ISO's Underwriting/Rating products provide the insurance industry with comprehensive underwriting information for property and casualty insurance. ISO offers a wealth of insurance information online for insurers, agents and reinsurers that can be accessed quickly and easily.

ALERT™ (AIR Loss Estimates in Real Time) ISO Circulars/ACES Community Mitigation Classification (CMC) Manual Plus Community Mitigation Classification (CMC) Revisions LOCATION® ISO Employers Advantage (sm) ISO IntegRater™ ISO MarketWatch™ Cube ISO Passport (sm) ISO Rating Service - ISO Base Ratebooks SPI (sm) (Specific Property Information) Database ISO Manuals On-Site Surveys Forms Library FIRSTSM PAAS™ on ISONet Legislative Monitoring on ISOnet

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. PAAS™ on ISONet Whether you’re a premium auditor, an underwriter, an agent, or a broker, ISO's Premium Audit Advisory Service (PAAS™) is your source of technical information and training related to commercial casualty issues. PAAS information helps you properly classify exposures for general liability, commercial auto, and workers compensation. PAAS offers a wide range of essential services, including more than 40,000 classification guides and more than 500 bulletins. You get these valuable services: PAAS Workers Compensation and General Liability Classification Guides feature detailed descriptions of all state-specific and national classifications, as well as cross-references to general liability, workers compensation, SIC, and NAICS codes. The Rating Information section gives you up-to-date information on changes in payroll limitations and outstanding workers compensation rate changes. The Chart of State Exceptions provides a side-by-side view of state exceptions, bureau rules, and PAAS interpretations for workers compensation. Payroll Analysis is a tool that lets you compare your policyholders' reported payroll and revenue with average data compiled by the U.S. Census Bureau. You simply enter a few pieces information supplied by your insured, plus the workers compensation code, general liability code, or NAICS code. Choose the state and, if you wish, the county. Payroll Analysis responds with Census data including the average number of employees per establishment, the average payroll per employee and per establishment, and the average revenue per employee and per establishment. For the average payroll and revenue per employee, the report highlights the percentage difference between your insured and the Census figures. Industry Guides provide in-depth information on the classifications appropriate for each operation and suboperation associated with the covered industries. The Consultation link provides technical advice and guidance from expert PAAS staff. InfoLinks pages contain direct links to other websites that PAAS staff has identified as particularly useful to PAAS customers. Bulletins in three types (Educational, Board & Bureau, and Legislative) help you keep current on premium audit issues. Just the FAQs is a useful compilation of questions and answers from the PAAS consultation service. Your PAAS subscription includes access to free technical consultation by e-mail. Now, PAAS on ISOnet brings you the benefits of the PAAS staff's expert answers to questions of interest to PAAS subscribers. With Just the FAQs, you can do full-text searches for the information you need — or browse the questions in 15 relevant categories. We're adding new topics every month, so check back often. ISO's PAAS™ Training Manuals ISO's Premium Audit Advisory Service (PAAS) offers comprehensive training manuals for beginning premium auditors and reviewers. The self-contained manuals are available for workers compensation, general liability, and commercial auto. For many insurance companies and premium audit service companies, PAAS manuals form the core of the training program. Your new auditors and reviewers will learn about: classification procedures rating techniques application of manual rules policy forms and coverages To reinforce learning objectives, the manuals contain progress examinations with full explanations of the answers to all questions. The PAAS training manuals are for use in a classroom setting, with experienced instructors. For companies that want self-paced web-based training — and for agents and brokers — PAAS offers the Technical Achievement Program (TAP). ISO Circulars/ACES ISOnet provides access to all ISO Circulars issued since January 1, 1995. The ISOnet Circular database is updated on a daily basis as new Circulars are released. Circular downloads are available for all Circulars in PDF and Word 6.0 format. Actuarial Service Electronic Solution (ACES), provides an additional download option for Actuarial Service Circulars. This separately licensed product combines Microsoft Word 6.0 documents and Microsoft Excel 97 worksheet exhibits into a single, downloadable file. Once downloaded and unzipped, you will find it easy to integrate ISO's aggregate data and analyses into your own decision-making and analytic processes. You can also sign up for ISO’s personalized daily Circular Alert service, directly from the Circular application. This service provides you with news about the latest ISO activities and developments, delivered directly to your e-mail inbox. The e-mail provides the title of each circular, allowing you to quickly identify new ISO activity that may affect your operations or require your action. To view a circular you simply click on the link provided in the e-mail and the desired circular will open in your browser. From the subscription page accessed when you sign up, you can select the circular types, lines of business, services and states for which you want notification. Community