Policy Language

ISO's Agri-CAP (Agricultural Capital Assets Program) is an output policy providing broad coverages and pricing flexibility for medium-sized and large farms and agricultural-related businesses. We've designed Agri-CAP — which includes policy forms, endorsements, rules, and loss costs — to meet the requirements of today's customer.
ISO's Capital Assets Program is an output policy that helps you provide superior coverage and flexible pricing for medium-sized to large manufacturing, industrial, habitational, commercial, retail, wholesale, service, contractors, and institutional risks.
ISOnet — the information service for insurance professionals — offers you access to all ISO circulars issued since January 1, 1995. Every day, ISO circulars give you vital information on industry developments and ISO activities. Circulars deliver information on ISO filings for loss costs, rules, forms, and statistical plans, as well as actuarial data and analysis and other important insurance topics.
ISO’s Commercial Inland Marine Program gives you access to information for both filed and nonfiled classes of business.
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.
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.
Crime and Fidelity Insurance Program The median loss for occupational fraud in the United States is $120,000. 1 ISO’s Crime and Fidelity Insurance Program provides standardized ISO policy forms and endorsements, manual rules, advisory loss costs, and related information to help protect businesses and government entities against: employee theft and...
ISO's Electronic Forms on Disc (EFD) is a database of policy forms and endorsements for all ISO lines of business. You can view and print the ISO forms, modify or customize them, and integrate them into your own policy-issuance system. Your initial order of EFD comes on CD-ROM. Then, you get customized weekly updates through your own secured ISOnet mailbox.
Employment-Related Practices Liability 7 OUT OF 10 businesses don’t buy EPLI. 1 The ISO Employment-Related Practices Liability Program includes policy forms, manuals, and loss costs that can help you provide coverage for the gap in employment-related-practices exposure that many companies face. Key highlights: legal defense for the insured coverage for...
Fiduciary Liability Program Targeted protection of businesses’ and employers’ assets against fiduciary-related claims of mismanagement of a company’s employee benefit plans. The Fiduciary Liability Program covers the legal expenses of defending against the claim, as well as the financial losses the plan may incur due to errors, omissions, or breach...
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.
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.