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.

Verisk publishes 4 APIs on the APIs.io network, including Catastrophe API, Claims API, Property API, and 1 more. Tagged areas include Insurance, Analytics, Risk Management, Property Data, and Catastrophe Modeling.

The Verisk catalog on APIs.io includes 2 JSON-LD contexts and 2 Spectral governance rulesets.

Verisk’s developer surface includes authentication, developer portal, API reference, documentation, getting-started guide, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub

40.7/100 developing ▬ flat Agent 25/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessEnterprise

1 APIs 8 Features 5 Use Cases

Insurance Analytics Risk Management Property Data Catastrophe Modeling Underwriting Claims

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 40.7/100 · developing

Contract Quality 13.7 / 19

Developer Ergonomics 7.7 / 15

Access Clarity 2.0 / 15

Operational Transparency 0.8 / 10

Contract Governance 2.6 / 9

Discoverability 4.4 / 8

Regulatory Posture 3.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/verisk: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

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...

Verisk Catastrophe API

Catastrophe modeling and peril data

Verisk Claims API

Claims analytics and benchmarking

Verisk Property API

Property risk data and analytics

Verisk Risk Scoring API

Insurance risk scores and rating factors

Postman Collections 4

Ready-to-run Postman collections for exercising this provider's APIs.

Verisk Insurance Analytics Catastrophe API

POSTMAN

Verisk Insurance Analytics Catastrophe Claims API

POSTMAN

Verisk Insurance Analytics Catastrophe Property API

POSTMAN

Verisk Insurance Analytics Catastrophe Risk Scoring API

POSTMAN

Open Collections 6

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Verisk Insurance Analytics Catastrophe API

OPEN COLLECTION

Verisk Insurance Analytics Catastrophe Claims API

OPEN COLLECTION

Verisk Insurance Analytics API

OPEN COLLECTION

Verisk Insurance Analytics Catastrophe Property API

OPEN COLLECTION

Verisk Insurance Analytics Catastrophe Risk Scoring API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Verisk Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Verisk Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Verisk Finops

FINOPS

Features 8

Notable capabilities this provider offers.

Property Risk Assessment

Comprehensive property risk scoring including construction, fire protection class, and hazard exposure for fire, wind, hail, flood, and earthquake perils.

ISO Fire Protection Classification

ISO Public Protection Classification (PPC) grading measuring community fire suppression capability on a 1-10 scale.

Catastrophe Peril Scoring

Natural hazard exposure scores for hurricane, tornado, hail, wildfire, earthquake, and flood risk used for catastrophe risk management.

Insurance Risk Scoring

Risk scores for properties, policies, and portfolios including fire protection class, building code effectiveness grading, flood zone, and earthquake zone scores.

Claims Benchmarking

Industry claims benchmarking data for loss frequency, severity, combined ratio, and loss ratio metrics across lines of business and states.

Address Geocoding and Lookup

Address-to-property resolution with geocoding to USGS coordinates and ISO property identification for prefill and underwriting workflows.

Prefill and Accelerated Underwriting

LightSpeed and homeowner data APIs provide instant underwriting intelligence from a business name and address for small commercial and personal lines.

Weather Analytics Integration

Benchmark API provides hail, wind, lightning, and hurricane wind analytics for property and auto claims and underwriting decisions.

Scroll for all 8

Semantic Vocabularies 2

JSON-LD contexts and semantic vocabularies used across these APIs.

Verisk Context

27 classes · 5 properties

JSON-LD

Verisk Insurance Analytics Context

13 classes · 42 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Verisk API Rules

6 rules · 4 warnings 2 info

SPECTRAL

Verisk API Rules

40 rules · 18 errors 19 warnings 3 info

SPECTRAL

JSON Schema 13

Standalone JSON Schema definitions for this provider's data models.

AddressLookupRequest

6 properties

JSON SCHEMA

Address

5 properties

JSON SCHEMA

ClaimsBenchmarks

6 properties

JSON SCHEMA

ConstructionData

7 properties

JSON SCHEMA

Coordinates

2 properties

JSON SCHEMA

FireProtectionClass

8 properties

JSON SCHEMA

PerilScoreRequest

2 properties

JSON SCHEMA

PerilScoreResponse

1 properties

JSON SCHEMA

PropertyLookupResponse

5 properties

JSON SCHEMA

PropertyRisk

7 properties

JSON SCHEMA

RiskScoreRequest

2 properties

JSON SCHEMA

RiskScoreResponse

1 properties

JSON SCHEMA

Verisk Property Risk Assessment

7 properties

JSON SCHEMA

Scroll for all 13

JSON Structure 13

JSON Structure definitions describing this provider's data shapes.

