Rules

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.
Capital Assets Program 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. Here's what you get We've designed the program — which includes policy forms, endorsements, rules,...
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.
Commercial Inland Marine ISO’s Commercial Inland Marine Program gives you access to information for both filed and nonfiled classes of business. Capitalize on opportunity in the marketplace with the many commercial inland marine forms and endorsements available from ISO. Our product offerings enable you to provide truly customized solutions for...
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.
Commercial Umbrella Program | Forms, Rules, Rating Procedures 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...
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 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...
Management Protection (D&O) 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). We’ve designed the program to meet the requirements of public and private for-profit corporations, including financial institutions. It provides access to...
Medical Professional Liability 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. If you write liability insurance for doctors or hospitals, ISO's simplified medical professional liability program can offer...
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.
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.