory Service (PAAS ® ) — your leading resource for premium audit and classification information — offers this complete manual on classifying GL risks. The...

ISO's Query Commercial Classification Code (QC3) is an online lookup tool for underwriters, actuaries, and risk managers. With QC3, you can find the correct commercial classification code for workers' compensation or general liability in a specific jurisdiction or in reference to a North American Industry Classification System (NAICS) or Standard Industry Classification (SIC) code. Each search of the system displays a report that cross-references the related workers' compensation, general liability, NAICS, and SIC codes.

Data Compilations by Line of Insurance ISO offers a variety of standard data compilations in machine-readable formats, providing information about the major lines of insurance. ISO's database is the property/casualty insurance industry's best, most comprehensive source of information for pricing, loss reserving, and strategic planning. The database provides a benchmark...

With the detailed information in ISO's Excess Layer Loss Development Manuals, you can develop losses and payout patterns for excess layers and compare those patterns to ISO aggregate excess loss development patterns.

The ALAE Size-of-Loss Distributions model provides tables of loss and allocated loss adjustment expenses for 94 lines of insurance within the general liability, commercial auto and medical/professional lines.

PAAS Classification Guides Accurate classification of risks is an indispensable part of the premium audit process. Risk classification is also essential to underwriting and rating. To help you classify general liability and workers' compensation risks, ISO's Premium Audit Advisory Service (PAAS ® ) has developed more than 40,000 classification guides....

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. The library also contains a collection of policywriting support forms that can help you satisfy legal requirements and administer your insurance programs.

To manage your company's policy forms and endorsements — and to ensure compliance with state regulations — you need ISO's Forms Information/Report System (FIRST). Available through ISOnet — the information service for insurance professionals — FIRST gives you reports showing the effective dates, expiration dates, and state applicability information for multistate and state forms and endorsements.

Whether you're a small, medium, or large insurer, you can cover your customers with the ISO Commercial Umbrella Program. 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.