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Underwriting and Rating

ISO Forms, Rules, and Loss Costs

Our forms, rules, and loss costs, spanning 31 commercial and personal lines, have empowered hundreds of insurers to confidently underwrite and price diverse risks for more than 50 years.

The business foundation insurers need

Informed by 34.5 billion statistical records, we continuously enhance our products with an accomplished staff of actuaries, data scientists, and coverage, legal, and government affairs experts.

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.

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.

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.

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.

How smart can you become by using our business solutions?

Just last year we:

Analyzed 14,800 legislative bills and 12,500 regulatory actions
Reviewed 2,000 court decisions and revised or introduced 730+ policy forms
Submitted more than 2,000 filings and issued over 700+ pricing circulars
Processed 17,000 statistical submissions
Tracked 60 emerging issues
Submitted over 3,900 reports to state regulators
Grew our statistical database to 34.2 billion records of customer data

…and much more

How smart can you become by using our business solutions?

Features and capabilities

Compliance and Emerging Issues

We monitor legislative and regulatory activity and research trends that could affect insurers.

Filings

We submit forms and loss costs to state regulators on behalf of insurers.

Statistical Reporting Services

We help insures enhance data management and streamline compliance and regulatory reporting processes.

Let us do the work for you.

Article

Reconstruction costs vs. market value: the hidden coverage crisis

Market value and reconstruction cost estimates are unique measures subject to different forces; only RCEs should be used for coverage.

Read the article

Do more with the Verisk ecosystem

Our Forms, Rules, and Loss Costs products are powered by Verisk’s Core Lines Services—our insurance policy programs spanning 31 lines of business.

Emerging issues and government relations

Stay ahead with vital market intelligence that can help inform product development and strategic planning.

Learn about Emerging Issues

Consulting

Get actuarial support and ISO product consulting from Verisk actuaries and product experts.

Learn about Insurance Consulting

Forms management

Enhance operational efficiency from forms to filing.

Learn about Mozart Form Composer

Regulatory reporting

Manage your regulatory reporting with a full range of business services.

Learn about Statistical Services

Colleagues Discussing Solution On Laptop

Educational resources for insurers

Onboard new employees or cross-train existing employees with a robust portfolio of interactive e-learning courses.

Learn about ISO Education

Online information source about state filing laws

The State Filing Handbook gives you information on filing property/casualty rates, rules, and forms in all 50 states, plus D.C., Guam, and Puerto Rico.

Learn about State Filing Handbook

Smart pricing tools for specialty underwriters

Deploy consistent, data-driven pricing with a flexible, no-code platform. Rulebook lets carriers and MGAs build, update, and distribute rating logic in real time.

Learn about Rulebook