Robust and reliable loss costs data is part of the critical resources needed to build a strong business.

Just as steel and concrete compressed with fine particles can form high-strength superstructures, ISO's Loss Costs are the powerful, granular raw materials that can help build the framework for solid pricing.

Loss costs by the numbers:



pricing circulars a year



statistical records processed every year



records drive loss cost development



year steward of industry data


Unrivaled data assets to build from:

  • Industry-leading loss cost data sets
  • State-regulator approved*
  • Timely, validated data to help make informed decisions
  • Trusted benchmark and trend resource to support pricing accuracy

*Where applicable

The strength of ISO Loss Costs:

  • Reduce internal underwriting and marketing biases with aggregated data
  • Calculate profitability targets, negotiate reinsurance, and determine loss reserves
  • Search granular data by coverage, state, territory, and class
  • Consult ISO’s renowned, dedicated actuarial team to help answer your questions
  • Leverage ISO Loss Costs to help reduce the compliance and regulatory burden


How to get ISO Loss Costs faster

Need speedy access to ISO Loss Costs data? The new ISO Consolidated Loss Costs Download tool lets insurers download ISO Loss Costs directly as Microsoft Excel files, save searches, and run historical comparisons. Learn how the ISO Loss Costs Download tool can help you boost efficiency and reduce errors when working with ISO Loss Costs data.

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What you should know about the not-so-secret sauce of ISO Loss Costs

Read how ISO Loss Costs help support a successful property/casualty insurance business.

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Trusted answers built upon deep, granular data

At the core of ISO Loss Costs is one of the world’s largest insurance-specific databases. Representing nearly three quarters of industry premium for commercial lines and one third for personal lines, this database provides a solid foundation for developing benchmarks, complements of credibility, and rating insight.

Learn more about ISO Statistical Service