Frequently Asked Questions About The ISO Portal

What are loss costs?

ISO’s advisory prospective loss costs are industry benchmark projections of average future claim costs and loss adjustment expenses — overall and by coverage, class, territory, and other categories.

How can I use loss costs?

You can use ISO’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 ISO loss costs with other information and underwriting judgment in determining competitive pricing strategies.

Why are ISO loss costs valuable as a benchmark?

ISO’s databases of insurance premium and loss data are the world’s largest collection of insurance information. ISO verifies and monitors the data to make sure it’s valid, reliable, and accurate. ISO’s loss costs include provisions for loss development, loss adjustment expenses, and frequency and severity trends. ISO’s loss costs, derived from our large and stable databases, allow more accurate prediction of the ultimate cost of insurance. Even insurers with a large volume of data benefit from the breadth and scope of the ISO database, for example, when expanding into new classes or new lines of business.

What do I get from the ISO portal?

With ISO’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 the largest, most credible set of insurance statistics in the world. And you get the benefit of ISO’s renowned team of actuaries and other insurance professionals.

What is the special feature for the excess and surplus market?

ISO 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 ISO’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 ISO data — loss costs and rating factors — and incorporate the information into your own rating models. ISO Rapid Valuator seamlessly integrates with ISO’s Commercial Property Size-of-Loss Database (PSOLD). That lets you use ISO’s commercial property loss costs as a benchmark in evaluating the pricing of layers of coverage for individual risks or groups of risk.

How does the portal display information?

The portal offers several different views of the loss costs and rating factors:

  • A heat map offers a graphical representation of 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 and the ability to drill down to territorial detail with a single click.
  • The class view offers a tabular presentation of the loss costs for an individual class. This table also provides a link to the associated loss cost circular containing the detailed actuarial support for the loss costs. You can easily export results to an Excel spreadsheet.
  • The state view offers a tabular presentation of all of the classes in a selected state — with the circular links and export features included.

Can I download material from the portal?

Yes, you can download all of the loss costs and rating factors for a line of business to a Microsoft Access database at the touch of a button.

Is there help available while I’m using the portal?

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 questions of ISO staff. You can also send questions to

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