Products for the Insurance Market
Products
360Value Commercial
Get more reliable, component-based replacement cost estimates that account for virtually all material and labor required to rebuild with 360Value for commercial lines.
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360Value Personal
360Value Personal helps property insurers meet evolving customer expectations, while maintaining rating integrity.
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A-PLUS Commercial
The A-PLUS Commercial contributory database is the largest claims repository to help underwriters make profitable pricing decisions with automated loss runs.
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A-PLUS Personal Lines Loss History Solutions
Understanding claims history is critical to accurate initial quoting, but to save money, many insurers delay ordering loss history data until just before bind.
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Actuarial and Strategic Data Insights
Verisk’s Actuarial and Strategic Data Insights helps insurers enhance their decision making and boost productivity and profitability.
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Aerial Imagery Analytics
Verisk’s insights from high-resolution aerial photos, with full imagery for the top 150 major metropolitan areas, can help insurers validate and correct property data.
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Avocation Model
Our Avocation Model uses licensing and marketing data to identify the high-risk hobbies that an applicant engages in and scores the resulting mortality risk in the form…
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Benchmark
Benchmark™ provides underwriting & claims teams with quick, accurate reports/maps for hail, wind, & lightning.
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Building Fundamentals
Verisk’s Building Fundamentals provide property information from tax assessor and modeled data with 100 percent fill rate for five primary property characteristics.
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Building Underwriting Report
You can immediately gain a competitive advantage when you understand which properties fit your underwriting guidelines and which require more intensive review.
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Capital Assets Program
Verisk's Capital Asset output program provides standardized forms, rules, and loss costs that help insurers cover complex commercial property risks.
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Case Manager
Manage all investigative, intelligence, and regulatory functions of fraud cases with a fully configurable fraud management solution.
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Casualty Underwriting Advantage Report
With just a business name and address, this report delivers actionable insights to inform eligibility, risk selection, underwriting, and pricing.
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Change Detection
Change Detection reveals events that shift an insured property’s risk profile to help you capture accurate premium, underwrite to your risk appetite, and stay profitable.
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Circulars on ISOnet
ISOnet Circulars deliver critical information for insurance professionals on industry developments and Verisk product news.
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ClaimAlert
ClaimAlert: Foreclosure lets you know when a claimant has a property in foreclosure, giving you the opportunity to further investigate a loss and mitigate risks.
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ClaimDirector
Fight claims fraud with the power of predictive analytics and leverage accurate claim scores to expedite meritorious claims for settlement.
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ClaimSearch
Get essential data to identify subrogation opportunities faster, initiate the recovery process, and improve customer satisfaction.
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ClaimSearch Accelerator for Guidewire
ClaimSearch customers can seamlessly access the platform via Guidewire ClaimCenter with this accelerator.
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ClaimXperience
ClaimXperience is a collaborative, claims handling platform that lets you connect to your policyholder early and exchange constant updates with the whole claims team.
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Commercial Inland Marine
Verisk's Commercial Inland Marine Program provides the insurance forms, rules, and advisory loss costs to help insurers underwrite mobile property risks.
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Commercial Property Size-of-Loss Database
ISO’s PSOLD™ is the most current and comprehensive loss history database for commercial property risks.
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Commercial Property Surveys and Inspections
Verisk's on-site surveys and inspections provide objective information on commercial or residential properties and their potential exposure to loss.
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Commercial Umbrella Program
Use the the ISO Commercial Umbrella Program to go above and beyond for customers who need higher coverage limits.
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Compliance Solutions
Save time and increase efficiency by automatically satisfying federal and state claims reporting compliance requirements through ClaimSearch.
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ContentsTrack
ContentsTrack simplifies and automates cataloging, categorizing, and tracking personal property that needs to be stored, cleaned, or replaced.
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Crime and Fidelity Insurance Program
Standardized ISO policy forms and information to help protect businesses against employee theft, forgery, and other workplace crimes.
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CV-ALIR
CV-ALIR is the simplest way to satisfy your statutory obligations to report automobile coverage to state departments of motor vehicles (DMVs).
