Underwriting and Rating

PSOLD and ISO Rapid Valuator

Deep data sets and powerful analytic tools support more accurate pricing, reserving, benchmarking, and more.

Insurance-to-value is a moving target

Accurate pricing can be complex and painstaking work that involves highly detailed analyses, research, trending, benchmarking, and visualizations spanning individual and banded risks. Assembling enough broad primary and excess data—and the necessary actuarial expertise—can be a strain on limited resources. Where can you turn?

Do you need the most current loss history database for commercial property risks?

That's what you get with our Property Size of Loss Database (PSOLD™). Want to optimize further? Connect to ISO Rapid Valuator^® and get ground-up and excess loss cost analyses almost instantly.

Underwriting and pricing support for your teams

Tap into the most current and comprehensive loss history database for commercial property pricing.

Detailed performance benchmarking

Perform side-by-side comparisons with competitors using other exposure rating tools for individual, banded, or complex layered exposures.

Broad primary and excess data and exclusive analytics

Access a database exceeding 50M individual policies, 5M claims, and $235B of estimated ground-up losses from $38 trillion in linked amounts of insurance.

25+ years of first loss scales

Get 7 million detailed first loss scales for 38 rating groups, consolidated from 230 ISO CP class codes, producing expected losses by layers up to $1 billion.

Ground-up loss cost assessment

Calculate loss costs using ISO Portal, which is refreshed semi-annually.

A competitive edge

Stay ahead with unmatched, customized analysis based on a comprehensive commercial property loss history database.

Features and capabilities

Comprehensive analytics to leverage deep data resources

Implement models that compare your knowledge base against 25+ years of industry experience.

Performance and loss ratios benchmarking over time

Build your pricing on more than internal experience to maximize opportunities for growth and profitability.

Easy access to deep loss ratio data

Connect to a better collaboration platform for actuaries, underwriters, and management in primary, E&S and reinsurance.

Related resources

Stay in the know about important industry trends and innovative solutions.

Webinar

Commercial Lines Strategic Planning with ISO Products

Learn how Verisk’s ecosystem can deliver vast and robust data and analytic solutions to provide market and portfolio insights.

View the webinar on demand

Webinar

Examining the Insurance Impacts of COVID-19 and Heightened Inflation

We're taking a closer look at the combined impacts of both inflation and the pandemic on insurance metrics.

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Webinar

Profitability, Loss Development, and Distorted Analytics

It has long been observed that profitability varies significantly by company, line of business, individual market, underwriting cycle and other external events.

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Climate change vs. climate variability: their impact on insured losses

Catastrophe models help better understand and quantify insured losses caused by climate change and climate variability.

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Wildfire: Insurers and communities adapt to an ever-growing threat

Wildfires have moved rapidly to the fore as an exposure for insurers to understand and manage in states at high risk for this peril.

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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.

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Do more with the Verisk ecosystem

PSOLD and IRV are a part of Core Lines Services, Verisk’s insurance policy programs that offer comprehensive support across 29 lines of business. Core Lines Services include: