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- P/C Insurance
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Insurance Overview

Innovative insurance solutions powered by advanced data analytics, technology, scientific research, and deep industry knowledge.

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Property & Casualty Insurance

Create innovative P&C insurance programs, streamline data reporting to regulators, and leverage analytics to assess and price risks with speed and precision.

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Life and Annuities

Refine life, annuity, and pension plans from the individual to the portfolio level, driving value across individual life and annuity lines.

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Reinsurance

Improve combined ratios and unlock greater reinsurance profitability by managing your risk on global, commercial, and enterprise levels.

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Specialty Markets

Compete in new markets with solutions for specialties such as professional liability, management liability, and crime and fidelity.

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Our Solutions
- Our Solutions
- Underwriting and Rating
  Underwriting and Rating
  
  Overview of Underwriting and Rating
  
  Personal Property
  
  Personal Property
  
  Overview of Personal Property
  
  Research, Development & Pricing
  
  Risk Selection & Underwriting
  
  Portfolio Assessment & Compliance
  
  Personal Property
  
  Maintain underwriting and pricing discipline and uncover profitable opportunities in the fast-paced personal property market.
  
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  Research, Development & Pricing
  
  Drive critical research, benchmarking, and pricing decisions with personal property risk assessment tools and software.
  
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  Risk Selection and Underwriting
  
  Capitalize on actionable underwriting data for personal property insurance at point of sale and renewal to guide smarter risk selection.
  
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  Portfolio Assessment & Compliance
  
  Understand and evaluate your personal property insurance portfolio and maintain regulatory compliance with powerful data tools and services.
  
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  Commercial Property
  
  Commercial Property
  
  Overview of Commercial Property
  
  Research, Development & Pricing
  
  Risk Selection & Underwriting
  
  Portfolio Assessment & Compliance
  
  Commercial Property Overview
  
  Assess risk and exposure quickly with comprehensive, insurance-ready data and analytics for every commercial property address.
  
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  Research, Development & Pricing
  
  Identify new commercial property insurance markets, develop innovative products, and keep forms and rates up to date with flexible, data-driven analytics and tools.
  
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  Risk Selection and Underwriting
  
  Streamline commercial property risk selection and underwriting with robust data drawn from on-site expertise, advanced computer modeling, and real-world claims.
  
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  Portfolio Assessment & Compliance
  
  Gain deep insights about your commercial property insurance portfolio and streamline compliance with robust analytics and automation.
  
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  Personal Auto
  
  Personal Auto
  
  Overview of Personal Auto
  
  Research, Development & Pricing
  
  Risk Selection & Underwriting
  
  Portfolio Assessment & Compliance
  
  Personal Auto Overview
  
  Discover a range of personal auto solutions spanning underwriting and rating, fraud, telematics, and predictive analytics.
  
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  Research, Development & Pricing
  
  Find opportunities in personal auto insurance, create innovative products, and price them with precise data, analytics, and expertise.
  
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  Risk Selection & Underwriting
  
  Sharpen segmentation and combat personal auto insurance fraud and premium leakage with risk selection tools for driver and vehicle information.
  
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  Portfolio Assessment & Compliance
  
  Run your personal auto insurance team smarter with market-ready programs, data analytics, and tools for regulatory compliance and statistical reporting tools.
  
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  Commercial Auto
  
  Commercial Auto
  
  Overview of Commercial Auto
  
  Research, Development & Pricing
  
  Risk Selection & Underwriting
  
  Portfolio Assessment & Compliance
  
  Commercial Auto Overview
  
  Commercial auto insurance solutions that span underwriting, risk selection, and rating with robust data and analytics on businesses, vehicle fleets, and drivers.
  
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  Research, Development & Pricing
  
  Overcome profitability challenges with market-ready essentials to identify opportunities, manage smart growth, and adapt to the changing commercial auto landscape.
  
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  Risk Selection & Underwriting
  
  Capture a full range of underwriting and pricing factors for commercial auto insurance with granular data, analytics, and advanced technology.
  
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  Portfolio Assessment & Compliance
  
  Leverage your data to streamline compliance, measure performance, and refine strategy across your commercial auto insurance portfolio.
  