Insurance Analytics Address Lookup Request Structure

6 properties

JSON STRUCTURE

Insurance Analytics Address Structure

5 properties

JSON STRUCTURE

Insurance Analytics Claims Benchmarks Structure

6 properties

JSON STRUCTURE

Insurance Analytics Construction Data Structure

7 properties

JSON STRUCTURE

Insurance Analytics Coordinates Structure

2 properties

JSON STRUCTURE

Insurance Analytics Fire Protection Class Structure

8 properties

JSON STRUCTURE

Insurance Analytics Peril Score Request Structure

2 properties

JSON STRUCTURE

Insurance Analytics Peril Score Response Structure

1 properties

JSON STRUCTURE

Insurance Analytics Property Lookup Response Structure

5 properties

JSON STRUCTURE

Insurance Analytics Property Risk Structure

7 properties

JSON STRUCTURE

Insurance Analytics Risk Score Request Structure

2 properties

JSON STRUCTURE

Insurance Analytics Risk Score Response Structure

1 properties

JSON STRUCTURE

Verisk Property Risk Structure

7 properties

JSON STRUCTURE

Scroll for all 13

Examples 13

Example request and response payloads for these APIs.

Insurance Analytics Address Example

5 fields

EXAMPLE

Insurance Analytics Address Lookup Request Example

6 fields

EXAMPLE

Insurance Analytics Claims Benchmarks Example

6 fields

EXAMPLE

Insurance Analytics Construction Data Example

7 fields

EXAMPLE

Insurance Analytics Coordinates Example

2 fields

EXAMPLE

Insurance Analytics Fire Protection Class Example

8 fields

EXAMPLE

Insurance Analytics Peril Score Request Example

2 fields

EXAMPLE

Insurance Analytics Peril Score Response Example

1 fields

EXAMPLE

Insurance Analytics Property Lookup Response Example

5 fields

EXAMPLE

Insurance Analytics Property Risk Example

7 fields

EXAMPLE

Insurance Analytics Risk Score Request Example

2 fields

EXAMPLE

Insurance Analytics Risk Score Response Example

1 fields

EXAMPLE

Verisk Property Risk Example

7 fields

EXAMPLE

Scroll for all 13

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Verisk Authentication

apiKey/http · 2 schemes

SECURITY

Verisk Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Verisk Agentic Access

6 operations · 3 acting

AGENTIC

Use Cases 5

What developers build with this provider.

Insurance Pricing and Rating

Use risk scores and property data to accurately price insurance policies for homeowners, auto, and commercial lines of business.

Catastrophe Risk Management

Assess portfolio exposure to natural hazard perils and estimate probable maximum loss (PML) for catastrophe reinsurance programs.

Claims Adjudication

Integrate weather analytics and property data to streamline field adjustments, reduce inspection costs, and accelerate claim cycle times.

Underwriting Automation

Automate underwriting decisions by integrating prefill data, motor vehicle reports, and coverage verification into policy administration systems.

Portfolio Risk Monitoring

Monitor geographic concentration and peril exposure across insurance portfolios for risk management and regulatory reporting.

Integrations 4

Pre-built integrations with other platforms and tools.

Policy Administration Systems

Integrate risk scores and underwriting data directly into existing policy administration and underwriting workflow systems.

Claims Management Systems

Embed weather analytics and property data into claims management platforms for faster adjudication.

Catastrophe Modeling Platforms

Feed peril scores and property data into catastrophe modeling platforms like AIR Worldwide and RMS for exposure analysis.

Generative AI Underwriting Assistant

API-enabled GenAI commercial underwriting assistant that integrates into existing policy administration systems.