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CV-Exchange
CV-Exchange helps you streamline your processes for loss payee notifications, additional-insured notifications, and producer notifications.
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CV-VaaS
Overcome the lender/nonstandard insurer communication breakdown with a solution to translate and aggregate key identifiers that connect loan, policy, and claim numbers.
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Cyber Insurance Program
The ISO Cyber Insurance Policy Program contains the cyber insurance forms, rules, advisory loss costs, and ratings-related information for a cyber insurance offering.
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Data Driven Safety
Verisk acquires Data Driven Safety to further expend auto data and analytics solutions.
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Data Management Services
Verisk’s Data Management Services offers the expertise and strategic focus you need to help streamline data management and improve data quality.
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Decision Net
Find critical data to complete claims quicker, spot potential fraud, and fill in gaps to improve decision-making.
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Discount Alert
Discount Alert turns connected cars into a new acquisition and growth channel for usage-based insurance with precision targeting enabled by telematics data
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Driver Feedback
Driver Feedback uses a loss-based predictive model to give drivers a personalized view of their driving risk and helpful feedback across a range of user interfaces
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Driving History Solutions
Verisk driving history solutions deliver motor vehicle reports quickly. Indexes of activity help guide MVR spending. And driver monitoring catches adverse changes early.
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Driving History Solutions for Life Insurers
Self-reported driving histories are subject to omissions that can distort a critical underwriting factor.
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DrivingDNA Data
DrivingDNA Data allows auto insurers to use multisource telematics data attributes and mileage from connected cars for usage-based insurance rating and pricing
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DrivingDNA Lab
The DrivingDNA Lab gives auto insurers a secure environment to study the lift from telematics, supporting rapid insight creation using data from existing policyholders
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DrivingDNA Mileage
DrivingDNA Mileage delivers verified, timely odometer readings and mileage insights from connected cars, helping you improve rating integrity and enabling premium lift
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DrivingDNA Score
The DrivingDNA Score is a predictive model and corresponding rating rule that uses telematics data for usage-based insurance risk segmentation and pricing precision.
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EHR Triage Engine
Electronic health records can point the way to straight-through processing and a modernized, digitized customer experience
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Emerging Issues
Verisk Emerging Issues monitors more than 40 emerging risks and trends to help you address critical developments affecting insurance—both now and in the future.
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Employment-Related Practices Liability
The ISO Employment-Related Practices Liability Program helps you provide coverage for the gap in employment-related-practices exposure that many companies face.
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Engineering and Safety Service
ISO's Engineering and Safety Service is the leading provider of technical, legislative, and regulatory information for risk management and loss control.
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Enhanced Wind Rating Program
The reliable wind peril information quantifies an individual building’s resistance and exposure to wind damage.
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Enterprise Exposure Manager
Enterprise Exposure Manager is a new scalable cloud-native solution that enables (re)insurers to evaluate enterprise-wide risk.
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Estimated Loss Cost Quote Report
Get a quick, simple, and economical way to estimate both class-rated and specifically rated commercial loss costs with limited information.
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Fiduciary Liability Program
Targeted protection of businesses’ and employers’ assets against fiduciary-related claims of mismanagement of a company’s employee benefit plans.
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Financial Institutions Program
The Financial Institutions Program is a package of policies with separate limits and deductibles to meet the specific needs of your banking and financial customers.
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FireLine
FireLine provides property-specific wildfire hazard scores based on the risk factors of fuel, slope, and access, and identifies risks exposed to wind-borne embers.
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FlatCat Canada
FlatCat® Canada offers easy access to the entire PCS® catastrophe-history database of severe weather and catastrophe incident information back to 2009.
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For the Irish General Insurance Market
Industry-leading, value-added services focused on fraud detection, peer-to-peer market comparison, risk control, and process automation for the Irish market
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Forms, Rules, and Loss Costs
ISO Forms, ISO Rules, and ISO Loss Costs are standardized tools that insurers can use to cover and price risk in commercial and personal lines of insurance.
