Policy Language

For more than 40 years, ISO’s Farm Insurance Program has helped protect our nation’s growers from the risks of living and working off the land. But in that time, the roles of farmers and the exposures they face have changed dramatically. Today, farmers aren’t just tending to crops and livestock
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.
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.
Targeted protection of businesses’ and employers’ assets against fiduciary-related claims of mismanagement of a company’s employee benefit plans.
ISO offers a broad array of specialty commercial lines insurance programs that make it easy for you to enter and compete in new markets. Each program gives you standardized ISO policy forms and endorsements, manual rules, advisory loss costs, and related information.
ISO’s Lawyers Professional Liability Program was designed to fit the legal liability coverage needs of small and medium-sized law firms as well as solo practitioners. Our lawyers professional liability products provide industry benchmark standardized policy forms, optional and mandatory endorsements, an advisory application, and manual rules and advisory loss costs.
ISO’s Insurance Agents and Brokers Professional Liability Program protects your client’s agency and employees for alleged errors or omissions in performing professional services for policyholders and customers.
ISO’s Miscellaneous Professional Liability Program provides a wide variety of professional service providers with worldwide coverage for wrongful and negligent acts.
To safeguard your clients from management-related exposures, ISO’s Not-for-Profit Management Liability Program offers protection from a wide range of risks, including executive liability (directors and officers liability).
The ever-increasing complexities of real estate transactions and the rising use of litigation mean your clients need access to a professional liability program that protects them against the financial effects of liability lawsuits in the event of allegations of errors and omissions.
ISOnet — the Internet information service for insurance professionals — now offers complete information from ISO's personal lines manuals. When you subscribe to ISOnet Insurance Line Services, you automatically get online access to viewable personal lines manuals for the lines of insurance and states you're entitled to receive.
ISO's Multi-Line Class Table Database is a fast and efficient electronic system that helps you determine the correct class codes to use in rating and coding commercial lines policies. ISO is replacing the combined Commercial Lines Classification Table with individual line-of-insurance classification tables. Each line-of-insurance rules manual will now contain monoline classification information for the relevant line.