Verisk Claims API

openapi: 3.1.0
info:
  title: Verisk Insurance Analytics Catastrophe Claims API
  description: Verisk (formerly ISO) provides insurance risk scoring, actuarial data, and property analytics APIs for P&C insurance carriers. APIs deliver loss cost data, risk classification, catastrophe modeling, property data, claims analytics, and underwriting data services for insurance pricing, reserving, and exposure management.
  version: '1.0'
  contact:
    name: Verisk Support
    url: https://www.verisk.com/contact/
  license:
    name: Verisk Terms of Service
    url: https://www.verisk.com/terms-of-use/
servers:
- url: https://api.verisk.com/insurance/v1
  description: Verisk Insurance Analytics API
security:
- BearerAuth: []
- ApiKeyHeader: []
tags:
- name: Claims
  description: Claims analytics and benchmarking
paths:
  /claims/benchmarks:
    get:
      operationId: getClaimsBenchmarks
      summary: Verisk Get Claims Benchmarking Data
      description: Returns industry claims benchmarking data for loss frequency, loss severity, and combined ratio metrics across lines of business, states, and risk segments.
      tags:
      - Claims
      parameters:
      - name: lineOfBusiness
        in: query
        required: true
        schema:
          type: string
          enum:
          - HOMEOWNERS
          - AUTO
          - COMMERCIAL_AUTO
          - CGL
          - COMMERCIAL_PROPERTY
          - WORKERS_COMP
        example: HOMEOWNERS
      - name: state
        in: query
        required: false
        schema:
          type: string
          pattern: ^[A-Z]{2}$
        description: US state code
        example: CA
      - name: year
        in: query
        schema:
          type: integer
          example: 2025
        example: 2025
      - name: metricType
        in: query
        schema:
          type: string
          enum:
          - FREQUENCY
          - SEVERITY
          - COMBINED_RATIO
          - LOSS_RATIO
        example: FREQUENCY
      responses:
        '200':
          description: Claims benchmarking metrics
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ClaimsBenchmarks'
              examples:
                GetClaimsBenchmarks200Example:
                  summary: Default getClaimsBenchmarks 200 response
                  x-microcks-default: true
                  value:
                    lineOfBusiness: example-value
                    state: CA
                    year: 2025
                    metrics: {}
                    sampleSize: 100
                    source: Verisk ISO
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  schemas:
    ClaimsBenchmarks:
      type: object
      properties:
        lineOfBusiness:
          type: string
          example: example-value
        state:
          type: string
          example: CA
        year:
          type: integer
          example: 2025
        metrics:
          type: object
          properties:
            frequency:
              type: number
              description: Claims frequency per 100 exposures
            averageSeverity:
              type: number
              description: Average claim severity in USD
            lossRatio:
              type: number
              description: Loss ratio as decimal (0.0-1.0+)
            combinedRatio:
              type: number
          example: {}
        sampleSize:
          type: integer
          description: Number of policies in benchmark sample
          example: 100
        source:
          type: string
          description: Data source and vintage
          example: Verisk ISO
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
    ApiKeyHeader:
      type: apiKey
      in: header
      name: X-API-Key