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Future Allocation Solutions
Achieve compliance, manage expenses, and meet Medicare demands for future medical allocations related to injury claims.
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GarageConfirm
GarageConfirm helps you identify and combat garaging fraud by tapping into DRN’s vehicle location database containing more than 4 billion license plate sightings.
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Global Building Underwriting Reports
The international community demands actionable and reliable underwriting data, something that’s been lacking in many regions.
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Hail Risk Assessment
Hail Damage Score assess the potential for pre-existing hail damage to a property. Hail Risk Score measures the likelihood of future damage over the short to medium term.
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Homeowner Data
Insurers can employ homeowner and property condition data to better identify risk and help flag properties that may require additional inspection.
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Hong Kong and Singapore Underwriters Advantage
Verisk’s Underwriters Advantage™ solution gives underwriters the property, public liability, and employees’ compensation data and analytics you need.
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Image Forensics Solutions
Uncover fraud and preexisting damage in customer-submitted and third-party loss photos with the new digital media database and image forensics in ClaimSearch.
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Inflection
Inflection is a trended-credit predictive analytics model providing a dynamic inflection point for risk segmentation.
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Insurance Agents and Brokers Professional Liability (E&O)
ISO’s Insurance Agents and Brokers Professional Liability Program protects your client’s agency and employees for alleged errors or omissions.
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Insurance Consulting
Actuarial support and ISO product consulting from Verisk actuaries and product experts.
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Insurance Lines Services
The information in this site is for ISO participating insurers. To access the information, you’ll need to enter your ISO Group Number and your NAIC company number.
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ISO DataCube
ISO DataCube™ provides aggregate premium & loss experience data, on a granular level, to help you make important decisions about your portfolio.
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ISO Education
ISO Education has over 100 e-learning courses available on-demand or hosted on your learning management system.
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ISO Electronic Rating Content
Automate your insurance programs with actionable electronic rating content directly from Verisk.
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ISO Home Healthcare Program
ISO Home Healthcare is a turnkey program covering a broad range of eligible professionals from home healthcare aides to nurses.
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ISO Market Landscape
The ISO Market Landscape™ dashboard visualizes your company's results and compares them to statistics from ISO's database.
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ISO Market Segments Program
Our insurance policy program provides insurance policy forms, rules, and advisory loss costs to help you serve customers in a variety of commercial market niches.
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ISO Motorcycle Program
The ISO Motorcycle Program provides ready-to-use tools to meet your needs, including by-coverage rating relativities, industry standard,policy forms, and rating codes.
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ISO Portal
The ISO portal is an easy-to-use online dashboard that can zoom in on loss costs and rating factors and help you make more informed pricing decisions.
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ISO Preferred Data Partnership
The ISO Preferred Data Partnership assists with insurance regulatory compliance, improving the quality and efficiency of insurance statistical data reporting.
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ISO Risk Analyzer
ISO Risk Analyzer is powered by granular data and predictive analytics to help insurers better compete in the auto, homeowners, and businessowners markets.
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ISO Risk Analyzer Businessowners
Accurately select and price your small business risks by providing you with a highly detailed look at how major perils affect the loss potential of those risks.
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ISO Risk Analyzer Commercial Auto
ISO Risk Analyzer Commercial Auto examines environmental factors and vehicle attributes to better understand risk and help drive your business forward.
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ISO Risk Analyzer Homeowners
ISO Risk Analyzer Homeowners uses sophisticated predictive modeling and refined by-peril ratings, so insurers can better align prices to risks.
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ISO Risk Analyzer Personal Auto
ISO Risk Analyzer Personal Auto uses powerful predictive analytics combined with highly granular data to help price auto insurance risks with laser precision.
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ISO Statistical Service
As a statistical agent ISO aggregates and submits data to regulators annually, on your behalf, in response to regulatory requirements.
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ISO Symbols
Symbols are based on the retail price of each vehicle and examined against actual loss experience for that vehicle for refinement and to develop more accurate premiums.
