Skip to Main Content

Forms, Rules, and Loss Costs

How closely are you tracking market trends, regulations, legislation, court cases, and industry-wide insurance premiums and losses?

It’s not always the best use of scarce resources. With ISO Forms, ISO Rules, and ISO Loss Costs, you can leverage powerful economies of scale and large aggregated datasets to help enhance operational efficiencies, power your product innovation, and pursue strategic opportunities.

ISO Forms

Iso Forms Policy Programs

ISO Forms

Developing and maintaining insurance policy forms requires monitoring emerging risk exposures, legislation, and regulatory trends in all of the states in which an insurer operates, and a deep expertise in crafting policy language.

Our forms offer insurers reliable, court-tested policy language that can help you cover today’s changing risk exposures across 29 lines of commercial and personal insurance. With a wide range of endorsements to address emerging risks and state-specific requirements, insurers have ample flexibility to tailor their products to their target markets and risk appetites.

ISO Rules

Iso Rules

ISO Rules

Understanding how to apply coverages, endorsements, premiums, deductibles, and discounts can be complicated. Insurers trust the rules available in the ISO Commercials Lines Manual and the ISO Personal Lines Manual to help them untangle it.

Developed by our actuaries and coverage experts and regularly updated in response to emerging trends and regulatory requirements, ISO Rules provide a blueprint for the successful implementation of ISO Insurance Policy Programs.


ISO Loss Costs

Iso Loss Costs

ISO Loss Costs

Credible, aggregated data is a critical ingredient for insurance pricing.

With ISO Loss Costs you gain access to pricing-related insights derived from billions of dollars of insured losses collected every year. Our team of actuaries analyze and develop raw statistical data contributed by hundreds of insurers to give you highly predictive loss costs that can be used as the basis for developing your prices, used for benchmarking purposes, and for product development.

Setting the standard, then and now

For 50 years, Verisk has been at the forefront of developing the foundational tools that allow insurers to cover and price risk with accuracy and confidence. Insurers can leverage our unrivaled statistical datasets, standardized and court-tested coverage forms, endorsements, and manual rules to offer new insurance products, quickly expand into new markets, and enhance their strategic position.

Filed and approved for use* in 50 states and four U.S. territories, and supported by government relations, actuarial, coverage, and legal experts, plus one of the largest databases of insurance statistics in the world, ISO Forms, ISO Rules and ISO Loss Costs, are the building blocks for hundreds of successful insurance products.

Build upon the foundation of our forms, rules, and loss costs

Statistical Services

Statistical Services

Regulations and reporting requirements change constantly. Verisk’s data managers and regulatory experts can help you stay compliant in this challenging landscape.

Learn more
Asdi Actuarial Insights

Actuarial and Strategic Data Insights

Verisk’s Actuarial and Strategic Data Insights helps insurers enhance their decision making and boost productivity and profitability.

Learn more

Additional insights


How to get ISO Loss Costs faster

Need fast access to ISO Loss Costs data? Learn how our new workflow tool can help.

Read the article
Gettyimages 1166079182 Teaser

Why we’re building the future of actuarial analysis in the cloud

Learn how the migration of ISO ratemaking systems to the cloud will deliver added value for Verisk customers.

Read the article

Heads up: Why ISO is letting you know about multistate filing implementations faster

Insurers will now learn about an ISO multistate filing sooner. Here's why that's a big deal

Read the article

Stronger together: ISO and insurer collaboration still makes sense today

Learn how ISO Core Line Services, the insurance policy program of forms, rules and loss costs, can make your business stronger.

Read the article

Contact Us to Learn More

Other Ways to Connect

We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:

  • Chat Now

    Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

  • Main Toll-Free: 1-800-888-4476

  • Global Toll-Free: International Access code, then 800 48977489
    When calling from the UK, please dial 00 800 4897 7489

You will soon be redirected to the 3E website. If the page has not redirected, please visit the 3E site here. Please visit our newsroom to learn more about this agreement: Verisk Announces Sale of 3E Business to New Mountain Capital.