Verisk website screenshot

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.

2 APIs 8 Features
InsuranceAnalyticsRisk ManagementProperty DataCatastrophe ModelingUnderwritingClaims

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

Verisk Plans Pricing

1 plans

PLANS

Rate Limits

Verisk Rate Limits

1 limits

RATE LIMITS

FinOps

Verisk Finops

FINOPS

Features

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.

Use Cases

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

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.

Semantic Vocabularies

Verisk Context

27 classes · 5 properties

JSON-LD

Verisk Insurance Analytics Context

13 classes · 42 properties

JSON-LD

API Governance Rules

Verisk API Rules

36 rules · 18 errors 17 warnings 1 info

SPECTRAL

JSON Structure

Insurance Analytics Address Structure

5 properties

JSON STRUCTURE

Insurance Analytics Coordinates Structure

2 properties

JSON STRUCTURE

Insurance Analytics Property Risk Structure

7 properties

JSON STRUCTURE

Verisk Property Risk Structure

7 properties

JSON STRUCTURE

Example Payloads

Verisk Property Risk Example

7 fields

EXAMPLE

Resources

👥
GitHubOrganization
GitHubOrganization
🔗
LinkedIn
LinkedIn
🔗
Website
Website
🌐
Portal
Portal
🔗
APIReference
APIReference
🔗
Documentation
Documentation
🚀
GettingStarted
GettingStarted
🔑
Authentication
Authentication
📜
TermsOfService
TermsOfService
📜
PrivacyPolicy
PrivacyPolicy
🔗
Contact
Contact
🔗
SpectralRules
SpectralRules
🔗
Vocabulary
Vocabulary

Sources

Raw ↑
opencollection: 1.0.0
info:
  name: Verisk Insurance Analytics API
  version: '1.0'
request:
  auth:
    type: bearer
    token: '{{bearerToken}}'
items:
- info:
    name: Property
    type: folder
  items:
  - info:
      name: Verisk Get Property Risk Assessment
      type: http
    http:
      method: GET
      url: https://api.verisk.com/insurance/v1/property/risk/:propertyId
      params:
      - name: propertyId
        value: PROP-123456
        type: path
        description: Property identifier (address or ISO property ID)
      - name: includePerils
        value: ''
        type: query
        description: Peril types to include in response
      - name: asOfDate
        value: '2025-03-15'
        type: query
        description: Historical risk assessment date
    docs: Returns comprehensive risk data for a specific property including construction, occupancy, fire protection class,
      ISO rating, and hazard scores for fire, wind, hail, flood, and earthquake exposures.
  - info:
      name: Verisk Look Up Property by Address
      type: http
    http:
      method: POST
      url: https://api.verisk.com/insurance/v1/property/lookup
      body:
        type: json
        data: '{}'
    docs: Resolves a street address to a property record and returns risk data. Supports geocoding to USGS coordinates and
      ISO property identification.
- info:
    name: Risk Scoring
    type: folder
  items:
  - info:
      name: Verisk Get Insurance Risk Scores
      type: http
    http:
      method: POST
      url: https://api.verisk.com/insurance/v1/risk/scores
      body:
        type: json
        data: '{}'
    docs: Returns risk scores for properties, policies, or portfolios. Includes ISO fire protection classification, building
      code effectiveness grading, and commercial/personal lines risk scores.
  - info:
      name: Verisk Get ISO Fire Protection Class (PPC)
      type: http
    http:
      method: GET
      url: https://api.verisk.com/insurance/v1/risk/fire-protection-class
      params:
      - name: latitude
        value: '36.1699'
        type: query
      - name: longitude
        value: '-115.1398'
        type: query
      - name: constructionType
        value: FRAME
        type: query
        description: ISO construction class
    docs: Returns the ISO Public Protection Classification (PPC) grade for a location, which measures a community's fire suppression
      capability. PPC grades range from 1 (best) to 10.
- info:
    name: Catastrophe
    type: folder
  items:
  - info:
      name: Verisk Get Catastrophe Peril Scores
      type: http
    http:
      method: POST
      url: https://api.verisk.com/insurance/v1/catastrophe/peril-scores
      body:
        type: json
        data: '{}'
    docs: Returns catastrophe exposure scores for natural hazard perils including hurricane, tornado, hail, wildfire, earthquake,
      and flood for a list of locations. Used for catastrophe risk management and PML estimation.
- info:
    name: Claims
    type: folder
  items:
  - info:
      name: Verisk Get Claims Benchmarking Data
      type: http
    http:
      method: GET
      url: https://api.verisk.com/insurance/v1/claims/benchmarks
      params:
      - name: lineOfBusiness
        value: HOMEOWNERS
        type: query
      - name: state
        value: CA
        type: query
        description: US state code
      - name: year
        value: '2025'
        type: query
      - name: metricType
        value: FREQUENCY
        type: query
    docs: Returns industry claims benchmarking data for loss frequency, loss severity, and combined ratio metrics across lines
      of business, states, and risk segments.
bundled: true