Resources

Get Started 2

Portal, sign-up, and the first successful call

Portal

Portal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

APIReference

APIReference

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

SpectralRules

SpectralRules

Vocabulary

Vocabulary

Build 2

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Contact

Contact

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

LinkedIn

Website

Website

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: verisk
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/verisk.png
name: Verisk
description: 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.
url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/apis.yml
created: '2026-05-03'
modified: '2026-05-19'
specificationVersion: '0.23'
tags:
- Insurance
- Analytics
- Risk Management
- Property Data
- Catastrophe Modeling
- Underwriting
- Claims
apis:
- aid: verisk:underwriting-api
  name: Verisk UnderWriting API
  description: Verisk UnderWriting API provides personal and commercial lines insurance underwriting data including homeowner
    data, motor vehicle reports, A-PLUS auto and property reports, LightSpeed prefill, geocoding, ISO fire protection class,
    and coverage verification for P&C insurance carriers. Supports both JSON and XML response formats.
  humanURL: https://gateway.verisk.com/docs/MainPage.ashx
  tags:
  - Underwriting
  - Insurance
  - Personal Lines
  - Commercial Lines
  - Motor Vehicle
  - Property Data
  properties:
  - type: Documentation
    url: https://gateway.verisk.com/docs/MainPage.ashx
  - type: GettingStarted
    url: https://gateway.verisk.com/docs/Getting-Started.ashx
  - type: Authentication
    url: https://gateway.verisk.com/docs/Authentication.ashx
- aid: verisk:verisk-catastrophe-api
  name: Verisk Catastrophe API
  description: Catastrophe modeling and peril data
  humanURL: https://gateway.verisk.com/docs/MainPage.ashx
  tags:
  - Catastrophe
  properties:
  - type: OpenAPI
    url: openapi/verisk-catastrophe-api-openapi.yml
  - type: Documentation
    url: https://gateway.verisk.com/docs/MainPage.ashx
  - type: GettingStarted
    url: https://gateway.verisk.com/docs/Getting-Started.ashx
  - type: Authentication
    url: https://gateway.verisk.com/docs/Authentication.ashx
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-property-risk-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-construction-data-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-fire-protection-class-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-address-lookup-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-property-lookup-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-risk-score-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-risk-score-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-peril-score-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-peril-score-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-claims-benchmarks-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-address-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-coordinates-schema.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-property-risk-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-construction-data-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-fire-protection-class-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-claims-benchmarks-structure.json
  - type: JSONLD
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-ld/verisk-insurance-analytics-context.jsonld
- aid: verisk:verisk-claims-api
  name: Verisk Claims API
  description: Claims analytics and benchmarking
  humanURL: https://gateway.verisk.com/docs/MainPage.ashx
  tags:
  - Claims
  properties:
  - type: OpenAPI
    url: openapi/verisk-claims-api-openapi.yml
  - type: Documentation
    url: https://gateway.verisk.com/docs/MainPage.ashx
  - type: GettingStarted
    url: https://gateway.verisk.com/docs/Getting-Started.ashx
  - type: Authentication
    url: https://gateway.verisk.com/docs/Authentication.ashx
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-property-risk-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-construction-data-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-fire-protection-class-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-address-lookup-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-property-lookup-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-risk-score-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-risk-score-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-peril-score-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-peril-score-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-claims-benchmarks-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-address-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-coordinates-schema.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-property-risk-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-construction-data-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-fire-protection-class-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-claims-benchmarks-structure.json
  - type: JSONLD
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-ld/verisk-insurance-analytics-context.jsonld
- aid: verisk:verisk-property-api
  name: Verisk Property API
  description: Property risk data and analytics
  humanURL: https://gateway.verisk.com/docs/MainPage.ashx
  tags:
  - Property
  properties:
  - type: OpenAPI
    url: openapi/verisk-property-api-openapi.yml
  - type: Documentation
    url: https://gateway.verisk.com/docs/MainPage.ashx
  - type: GettingStarted
    url: https://gateway.verisk.com/docs/Getting-Started.ashx
  - type: Authentication
    url: https://gateway.verisk.com/docs/Authentication.ashx
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-property-risk-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-construction-data-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-fire-protection-class-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-address-lookup-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-property-lookup-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-risk-score-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-risk-score-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-peril-score-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-peril-score-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-claims-benchmarks-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-address-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-coordinates-schema.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-property-risk-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-construction-data-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-fire-protection-class-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-claims-benchmarks-structure.json
