ISO is a leading source of information about risk and insurance. As a loss control professional, you can use ISO information to help you prevent losses, evaluate insurance programs, and control the cost of financing risk.

ALERT™ (AIR Loss Estimates in Real Time) Engineering & Safety Service (E&S) LOCATION® SPI (sm) (Specific Property Information) Database On-Site Surveys

ALERT™ (AIR Loss Estimates in Real Time) ALERT™ an online service providing up-to-date information and loss estimates for major natural catastrophes, which is only available to participating insurance companies and MGA's. ALERT has information on hurricanes, major earthquakes, extra tropical cyclones and significant perils for many regions of the world. Detailed event information can be downloaded for further analysis in AIR software applications. Hurricane event information is provided up to 48 hours before projected land fall. Hundreds of potential storm scenarios are simulated using a range of possible storm tracks, wind, speeds, and other intensity variables. Earthquake information is provided within hours of the event. For modeled countries, AIR seismologists begin running simulations using available information on magnitude, focal depth and, if the ruptured fault has been identified, rapture mechanism, fault length, and dip angle. AIR seismologists continue to run simulations and post updated loss estimates as additional information comes in from around the world. Tropical and extra tropical Cyclone information provides loss information for tropical cyclones impacting the U.S., the Caribbean, and the Asia-Pacific region. Furthermore, ALERT has information on extra tropical cyclones in Europe, and over 25 countries modeled by AIR Worldwide. Engineering & Safety Service (E&S) E&S provides subscriber companies with specialized technical information that is not found or duplicated anywhere else. E&S's loss control experts publish technical reports and issue timely news articles developed specifically to address subscriber needs. The information provided enables subscribers to identify and evaluate exposures and recommend actions to control losses from property and casualty risks. Through the E&S on ISOnet, you have direct, on-line access to the complete library of Technical Reports and Legislative information. In addition, Engineering and Safety's expert staff is available to provide technical advice and guidance to E&S customers in the E&S Consultation service. We also provide a number of information links, from International to OSHA via Infolinks. LOCATION® LOCATION provides accurate, geographic-based underwriting and rating information for specific properties anywhere in the United States. LOCATION contains address-specific information on public fire protection classifications (PPC™), crime, premium tax, FireLine™, Natural Catastrophe, California brush fire, California earthquake zone, distance to coast and major body of water, windpool eligibility, and ISO territory. SPI (sm) (Specific Property Information) Database ISO’s SPI database contains loss costs and other vital information on approximately 3 million specific-rated and class-rated buildings. The system also delivers information on over 5 million individual businesses occupying those buildings. Using the ISOnet web interface, you have access to: Loss costs on specific-rated and class-rated properties — with RCP (Rating Plan/Construction/Protection) codes, BGII symbols, and Commercial Statistical Plan (CSP) occupancy codes. On-line ordering capability for On-Site Surveys (AFS) — for specific-rated buildings. Building replacement-cost estimates — provides the cost to replace the property if destroyed. Estimated Loss Costs— for buildings or occupants not in the SPI database. Building Underwriting Reports (BUR) — with information on the characteristics of individual buildings and Relative Hazard Gradings that let you compare your risk against the average profile of similar structures in ISO's state and countrywide databases. Photos and diagrams of commercial buildings at no extra charge when you order a BUR or Survey Detail Report. LOCATION — provides accurate, geographic-based underwriting and rating information for specific properties anywhere in the United States. Experian business financial reports— business credit, financial, and public-records information. ASGR(Automated Sprinkler Grading Report) — information on water supply, system components, testing history, and nonstandard building conditions. PML/MFL(Probable Maximum Loss Report/Maximum Foreseeable Loss Report) — The PML report gives you the maximum expected loss, expressed as a percentage of the building’s value, when critical protection systems are functioning as expected. MFL provides the largest fire loss likely to occur when a key loss-reduction system fails. ISO Score — provides an automated, intelligent, and low cost system for scoring small commercial risks. Specific rates for properties in the independent bureau states of Idaho and Washington. NOTE: Specific property rates for Louisiana and Mississippi are available directly from those Independent Bureaus' web sites: Click here to access the Property Insurance Association of Louisiana (PIAL) web site Click here to access the Mississippi State Rating Bureau (MSRB) web site On-Site Surveys With ISOnet On-Site Surveys, you can receive your ISO survey reports for specific properties electronically via the Internet. You can view, print and download electronic text reports, diagrams and digital photos, as well as maintain a convenient, online storage facility for survey reports. ISOnet On-Site Surveys provide you with valuable, up-to-date information to help you evaluate individual commercial and residential properties.