ISO's Automobile-Property Loss Underwriting Service (A-PLUSTM) is the first and largest property and liability claims database designed for insurance underwriters. With A-PLUS, you can independently evaluate the potential underwriting profitability of individual personal and commercial risks and risk locations.

More than 1,440 insurance companies — representing 95 percent of the industry by premium volume — contribute reports of property claims to the A-PLUS database. Thirty FAIR Plans and other state-sponsored plans also contribute data. A-PLUS supplies three to five years of claims information on all losses, due to all perils, at all thresholds.

A-PLUS also supplies claims histories for personal and commercial auto. More than 980 auto insurers — representing nearly 93 percent of the U.S. private passenger premium volume — have committed to reporting to the A-PLUS database.

And now, A-PLUS offers Coverage VerifierTM — the next generation risk-decision tool. Coverage Verifier provides information on current and previous coverages and other policy-level data for homeowners and personal auto underwriting.

You can access the A-PLUS databases through ISO Passport®, the electronic delivery system from ISO. In addition to A-PLUS loss histories, ISO Passport offers access to extensive underwriting information on specific locations, as well as motor vehicle reports (MVRs), undisclosed-driver reports, consumer-credit data, and much more.

Follow the links for more information about A-PLUS and ISO Passport:

A-PLUS product info

• A-PLUS property database
• A-PLUS auto database
• Coverage Verifier
• A-PLUS privacy and security policies

ISO Passport product info

• ISO Passport overview
• automobile data
• property data
• consumer credit data

Archive of A-PLUS customer newsletters

Participation in A-PLUS
Participation in A-PLUS is open to all U.S. property/casualty insurers, managing general agents (MGAs), joint underwriting associations, pools, FAIR Plans, and other state-sponsored plans. A-PLUS is also available to agents when sponsored by an insurance company. Underwriters and agents can access the A-PLUS database through a variety of automated systems.

To find out how your company or organization can participate — or to ask a question or request more information — call Steven Craig at 201-469-3174, or send e-mail to This e-mail address is being protected from spam bots, you need JavaScript enabled to view it . Or contact your local A-PLUS/ISO Passport representative.