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  General Liability
  
  General Liability
  
  Overview of General Liability
  
  Research, Development & Pricing
  
  Risk Selection & Underwriting
  
  Portfolio Assessment & Compliance
  
  General Liability Overview
  
  Cover known and emerging business liability risks and access diverse data, analytics, and compliance tools to drive your business forward.
  
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  Research, Development & Pricing
  
  Detect opportunities, launch new products, and price coverage precisely with market-ready programs and solutions for general liability insurance.
  
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  Risk Selection and Underwriting
  
  Be responsive to your customers and true to your risk appetite with powerful data, insights, and technology—and a support team focused on you.
  
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  Portfolio Assessment & Compliance
  
  Leverage your data to manage your general liability insurance portfolio strategically and streamline regulatory compliance.
  
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  Small Commercial
  
  Small Commercial
  
  Overview of Small Commercial
  
  Research, Development & Pricing
  
  Risk Selection & Underwriting
  
  Portfolio Assessment & Compliance
  
  Small Commercial Overview
  
  Target your best opportunities in small commercial insurance with better risk assessment and straight-through processing using automated Verisk solutions.
  
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  Research, Development & Pricing
  
  Small commercial insurance program, data, and analytic solutions to identify new markets, build innovative products, and keep policy language and rates current.
  
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  Risk Selection and Underwriting
  
  Use data-driven analytics and risk insights backed by deep expertise to streamline and automate small commercial insurance risk selection and underwriting.
  
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  Portfolio Assessment & Compliance
  
  Manage small commercial insurance programs and maintain compliance with automation and portfolio insights powered by data, analytics, and unmatched expertise.
  
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  Other Lines of Business
  
  Underwriting & Rating Overview
  
  Make informed product development and underwriting decisions to generate more revenue while minimizing premium leakage and unnecessary expenses.
  
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  Other Lines of Business
  
  Transform your approach to product development and underwriting for multiple lines of business while adhering to compliance and rating standards.
  
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- Claims
  Claims
  
  Overview of Claims
  
  FNOL
  
  Investigation
  
  Investigation
  
  Overview of Investigation
  
  Weather Response
  
  Workflow Automation
  
  Decision Support and Analytics
  
  Catastrophe Claims Data
  
  Investigation Overview
  
  Streamline record review and validate key claim information such as weather information to ensure greater accuracy while reducing processing time.
  
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  Weather Response
  
  Whether you’re looking at a property’s history of weather damage or looking ahead to an incoming storm, Verisk solutions convert weather into useable data.
  
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  Workflow Automation
  
  Advanced AI, data parsing, image/video, and messaging solutions streamline claims processing, increasing satisfaction for employees and customers.
  
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  Decision Support and Analytics
  
  Fill in data gaps and get industry-leading insights to make claims more accurate, combat fraud, and improve customer service.
  
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  Catastrophe Claims Data
  
  Access the insurance industry’s trusted source for independent property loss estimates covering a range of catastrophe and global large loss specialty lines.
  
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  Anti-Fraud
  
  Compliance
  
  Compliance
  
  Overview of Compliance
  
  Workers' Compensation State Reporting
  
  Medicare Compliance and Reporting
  
  Compliance Overview
  
  Satisfy state and federal claims reporting requirements automatically within your workflow with comprehensive reporting to help you stay compliant and prevent fraud.
  
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  Workers' Compensation State Reporting
  
  Data-driven claims management solutions let you streamline workers' compensation data reporting and improve compliance with advanced analytics.
  
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  Medicare Compliance and Reporting
  
  Navigate changing regulations, manage complex recovery demands, and mitigate rising costs with an array of solutions to support every step of the process.
  
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  Estimation and Valuation
  
  Estimation and Valuation
  
  Overview of Estimation and Valuation
  
  Property Estimating & Restoration
  
  Validation and Valuation
  
  Estimation and Valuation Overview
  
  Our claims estimation and workflow capabilities help you assess the value of a claim quickly and accurately, leading to faster settlements and improved customer satisfaction.
  
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  Property Estimating & Restoration
  
  Optimize your property claims process with advanced solutions to estimate structural and personal property claims seamlessly.
  
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  Validation and Valuation
  
  State-of-the-art tools help you anticipate and handle unexpected costs from liability, medical costs, extreme weather, and other catastrophes.
  