  - type: JSONLD
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-ld/verisk-insurance-analytics-context.jsonld
- aid: verisk:verisk-risk-scoring-api
  name: Verisk Risk Scoring API
  description: Insurance risk scores and rating factors
  humanURL: https://gateway.verisk.com/docs/MainPage.ashx
  tags:
  - Risk Scoring
  properties:
  - type: OpenAPI
    url: openapi/verisk-risk-scoring-api-openapi.yml
  - type: Documentation
    url: https://gateway.verisk.com/docs/MainPage.ashx
  - type: GettingStarted
    url: https://gateway.verisk.com/docs/Getting-Started.ashx
  - type: Authentication
    url: https://gateway.verisk.com/docs/Authentication.ashx
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-property-risk-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-construction-data-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-fire-protection-class-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-address-lookup-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-property-lookup-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-risk-score-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-risk-score-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-peril-score-request-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-peril-score-response-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-claims-benchmarks-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-address-schema.json
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-coordinates-schema.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-property-risk-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-construction-data-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-fire-protection-class-structure.json
  - type: JSONStructure
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-claims-benchmarks-structure.json
  - type: JSONLD
    url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-ld/verisk-insurance-analytics-context.jsonld
common:
- type: CapabilityMap
  url: capabilities/verisk-capability-edges.yml
  name: Verisk Business Capability Map
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/verisk/overview
- type: AgenticAccess
  url: agentic-access/verisk-agentic-access.yml
- type: DomainSecurity
  url: security/verisk-domain-security.yml
- type: Authentication
  url: authentication/verisk-authentication.yml
- type: GitHubOrganization
  url: https://github.com/verisk
- type: LinkedIn
  url: https://www.linkedin.com/company/verisk-analytics
- type: Website
  url: https://www.verisk.com
- type: Portal
  url: https://gateway-documentation.verisk.com/
- type: APIReference
  url: https://apicatalog.verisk.com/
- type: Documentation
  url: https://gateway.verisk.com/docs/MainPage.ashx
- type: GettingStarted
  url: https://gateway.verisk.com/docs/Getting-Started.ashx
- type: Authentication
  url: https://gateway.verisk.com/docs/Authentication.ashx
- type: TermsOfService
  url: https://www.verisk.com/terms-of-use/
- type: PrivacyPolicy
  url: https://www.verisk.com/privacy-policy/
- type: Contact
  url: https://www.verisk.com/contact/
- type: SpectralRules
  url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/rules/verisk-spectral-rules.yml
- type: Vocabulary
  url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/vocabulary/verisk-vocabulary.yaml
- type: Features
  data:
  - name: Property Risk Assessment
    description: Comprehensive property risk scoring including construction, fire protection class, and hazard exposure for
      fire, wind, hail, flood, and earthquake perils.
  - name: ISO Fire Protection Classification
    description: ISO Public Protection Classification (PPC) grading measuring community fire suppression capability on a 1-10
      scale.
  - name: Catastrophe Peril Scoring
    description: Natural hazard exposure scores for hurricane, tornado, hail, wildfire, earthquake, and flood risk used for
      catastrophe risk management.
  - name: Insurance Risk Scoring
    description: Risk scores for properties, policies, and portfolios including fire protection class, building code effectiveness
      grading, flood zone, and earthquake zone scores.
  - name: Claims Benchmarking
    description: Industry claims benchmarking data for loss frequency, severity, combined ratio, and loss ratio metrics across
      lines of business and states.
  - name: Address Geocoding and Lookup
    description: Address-to-property resolution with geocoding to USGS coordinates and ISO property identification for prefill
      and underwriting workflows.
  - name: Prefill and Accelerated Underwriting
    description: LightSpeed and homeowner data APIs provide instant underwriting intelligence from a business name and address
      for small commercial and personal lines.
  - name: Weather Analytics Integration
    description: Benchmark API provides hail, wind, lightning, and hurricane wind analytics for property and auto claims and
      underwriting decisions.
- type: UseCases
  data:
  - name: Insurance Pricing and Rating
    description: Use risk scores and property data to accurately price insurance policies for homeowners, auto, and commercial
      lines of business.
  - name: Catastrophe Risk Management
    description: Assess portfolio exposure to natural hazard perils and estimate probable maximum loss (PML) for catastrophe
      reinsurance programs.
  - name: Claims Adjudication
    description: Integrate weather analytics and property data to streamline field adjustments, reduce inspection costs, and
      accelerate claim cycle times.
  - name: Underwriting Automation
    description: Automate underwriting decisions by integrating prefill data, motor vehicle reports, and coverage verification
      into policy administration systems.
  - name: Portfolio Risk Monitoring
    description: Monitor geographic concentration and peril exposure across insurance portfolios for risk management and regulatory
      reporting.
- type: Integrations
  data:
  - name: Policy Administration Systems
    description: Integrate risk scores and underwriting data directly into existing policy administration and underwriting
      workflow systems.
  - name: Claims Management Systems
    description: Embed weather analytics and property data into claims management platforms for faster adjudication.
  - name: Catastrophe Modeling Platforms
    description: Feed peril scores and property data into catastrophe modeling platforms like AIR Worldwide and RMS for exposure
      analysis.
  - name: Generative AI Underwriting Assistant
    description: API-enabled GenAI commercial underwriting assistant that integrates into existing policy administration systems.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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