ISO Risk Analyzer
Improve Rating Segmentation and Avoid Adverse Selection

The challenge: adverse selection in today’s dynamic market. If you’re not connected to advanced analytics, your competitors could use sophisticated tools to cherry-pick your best risks. The result? You may lose profitable policies—and keep more costly ones.

Which schema do you think will help enhance your rating methodologies?

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See what others miss. Our predictive analytics can help you rate risks with remarkable precision, aligning premiums with risk at a granular level.

Businessowners:
Address-level rating that works

Evaluate risks at the specific location using predictive models that analyze hundreds of environmental indicators—far beyond traditional territory boundaries.

Price by peril with confidence

Understand what drives your loss costs across five key peril groups:

Fire and lightning
Wind and hail
Theft and vandalism
Water and other property
Liability

Eliminate cross-subsidization

Risk Analyzer helps eliminate cross-subsidization, ensuring more accurate pricing. This prevents competitors from poaching your most profitable customers while protecting you from underpriced risks.

Traditional risk tools offer limited geographic segmentation by missing key nuances that impact accurate underwriting and pricing.

ISO Risk Analyzer delivers location-based insights for smarter underwriting and pricing.

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Commercial Auto:

Beyond basic territory rating

Get specific loss costs for each ZIP Code and Census Block Group that fit seamlessly into your existing ISO rating workflow.

Rate the actual vehicle

Obtain VIN-specific rating factors that account for a vehicle’s unique characteristics—size, performance, and safety features—not just weight class, age, and cost new.

These vehicles are of the same model year and fall into the same size class, original cost new bracket, and would be rated the same all other things being equal. But when RACA Symbols are used, one can see that these vehicles represent different risks and therefore would be priced differently.

2022 Ford Bronco

Type: SUV

Weight Rating Class: 6,001-10,000

Price New Bracket: $35,000-$39,000

Collision Symbol Relativity: .82

Comprehensive Symbol Relativity: 1.07

Liability symbol: .90

2022 Chevrolet Express G2500

Type: Van

Weight Rating Class: 6,001-10,000

Price New Bracket: $35,000-$39,000

Collision Symbol Relativity: .71

Comprehensive Symbol Relativity: .79

Liability symbol: 1.07

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Unlock Granular Territory Insights with Predictive Analytics

Discover how predictive analytics is reshaping commercial auto and businessowners (BOP) insurance rating. Learn how Verisk’s ISO Risk Analyzer^® can help insurers improve rating accuracy, better align premium with risk, and enhance profitability by providing territory rating down to the neighborhood level.

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ISO Risk Analyzer Commercial Auto offers sophisticated analysis to evaluate auto risks with more accuracy and to discover new opportunities to improve our position within the marketplace.

Leading casualty insurer, US top 50 property/casualty

Ready to see the difference?

Our team will show you exactly how ISO Risk Analyzer can improve your results, with your data, in your markets. Complete the form to connect with a representative and learn more.

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