ISO Capabilities

Compliance and Reporting

ISO line-of-insurance programs — information on loss costs, policy language, and policywriting rules, and services that satisfy your legal requirements to report premium and loss data to state regulators

• Loss costs
• Policy language and rules
• Statistical service

Property claims reporting — information on insured property losses from catastrophes

Premium audit — a web-based system for outsourced premium audits

Loss payee and mortgagee reporting — services to streamline your processes for loss payee and mortgagee notifications, producer notifications, and escrow billing

Underwriting and Rating

Individual property risk — property-specific risk data on buildings and their occupants, as well as community information on fire protection and building codes

• Survey services
• Hazard information
• Fire protection
• Building-code information
• Replacement cost
  • Commercial and residential properties
  • Data confirmation and property revaluation
  • Content database system
• Personal and commercial building information
  • Commercial property information
  • Property characteristics
  • Commercial property metrics

Loss history information — commercial and residential property database of past claims

Coverage verification — policy-level risk information on current and previous coverages for homeowners underwriting, as well as foreclosure risk assessment

• Coverage Verifier
• Foreclosure Alert

Risk analytics for homeowners — powerful analytics for pricing refinement of homeowners risks

Portfolio management — tools to explore and analyze your portfolio and improve underlying exposure data

• GIS risk-management system
• Exposure data quality
• Homeowner insurance-to-value

Prefill solution — system that prefills information for a property insurance quote

Rate management — automated rate-management system for adopting, managing, and implementing ISO insurance program revisions

Catastrophe Management

Catastrophe modeling — analytic tools and models to manage risks from natural catastrophes, weather, and terrorism, and solutions to improve underlying exposure data

• Exposure data quality
• Catastrophe hazard information
• Catastrophe loss analysis

Flood — an online system that helps you accurately determine flood zones and flood risk

Wildfire — detailed information on brushfire risks

Hurricane, earthquake, and severe thunderstorm — address-specific risk scores and loss information for these perils

Property claims reporting — information on insured property losses from catastrophes

Claims and Fraud Management

Building and repair estimation — analytical and reporting tools for insurance claims and underwriting, and estimating software for the insurance repair industry

• Task management and audtiting
• Repair estimation

Property claims reporting — information on insured property losses from catastrophes

Fraud detection — systems for improving claims processing and fighting insurance and mortgage fraud

• ISO claims services
• Mortgage fraud
• Weather forensics

Workflow Management

Property inspection management — a web-based system for managing inspection workflow

Prefill solution — system that prefills information for a property insurance premium quote

Premium audit— a web-based system for managing outsourced premium audits

Claims — analytical and reporting tools for insurance claims and underwriting, and estimating software for the insurance repair industry

• Task management and audtiting
• Repair estimation

Consulting Services and Data Analytics

ISO consulting services and data analytics — portfolio of consulting, data analytics, and customized services to help you price products, benchmark, analyze loss reserves, determine capital needs, quantify underwriting risk, address catastrophe risk, and more

• Actuarial consulting
• Actuarial data analytics
• Capital management consulting
• Catastrophe consulting
• Custom research
• Reinsurance consulting