Skip to Main Content

Need an easy way to make informed pricing decisions for your excess and surplus or reinsurance business?

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. The portal, designed for the excess and surplus (E&S) and reinsurance markets, provides access to ISO Loss Costs and serves as a “mini rating engine” for 17 different lines of insurance.

The portal offers multiple views of ISO Loss Costs and rating factors

Accessing Iso Loss Costs

The portal offers multiple views of ISO Loss Costs and rating factors

  • A heat map – a graphical representation of our loss costs on a map of the United States. For a set of selected criteria, the heat map offers statewide and national averages at a glance—along with the ability to drill down to territorial detail with a single click.

  • The class view – a tabular presentation of our loss costs for an individual class. This table also provides a link to the associated circular with detailed actuarial support for the loss costs. Underwriters can easily export any results to an Excel spreadsheet.

  • The state view – a tabular presentation of all of the classes in a selected state with the circular links and export features included.

Frequently asked questions

ISO Loss Costs are a tool that offers industry benchmark projections of average future claim costs and loss adjustment expenses — overall and by coverage, class, territory, and other categories.

You can use Verisk’s estimates of future loss costs to make independent decisions about the prices to charge for insurance coverage. For most U.S. property/casualty insurers in most lines of business, ISO Loss Costs are an essential piece of information. You can also factor these loss costs in with other information and underwriting judgment when determining competitive pricing strategies.

Verisk’s databases of insurance premium and loss data are one of the world’s largest collection of insurance information. Verisk verifies and monitors the data to make sure it’s valid, reliable, and accurate. ISO Loss Costs include provisions for loss development, loss adjustment expenses, and frequency and severity trends.

ISO Loss Costs, derived from our large and stable databases, allow for more accurate predictions about the ultimate cost of insurance. Even insurers with a large volume of data benefit from the breadth and scope of the Verisk database, for example, when expanding into new classes or new lines of business.

With Verisk’s advisory prospective loss costs, you get solid data you can use in determining your pricing by coverage, state, territory, class, policy limit, deductible, and many other categories. You get estimates based on one of the largest, most credible set of insurance statistics in the world. And you get the benefit of Verisk’s renowned team of actuaries and other insurance professionals.

Verisk recognizes the different structure and level of granularity required by the excess and surplus market. The web-based portal includes an interactive map that lets you access Verisk’s vast database of rating information and produce loss cost averages for multiple scenarios across many classes and U.S. jurisdictions. You can also download Verisk data — loss costs and rating factors — and incorporate the information into your own rating models. ISO Rapid Valuator seamlessly integrates with our Commercial Property Size-of-Loss Database (PSOLD™). That lets you use Verisk’s commercial property loss costs as a benchmark in evaluating the pricing of layers of coverage for individual risks or groups of risk.

Yes, you can download all of the loss costs and rating factors for a line of business.

Yes, the portal includes a user guide that offers guidance on navigation and helpful notes about the structure of the available material for each line of business. Important notes relevant to each line of business are accessible. A comments section lets you ask Verisk staff any questions you might have.


For more information or to find out if you qualify for a free trial, send an email to, call us at 1-800-888-4476, or complete the contact form below.

Contact Us to Learn More

Other Ways to Connect

We are available Monday through Friday, 7 a.m. — 9 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.