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  Resolution
  
  Claims Overview
  
  Re-imagine your end-to-end claims experience to reduce costs, improve accuracy, and deliver a great customer experience from FNOL through resolution.
  
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  FNOL
  
  Accelerate the claims process with solutions that automatically populate key data and help route claims to the right areas, saving time on the front end.
  
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  Anti-Fraud
  
  Identify and prevent fraudulent claims by finding the critical data you need. Close the information gap and stop fraud leakage with robust industry analytics.
  
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  Resolution
  
  Facilitate fast, fair claims resolution with automated tools and data-driven insights that help deliver better outcomes for you and your customers.
  
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- Life Solutions
  Life Solutions
  
  Overview of Life Solutions
  
  Individual Life and Annuities
  
  Employee Benefits & Institutional Annuities
  
  Life Overview
  
  Reimagine life and annuity products, workflows, and customer experiences with simple and flexible life insurance technology and analytics.
  
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  Individual Life and Annuities
  
  Leverage a unified system for increased agility, innovation, and market responsiveness in individual life and annuity lines.
  
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  Employee Benefits & Institutional Annuities
  
  Get end-to-end group life insurance plan administration and optimize group-based offerings with the FAST software solution from Verisk.
  
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- Extreme Event Risk
  Extreme Event Risk
  
  Overview of Extreme Event Risk
  
  Risk Models
  
  Software Solutions
  
  Consulting Services
  
  Natural Hazard Risk and Response
  
  Extreme Event Risk Overview
  
  Industry-leading catastrophe risk modeling software that incorporates global loss indexes and advanced analytics, from the company that pioneered catastrophe risk modeling.
  
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  Risk Models
  
  Catastrophe risk models manage risk from natural catastrophes, man-made threats, and more. Discover what catastrophe risk modeling is and how it works.
  
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  Software Solutions
  
  Understand and manage your catastrophe risk and uncover new insights with flexible catastrophe modeling software that enhances smart decision-making.
  
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  Consulting Services
  
  Verisk offers bespoke extreme event risk modeling services to meet your unique needs. Learn more about how our industry experts can help you manage your risk.
  
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  Natural Hazard Risk and Response
  
  Detailed analytics and solutions for weather and environmental perils to help you mitigate risk, make quicker business decisions, and support profitability.
  
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- Additional Solutions
- Construction
- Consumer Insights
- Sustainability and Resilience
- Government and Municipalities
- Real Estate and Mortgage Servicing
- Transportation
- View All Products
Solutions Overview

Assess risk, improve outcomes, build resilience, and seize strategic opportunities with our innovative solutions designed for insurers and reinsurers.

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Construction

Make smarter business decisions for construction and remodeling with data-driven insights and streamlined workflows.

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Consumer Insights

Find the right customers at the right time among current and potential auto, home, health, and life policyholders seeking a home and its related services.

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Sustainability and Resilience

Global risk intelligence tools by Verisk Maplecroft provide unmatched data and insights into climate, social, and government indices.

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Government and Municipalities

Robust data tools provide necessary resources for governments, industries & law officials. Explore how to mitigate climate, cargo & commercial losses.

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Real Estate and Mortgage Servicing

Make informed property decisions backed by unparalleled insights and comprehensive data on market values, key property characteristics, and historical trends, all in real time.

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Transportation

Drive success across your supply chain with solutions that track complex risks, manage driver hiring, simplify compliance, and improve logistics.

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View All Products

Browse all our available products, across all lines, industries, and stages of the insurance life cycle.

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Resources
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- Thought Leadership
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Verisk Resources

Stay informed about industry trends and innovative solutions with our events, webinars, FAQs, and thought leadership, including the Visualize blog.

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Company
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- About Us
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- Corporate Responsibility
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About Verisk

Learn who we are, explore our history as a strategic partner to the insurance industry, and how we're continuously evolving to support resilience and sustainability for individuals, businesses, and communities.

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Blog
Robin Gruter

Robin Gruter

Robin Gruter is a field analyst at ISO Community Hazard Mitigation and can be contacted at RGruter@verisk.com.

7466

4/11/2017 - 3 min read

The ebb and flow of property risk

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