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ISOnet PCS
ISOnet® PCS® provides the insurance and risk management community with the primary source of information on catastrophes and weather incidents in the United States.
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Lawyers Professional Liability (E&O)
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.
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Liability Navigator
Leverage predictive analytics to achieve consistent and accurate injury evaluations and settlements, and improve comparative liability and subrogation.
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Lien Services
Decrease Medicare and Medicaid recovery demands and facilitate seamless, worry-free compliance with conditional payment services.
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Life Risk Navigator
Life Risk Navigator unifies workflows and data sources into a single, easy-to-use, and customizable platform, helping to add efficiency and simplicity to your business.
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LightSpeed Commercial
Innovation designed to enhance your underwriting processes and help improve profitability.
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LightSpeed for Homeowners
Using more data up front brings decision points forward in the workflow for better control of your underwriting and a great buying experience for homeowners.
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LightSpeed for Personal Lines
Bring decision points forward with more data up front. Gain better control of your underwriting and provide a great buying experience for personal lines insurers.
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LightSpeed Personal Auto
Digital auto insurers own the future as buyers evolve. LightSpeed leverages innovative, next-generation data resources to deliver a seamless customer experience.
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LightSpeed Small Commercial
With automated underwriting, shrink small commercial quote turnaround time from days to seconds with robust data-driven analytics and deep risk insights.
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LOCATION
Verisk offers risk-specific information representing every address in the U.S. to help you make superior underwriting & rating decisions.
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Loss Cost Quote Report
A filed loss cost is a powerful driver of underwriting and pricing, helping you determine adequate premium.
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Management Protection (D&O)
ISO’s Management Protection Program offers protection from a wide range of risks, including executive liability (directors and officers liability).
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MarketStance
MarketStance helps insurers distill and synthesize geographic, industry, and size-of-business data into reports and visualizations to support decision making.
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Medical Professional Liability
With ISO's simplified medical professional liability program, you'll find a range of options to tailor your policies to your specific risks.
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MedSentry
Uncover medical provider fraud, waste, and abuse in your medical billing data with predictive analytics and expert clinical analysis.
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MileageConfirm
As annual mileage increases, so does loss frequency. Accurate mileage matters, but many insurers struggle to capture it.
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Miscellaneous Professional Liability Program
ISO’s Miscellaneous Professional Liability Program provides a wide variety of professional service providers with worldwide coverage for wrongful and negligent acts.
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Mozart Form Composer
With Mozart, you can easily research, create, and edit policy wordings, helping you gain efficiencies in time to market for both new products and coverage updates.
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NetMap Analytics
Identify organized insurance fraud activity in your claims with network analytics built on robust industry data.
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New Commercial Auto Class Plan
The new ISO Commercial Auto Class Plan, effective starting early 2023, builds on both the current standard plan and enhancements in the Optional Class Plan.
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Not-for-Profit Management Liability (D&O)
To safeguard your clients from management-related exposures, ISO’s Not-for-Profit Management Liability Program offers protection from a wide range of risks.
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OneXperience for Commercial Property
Get quick, reliable data on commercial properties to help properly price policies instead of relying on site-unseen information.
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OneXperience for Personal Property
OneXperience is a self-inspection InsurTech tool offering live-feed video tours, virtual loss control, and customer collaboration.
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PCS
PCS® is the insurance industry’s trusted source for compiling and reporting estimates of catastrophic insured property losses.
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PCS APAC
The PCS APAC service investigates reported disasters in the APAC region and determines the extent and type of damage, dates of occurrence, and geographic areas affected.
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PCS Canada
PCS Canada provides fast, reliable catastrophe loss estimates to help insurers and reinsurers stay informed about the total costs of disasters.
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PCS Catastrophe Loss Index
PCS® estimates are triggers in many traded financial market instruments, including exchange-traded futures and options, catastrophe bonds, catastrophe swaps, and ILWs.
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PCS County-Level Losses
Access county-level industry loss estimates for catastrophes in all 50 states, as well as United States territories and possessions.
