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.
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.
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.
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.
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.
Regulations and reporting requirements change constantly. Verisk’s data managers and regulatory experts can help you stay compliant in this challenging landscape.Learn more
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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.
Automate your insurance programs with actionable electronic rating content directly from Verisk.
Aggregate premium and loss experience data, on a granular level, to help you make important decisions about your portfolio.