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How to get ISO Loss Costs faster

Loss costs are one of the foundational components of insurance pricing—the mortar that helps insurers set rates amidst all of the uncertainties that the world has to offer.

That’s why we’re introducing a faster and more efficient way for insurers to access ISO Loss Costs.

Meet the Consolidated Loss Costs Download

As the name suggests, the ISO Consolidated Loss Costs Download (CLCD) tool lets insurers directly download ISO Loss Costs for the lines of business and jurisdictions they’ve licensed. The tool provides several benefits:

  • Download the loss costs you want on-demand: Instead of accessing individual state circulars or scraping multi-state circulars to locate loss costs, ISO’s CLCD puts them in one place where they can be conveniently downloaded as a Microsoft Excel file that can be easily integrated into your existing systems.
  • Save searches, run historical comparisons: ISO’s CLCD also allows you to create and save custom filters, so you can quickly access previous searches. In addition to ISO’s current loss costs for a given line of business and jurisdiction, the download includes ISO’s most recent prior loss costs and the percent change between the two to help insurers run comparisons and other analysis.
  • Boost efficiency, reduce errors: Customers who have used our tool during beta tests have told us it’s not only made their workflows faster, it’s also helped them reduce errors when processing and analyzing loss costs data. Less manual labor, fewer errors, and the flexibility and ease of on-demand access can help insurers work more efficiently with ISO data.
  • Integrate across multiple lines of business: ISO’s CLCD is available now with loss costs for General Liability, Commercial Property, Commercial Auto, Businessowners, and Homeowners lines of business across all 50 states, Puerto Rico and the District of Columbia. We plan on adding loss costs for additional lines of business in the coming months.

ISO’s CLCD is available via ISOnet®  (login required).

Working faster with ISO

More efficient access to our loss costs is just one of several transformations we’ve made (and are making) to help our customers work faster with ISO. We’ve begun announcing our multistate filings several months earlier in the filing lifecycle to give insurers more lead time to implement program changes. We’ve also created a new Filings feature in Circulars that centralizes our forms filing content within a single location. Over the coming year, we intend to finish migrating our actuarial/ratemaking data to a secure, cloud-based infrastructure—a move that we anticipate will unlock a number of benefits for our customers.

If you’d like to provide feedback and input as to how your business could work faster with ISO, or want to learn more about our Consolidated Loss Costs Download tool, please email Stefanie Viscomi at

Elliot Burn

Elliot Burn is vice president and head of ISO commercial lines actuarial and data products at Verisk. You can contact him at

Jared Smollik

Jared Smollik is vice president, personal lines core products at Verisk. He can be reached at

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