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PCS Data Delivery Suite
US-CAT is a web-based, graphical dashboard from PCS® that helps insurers and reinsurers analyze insured loss catastrophe data dating back to 1950.
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PCS Estimates of Insured Property Loss
PCS® is the only insurance industry resource for compiling and reporting estimates of insured property losses resulting from catastrophes.
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PCS FlatCat
FlatCat supplies the most up-to-date and relevant information about catastrophes and data on the insured losses to help you analyze catastrophes by state and storm type.
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PCS Global Aviation
PCS Global Aviation provides independent third-party industry loss estimates for worldwide aviation risk loss events of at least $50 million.
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PCS Global Cyber
PCS Global Cyber provides independent, third-party industry loss estimates for cyber risk loss events and cyber catastrophe events.
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PCS Global Large Loss
Independent estimates for global large loss events PCS Global Large Loss provides independent third-party industry loss estimates on large non-elemental risk loss…
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PCS Global Marine and Energy
This service investigates ocean marine and offshore energy insured loss events and produces loss estimates for insurers, reinsurers, and risk managers.
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PCS Global Terror
PCS® Global Terror provides independent, third-party industry loss estimates for terror risk and catastrophe loss events of at least $25 million worldwide.
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PCS Mexico
PCS Mexico provides catastrophe loss estimates and assigns serial numbers that help insurers track the losses from each catastrophe.
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PCS Turkey
PCS Turkey estimates keep insurers, their customers, regulators, and other interested parties informed about the total costs of disasters.
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Peril and Incident Report
Verisk’s Peril and Incident Report gives you the complete picture of a property’s risks, allowing you to set premiums more precisely.
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Premium Audit Advisory Service (PAAS)
ISO's Premium Audit Advisory Service is your source of technical information and training for premium auditors.
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Pricing Data Services
We research and report on pricing data from a variety of sources to ensure that no one party or industry has any undue influence on the pricing data we provide.
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Privacy and Security
From strict policies to test controls using SOC 2 Type 2 and SOC 3 reports ClaimSearch is committed to privacy and security of the industry's largest claims database.
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Private Company Management Liability
Private firms account for nearly 100 percent of all U.S. companies.* Do you understand the risks they face well enough to profitably seize the opportunity of insuring…
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ProMetrix Commercial Property
ProMetrix gives insurers 100% fill rates and high hit rates with a full picture for commercial properties through on-site, virtual, and modeled data.
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Property Details Report
Speed to market with accurate pricing is vital, but sometimes a detailed report based on an on-site inspection isn’t available.
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Public Protection Classification (PPC) Service
The level of fire protection for a given property can be a moving target—and you might miss it if you’re looking only at distance to the nearest fire station.
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Query Commercial Classification Code QC3
ISO's Query Commercial Classification Code (QC3) is an online lookup tool for underwriters, actuaries, and risk managers.
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RadiusCheck
RadiusCheck uses cutting-edge technology to take on-site photos of vehicles, matching them to vehicles in your portfolio.
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Real Estate Agents and Brokers Professional Liability (E&O)
The ever-increasing complexities of real estate transactions and the rising use of litigation mean your clients need access to a professional liability program.
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Relative Hazard Percentile
Relative Hazard Percentile uses an engineering formula to evaluate a building’s construction, occupancy, fire protection and exposure relative to state/national averages.
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Respond
Respond™ predictive analytics help you anticipate each storm’s effects more accurately to better manage response.
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Respond Weather Analytics to Predict Demand
Respond™ weather analytics and forecasting adds predictive analytics that correlate weather events to product demand for building materials.
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Reverse Phone Append
Reverse Phone Append can provide basic applicant information with a phone number. Streamline the point-of-sale process and serve your customers quickly and accurately.
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Risk Engineering Utility
Helping insureds improve their risk and lower projected loss costs is a powerful way to get an edge on your competition.
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Risk Improvement Recommendations
Get insights on building and occupancy hazards that help you reduce insured risks, control losses, and offer the most competitive quote.
