ISO Core Line Services delivers insurance policy form rules you can trust.

ISO Rules can serve as the blueprint to your insurance coverages.

Why ISO Rules:



regulatory actions analyzed



legislative bills reviewed for coverage impact



court cases reviewed



emerging issues tracked


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How ISO Rules create a strong-yet-flexible structure:

  • Clear guidance to help tailor pricing and coverage considerations to risk and exposure
  • Trusted by state regulators
  • Actuarially sound
  • Better identify risks
  • Enter new lines of business and new markets
  • Benefit from extensive, ground-level research conducted by ISO

ISO Rules are constructed with:

  • Proactive review of new regulations, legislation, and appellate court rulings
  • Hundreds of dedicated field inspection personnel
  • Ground-level surveys of fire departments and building code enforcement
  • Research into vehicle safety and claims history
  • Industry input through ISO panels and trade associations
  • ISO subject matter experts that help identify emerging issues and trends

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ISO has insurance rules addressing a wide range of commercial and personal lines:

Commercial lines

  • Automobile
  • Businessowners
  • Capital assets (output policy)
  • Crime and fidelity
  • Cyber risk
  • Employment-related practices liability
  • Equipment breakdown (formerly boiler and machinery)
  • Farm
  • Financial institutions
  • General liability
  • Inland marine (including nonfiled inland marine)
  • Management protection (E&O)
  • Market segments
  • Package
  • Professional liability (E&O)
  • Property
  • Umbrella

Personal lines

  • Automobile
  • Dwelling property
  • Flood
  • Homeowners
  • Inland marine
  • Liability (including personal umbrella)
  • Motorcycle
  • Watercraft