Policy Programs

Management liability insurance traditionally has been purchased by public companies. ISO’s private company management liability program is designed specifically to address the needs of private firms.

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.

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.

ISOnet 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.

If you write liability insurance for doctors or hospitals, ISO's simplified medical professional liability program can offer you comprehensive coverages and optional endorsements that address the needs of today's marketplace.

To safeguard your clients from management-related exposures, ISO’s Management Protection Program offers protection from a wide range of risks, including executive liability (directors and officers liability).

The ISO Motorcycle Program — the first such standardized program in the industry — is a specialized program that consists of forms, rules, and loss costs tailored to fit the specific requirements of insuring a motorcycle.

ISO’s Commercial Inland Marine Program gives you access to information for both filed and nonfiled classes of business.

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.

To manage your company's policy forms and endorsements — and to ensure compliance with state regulations — you need ISO's Forms Information/Report System.

To meet the varied needs of banks and other types of financial institutions, ISO delivers the Financial Institutions Program as a comprehensive package of policies, with separate limits and deductibles to meet the specific needs of all your banking and financial institution customers.

ISO’s Crime and Fidelity Insurance Program provides standardized ISO policy forms and information to help protect businesses against employee theft, forgery, and other workplace crimes.

ISOnet — the information service for insurance professionals — offers you access to all ISO circulars issued since January 1, 1995. ISO circulars deliver information on ISO filings for loss costs, rules, forms, and statistical plans.

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.

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 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.

To help you satisfy legal requirements and administer your insurance programs, ISO offers a collection of policywriting support forms. The forms include cancellation/nonrenewal notices, lost-policy releases, certificates of insurance, UM/UIM/PIP selection/rejection forms, claim forms, first reports of injury, loss notices, applications and fraud warnings.

ISO Court Report is a web-based service that offers you summaries of court decisions affecting property/casualty insurance — together with ISO staff commentary on those cases.