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Risk Rating
Underwriting tools that provide the ability to incorporate medical risk assessment into insurance processes.
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RISK:check Suite
Are your applicants telling the truth? Take on premium leakage and underwriting fraud with data-driven insights across the policy life cycle.
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Roof Age
Roof Age from Verisk leverages multiple data sources to deliver personal lines insurers higher data coverage, accuracy, and reliability for improved risk assessment.
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Roof condition for personal property
A roof's condition can become a blind spot for insurers, with unidentified risk exposures leading to unexpected claims.
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Roof Solutions for Homeowners
Verisk’s Roof Solutions for Homeowners can help insurers identify high-risk exposures, reporting on key roof data points like age, condition, and weather data.
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Roof Underwriting Report for Commercial Risks
Verisk's Roof Underwriting Report helps provide critical information about roof risk using aerial imagery, artificial intelligence and machine learning.
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Section 111 Reporting
CMS reporting solutions enable insurers to identify and report Medicare recipients in claims and comply with ease.
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Small Commercial Micro-Businessowners program
Interested in micro-business risks? Learn more about Verisk's micro-business owners program and take advantage of a potential big opportunity in the microbusiness space.
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SmartSource
A positive customer experience starts with detailed property prefill combined with analytic tools to provide fast and reliable results.
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Sprinkler Assessment Report
Get accurate estimates of a sprinkler system’s ability to contain fire spread for the specific hazards of occupants in the building.
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Sprinkler Plan Review
An ISO Sprinkler Plan Review gives you an unbiased evaluation of a planned sprinkler system — before the building goes up or the system goes in.
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State Filing Forms
ISO's State Filing Forms is a collection of more than 1,200 forms from around the country, together with instructions on when and how to use them.
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State Filing Handbook
For more than 25 years, insurers have relied on the State Filing Handbook for compliance details on filing rates, rules, and forms in all jurisdictions.
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Subrogation Solutions
Get essential data to identify subrogation opportunities faster, initiate the recovery process, and improve customer satisfaction.
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Tobacco Usage Propensity Model
Tobacco Usage Propensity Model combines cutting-edge audio analytics with traditional and non-traditional data sources to indicate likelihood an applicant is a smoker.
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TrueVIN
TrueVIN gives insurers more detail on vehicles they insure, using build-sheet data and the 17-digit VIN to uncover standard features and factory-installed equipment.
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Underwriters Advantage
Underwriters Advantage is a single source of information that combines property-specific data from a wide variety of ProMetrix system reports.
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Undisclosed Driver Information
Undisclosed Driver Information taps public and proprietary data sources to help with hidden driver discovery in auto insurance. See how it can work for you.
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Vehicle Registration Reports
Vehicle Registration Reports give insurers complete and accurate information about the vehicles policyholders drive to calculate suitable premiums for automobile risks.
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Verisk’s Agricultural Capital Assets Program
Verisk’s Agricultural Capital Assets Program is a commercial output policy program for agricultural risks with forms, rules, loss costs, and rating-related information.
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Verisk’s Farm Insurance Program
The farm insurance forms, rules, loss costs, and rating-related information to drive your farm insurance business to greener pastures.
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VINMASTER
Determining the proper premiums for personal auto policies can be tricky business, especially for collision and comprehensive coverages.
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wcCapture
Accurate, cost-effective workers’ compensation data collection system for states looking to launch new EDI reporting initiatives or move to a new IAIABC release.
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wcNavigator
Use predictive analytics to accurately identify workers' comp claim severity as early as day one.
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wcPrism
Complete suite of solutions to help insurers save time and improve workers' compensation reporting accuracy.
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XactAnalysis
XactAnalysis is a powerful set of analytical and reporting tools for insurance claims and underwriting departments.
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XactContents
XactContents is available as a module within our Xactimate estimating software or as a completely online system.
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Xactimate
Xactimate is a software system for estimating the cost of repairs and reconstruction for residential and commercial structures.
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