Accurate classification of risks is an indispensable part of the premium audit process. Risk classification is also essential to underwriting and rating. To help you classify general liability and workers' compensation risks, ISO's Premium Audit Advisory Service (PAAS®) has developed more than 40,000 classification guides.
Available in electronic format through PAAS on ISOnet or on the PAASbase on CD, PAAS classification guides provide detailed descriptions of all ISO general liability classifications and NCCI workers' comp classifications, as well as state exceptions for both. The guides include extensive interpretations on the intent and proper application of each classification.
Each guide provides comprehensive information on the operations and products that make up a particular classification code. You get:
The classification guides provide interpretations on each general liability and workers' comp classification available in each state (except workers' comp monopolistic states). PAAS has assembled the information through comprehensive comparison with interpretations in other jurisdictions and research into local bureau interpretations and industry applications. You get a consolidation of interpretive information and a unique synthesis of common use — all in one source.
The electronic classification guides in PAAS on ISOnet or PAASbase give you cross-references between the applicable classification codes for general liability and workers' compensation. You also get cross-references between the new North American Industrial Classification System (NAICS) and the old Standard Industrial Code (SIC) system.
And with PAAS on ISOnet or PAASbase, information about cross-references, related codes, and state exceptions is just a click away. You can link to the complete text of one or all of the related codes in a specific guide — or to all the guides that reference the code number you're researching.
You also get extensive links to specific information in the websites of 11 independent-bureau states.
. . . read our description of PAAS on ISOnet or PAASbase on CD. To ask a question or request more information — or to get in touch with a sales representative — contact ISO. You can also call us at 1-800-888-4476.