Rating

Verisk's Atmospheric and Environmental Research (AER) business is a leading source of research and services that further understanding of the global environment and enable better decision making in response to weather and climate-related risk. Clients include U.S. military and civilian government agencies, as well as interests in the commercial, financial, energy, and insurance industries.
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...
ISOnet brings ISO's vast wealth of insurance information to you over the web. With ISOnet — the information service for insurance professionals — you can easily locate current and historical ISO documents, eliminating the time you'd waste tracking down misplaced or filed copies. And ISOnet has powerful search features — plus user-friendly navigation and hypertext linking — to put a huge collection of ISO information right at your fingertips.
ISO Electronic Rating Content ™ (ERC) Your jumpstart to automated ISO content For customers who utilize ISO’s advisory loss costs, rules and forms, we have your default rating solution – and it doesn’t require purchasing new rating software. ISO ERC is your jumpstart to automated ISO content – providing implementation...
Financial Institutions Program 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 Financial Institutions Program...
Now, with ISO IntegRater, insurers and managing general agents (MGAs) can get electronic data delivery of ISO loss costs and rating factors, in a delimited format for use in company databases and rating systems. Designed for insurance companies and MGAs, ISO IntegRater lets you input your own company rate information and use ISO's table format in conjunction with your own rating system.
ISO Risk Analyzer Commercial Auto You’re searching for solutions to improve the profitability of your commercial auto book while meeting demand for this expanding market. If you’re like many carriers, rate adjustments may have not provided the required lift needed to deliver profitability. To better estimate underwriting risk and calculate...
If your company writes commercial insurance, ISO's Commercial Lines Manual (CLM) and policy forms are probably the foundation on which you build your programs. But perhaps you modify ISO's manuals and forms to serve your competitive strategies, adding your own proprietary material and selecting your own effective dates. Whether you use ISO material as provided — or modify it to suit your needs — ISO Suite+ can improve the way you manage and distribute insurance information in your organization.
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.
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....
PAAS Rating Information To help premium auditors and reviewers in their day-to-day work, PAAS ® offers three publications that summarize important rating information state by state. Updated quarterly, the publications are available in electronic format only — distributed as attachments to e-mail, through PAAS on ISOnet or on the PAASbase...