Verisk
Verisk (formerly ISO) is a leading data analytics and technology company serving the insurance, energy, and financial services industries. Verisk provides risk scoring, actuarial data, property analytics, catastrophe modeling, claims benchmarking, and underwriting intelligence through RESTful APIs that power insurance pricing, reserving, and exposure management workflows.
APIs
Verisk Insurance Analytics API
Verisk Insurance Analytics API provides property risk assessments, ISO fire protection classifications, catastrophe peril scores, insurance risk scoring, and claims benchmarking...
Verisk UnderWriting API
Verisk UnderWriting API provides personal and commercial lines insurance underwriting data including homeowner data, motor vehicle reports, A-PLUS auto and property reports, Lig...
Collections
Pricing Plans
Rate Limits
FinOps
Verisk Finops
FINOPSFeatures
Comprehensive property risk scoring including construction, fire protection class, and hazard exposure for fire, wind, hail, flood, and earthquake perils.
ISO Public Protection Classification (PPC) grading measuring community fire suppression capability on a 1-10 scale.
Natural hazard exposure scores for hurricane, tornado, hail, wildfire, earthquake, and flood risk used for catastrophe risk management.
Risk scores for properties, policies, and portfolios including fire protection class, building code effectiveness grading, flood zone, and earthquake zone scores.
Industry claims benchmarking data for loss frequency, severity, combined ratio, and loss ratio metrics across lines of business and states.
Address-to-property resolution with geocoding to USGS coordinates and ISO property identification for prefill and underwriting workflows.
LightSpeed and homeowner data APIs provide instant underwriting intelligence from a business name and address for small commercial and personal lines.
Benchmark API provides hail, wind, lightning, and hurricane wind analytics for property and auto claims and underwriting decisions.
Use Cases
Use risk scores and property data to accurately price insurance policies for homeowners, auto, and commercial lines of business.
Assess portfolio exposure to natural hazard perils and estimate probable maximum loss (PML) for catastrophe reinsurance programs.
Integrate weather analytics and property data to streamline field adjustments, reduce inspection costs, and accelerate claim cycle times.
Automate underwriting decisions by integrating prefill data, motor vehicle reports, and coverage verification into policy administration systems.
Monitor geographic concentration and peril exposure across insurance portfolios for risk management and regulatory reporting.
Integrations
Integrate risk scores and underwriting data directly into existing policy administration and underwriting workflow systems.
Embed weather analytics and property data into claims management platforms for faster adjudication.
Feed peril scores and property data into catastrophe modeling platforms like AIR Worldwide and RMS for exposure analysis.
API-enabled GenAI commercial underwriting assistant that integrates into existing policy administration systems.