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.

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.