Mitigation Classification (CMC) Manual Plus With CMC Manual Plus you get: CMC manual information available to both commercial and personal lines insurers prior and future classifications found only in this delivery compressed time between the grading of a jurisdiction and insurer notification to help insurers comply with regulatory concerns and corrective endorsements a user-friendly, online means to search for information on a particular community, including filters and data sorts identification of the subject that will be changing within the community listing identification of communities where BCEGS™ is applicable earliest access to revisions to the CMC Manual CMC Revisions on ISOnet CMC Manual Plus creating a paperless delivery of PPC information Community Mitigation Classification (CMC) Revisions By accessing CMC Revisions through the ISOnet web delivery, you’ll get: online updates for up to forty-five states (state availability depends on states purchased), more time to incorporate classification changes, less paperwork to file, e-mail notification whenever we post changes on the system, updates in three convenient, downloadable file formats - Microsoft® Word, Adobe® Acrobat (pdf), and HTML. With ISOnet web delivery, you’ll always have real-time, 24/7 access to the latest CMC updates. To order CMC Revisions, call 1-800-888-4476 (Press#2) or email: ISOnet@iso.com 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. ISO Employers Advantage (sm) ISO's Employers Advantage online is an innovative program that combines traditional Employment Practices Liability (EPL) coverage with a portfolio of underwriting and risk-management services. ISO Employers Advantage provides a superior package of EPL coverages and Human Resources risk management services. EPL coverages include ready-to-use state-of-the-art policy forms, endorsements, rules and loss costs for the ISO Employment Practices Liability line of insurance. For insurers, Human Resources risk management services include reference materials to assist in the underwriting and training process, reducing the costs of entering the EPL arena, and real-time underwriting assistance for both experienced and novice underwriters via phone or e-mail. For employers, ISO Employers Advantage risk management services create a virtual human resource department and provide access to "big company" resources at affordable and fixed "small company" prices. It provides ready-made access to Human Resource consultants to help employers avoid claims before they happen, as well as help them establish affirmative defenses if a claim should occur. ISO Employers Advantage is a partnership among Insurance Services Office and: the workplace Helpline, a leading consulting firm that advises employers on how to reduce risk in their HR practices Laurdan Associates, Inc., which maintains the Employment Labor Law Audit (ELLA), to help employers audit their personnel practices to minimize their risk and that of their insurers. ISO Employers Advantage also provides the annual Betterley Report on EPL from Betterley Risk Consultants, Inc., (BRC). ISO IntegRater™ Commercial Lines loss costs and rating factors that can be downloaded and used with company rating and policy issuance systems. The ISO IntegRater database on ISOnet is updated when new loss costs and rating factors are approved so the information will be ready for you to download whenever you are ready to adopt the changes. ISO IntegRater provides access to ISO commercial lines loss costs and rating factors in a delimited format for easy loading to your company's databases, rating and policy issuance systems for: business owners commercial auto commercial inland marine commercial package premium modification factors commercial property crime and fidelity general liability ISO MarketWatch™ Cube ISO MarketWatch Cube provides a tool for monitoring industry price cycles by measuring price changes on renewals. ISO MarketWatch Cube provides this information by location and class groups, and are available for several lines of business. ISO Passport (sm) ISO Passport is a comprehensive, online service that delivers information critical to underwriting and other insurance-related decision making activities. It allows you to set rules for information requested, providing only the information that meets your specified criteria. Using exclusive ISO Passport technology, you can efficiently order and receive reports from ISO and other information providers concerning specific individuals, businesses, vehicles, and property locations - all from a single source. ISO Rating Service - ISO Base Ratebooks ISO Base Ratebooks provides updates to ratebooks for use with ISO Rating Service and AscendantOne Policy Management Suite. The ISO Base Ratebooks is an automated rating and underwriting system that contains the rating rules, loss costs and form attachment logic found in the ISO Commercial Lines Manual. You can search for and download ratebooks, view the release notes for each ratebook and download the listing of the algorithms included in the ratebooks. ISO Base Ratebook features include: Generating premiums for quotes and policies Mandatory and conditional form attachment Detailed rating worksheets Statistical Code assignment for policies The companion ISO Rating Service Alerts sends you an email notification when new ratebooks that match your specified criteria are released. 