Underwriting and Rating

ISO Forms, Rules, and Loss Costs

Our forms, rules, and loss costs, spanning 29 commercial and personal lines, have empowered hundreds of insurers to underwrite and price diverse risks with confidence for over 50 years.

The hardest part of launching your program may be the first step

How do you build insurance programs that are grounded in industry standards, powered by robust risk information, and compliant with regulatory standards? Getting up to speed with established and experienced competitors can be a daunting challenge.

The business foundation insurers need.

Informed by nearly 30 billion statistical records, we continuously enhance our products with an accomplished staff of actuaries, data scientists, and coverage, legal, and government affairs experts.

Reduce potential litigation costs with our forms

Our standardized, court-tested, constantly updated language reflects our continual review of case law, statutes, and regulations: 10,000+ bills, 8,000+ regulatory actions, and 2,000+ court decisions each year.

Rate more accurately with our loss costs

We project average future claim costs and loss-adjustment expenses based on a database of 8.2 billion commercial lines and 21.5 billion personal lines records.

Ensure the right coverage with our rules

Our data, loss costs, and coverage forms are the ingredients, and rating rules are the recipe, providing a solid base for more confident classification, pricing, and policy issuance.

How smart can you become by using our business solutions?

Just last year we:

Analyzed 8,150 legislative bills and 7,400 regulatory actions
Reviewed 2,000 court decisions and revised or introduced 1,150 policy forms
Submitted more than 2,250 filings and issued over 1,000 pricing circulars
Processed 14,000 statistical submissions
Tracked 46 emerging issues
Submitted over 4,100 reports to state regulators
Grew our statistical database to 32 billion records of customer data

…and much more

That’s not all!

Get authoritative guidance on state insurance laws and regulations

For more than 25 years, insurers have relied on Verisk's State Filing Handbook for full compliance details on filing property/casualty rates, rules, and forms in all jurisdictions.

Access our state filing forms

Get more than 1,200 forms from around the country and instructions on when and how to use them. All required property/casualty and workers' compensation filing forms are included—plus speed-to-market checklists.

Do a deep dive on loss costs across 17 lines of insurance

Our ISO Portal is an easy-to-use online dashboard that can zoom in on loss costs and rating factors to help guide informed pricing decisions.

Let us do the work for you

Your own team of lawyers, actuaries, and other professionals could add up to five times the cost of working with us. Let our innovations and our growing contributory database steer your business toward greater profitability and faster speed to market.