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 ISO Manuals ISO Manuals Complete Rules, Loss Costs, and Forms information from ISO's Commercial and Personal Lines manuals. Commercial Lines Manual Information ISOnet contains current commercial lines manual information, as well as historical information in effect as of 1994. An integrated State Insurance Manual (SIM) is available for each ISO line of business and jurisdiction and includes the applicable multistate rules, state exceptions, loss costs, policy forms and endorsements. Related publications such as Rating Plans, the ISO Classification Table, and the ISO Inland Marine Handbook are also available. Each CLM integrated manual contains "Profile" information for rules, loss costs and forms. For current information, we provide links to Notice to Manualholders (NTMs) and circulars. The CLM offers cross-manual links where applicable, so you don’t need to open separate manuals each time you need to review a related Line of Business manual. Personal Lines Manual Information ISOnet contains current personal lines manual information as well as historical information in effect as of May 1, 2000. Personal Lines Manuals are viewable online and downloadable in PDF format. Word format is available as a download option. ISO Suite+ ™ Updates Weekly updates provide new and revised ISO Suite+ information that can be downloaded from ISOnet directly to your PC. ISO Suite+ provides a complete electronic reference library of insurance information from ISO and other insurance publishers. With the ISO Suite+ system administrator software, you can easily date-stamp ISO material, integrate and edit your own company information with ISO information, and, ultimately, publish your own custom manuals to everyone who needs them in your organization. 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. Forms Library Policy Forms The ISOnet forms database contains all ISO Commercial Lines and Personal Lines policy forms that were in effect (based on ISO filings) on or after January 1, 1994. More than 9,000 personal and commercial policy forms and endorsements are available online through the Policy Forms library. Forms can be downloaded in PDF and Word format. The Forms library is updated daily. Customers can sign up for the Forms Alert to receive e-mails on the latest form updates. Policywriting Support Forms ISO’s collection of Policywriting Support Forms and rules help you satisfy legal requirements and administer your insurance programs. The forms include: cancellation/nonrenewal notices lost-policy releases motor carrier/financial responsibility forms and ID cards certificates of insurance UM/UIM/PIP selection/rejection forms claim forms first reports of injury loss notices privacy notices applications fraud warnings We produce the Policywriting Support Forms in language and formatting consistent with ISO standards. And, of course, we use our established legislative and regulatory monitoring procedures and our unparalleled drafting expertise to make sure the Support Forms are always up to date. We will file forms with state insurance departments only as required by law or regulation. The new forms are available as part of your forms participation, by line of business and jurisdiction. Forms that apply to more than one line will be available as Interline forms. If you don’t subscribe to the ISOnet Forms Library, simply call Customer Service for an order blank. Once we receive your order, and we will arrange for access to our Policywriting Support Forms so that you may download Policywriting Support Forms for the lines for which you participate. Bulk Order Policy Forms ISOnet offers ISO Policy Forms in Bulk. Participating Insurers and Agents can order ISO Policy Forms online available through Miami Systems. Retrieve all of your Policy Forms on demand. Forms Information/Report System (FIRSTSM) ISOnet FIRSTSM links you directly to ISO’s database of forms information for all our personal and commercial lines of insurance. With FIRST, you can access reports about the approved and required forms for a line of business and state. Reports can be viewed online, printed, or you can download the reports to your computer and save them locally. FIRST gives you: a list of current forms in each state and line of business indications of which forms are mandatory and which are available through ISO's central distribution service historical information on each form, including information on prior versions references to the base filing identification number of the ISO filing for each form and the relevant ISO circular number hypertext links from your reports to the ISOnet Policy Forms Library for access to complete text of forms When you need information fast, FIRST will help you: manage your company's policy forms and endorsements respond to inquiries from branch offices, agencies, and regulators prepare for insurance department audits conduct research to create your own company-specific forms When you're writing a policy, you can consult FIRST to help you choose the correct ISO forms. Then you can use Electronic Forms on Diskette (EFD™) or ISO's Policy Forms Library on ISOnet to access the complete text. You'll avoid costly insurance department fines and increase the efficiency of your product development and underwriting staffs. Legislative Monitoring on ISOnet Insurers that subscribe to ISOnet Circulars, Manuals and Forms have access to Legislative Monitoring on ISOnet. ISOnet Legislative Monitoring provides access to a database containing information on all laws, regulations and court cases reviewed by ISO staff since January 1995. This data includes laws, regulations and court cases reviewed which impact ISO forms, loss costs and/or rules, policywriting support forms, and/or company procedures, for all lines of business serviced by ISO. Details include: summaries of the reviewed laws, regulations and court cases references to ISO filings and circulars effective and implementation dates Legislative Monitoring creates summary reports, based on your specifications, that you can view online or print.