ISO Participation PlusSM is a powerful package of money-saving products and services for insurers with less than $200 million in written premium for ISO lines of insurance. To start, you get a participation package including:

• ISO's Basic Service — information on business trends that may affect insurers and the industry and ISO's plans to respond to those trends
• ISO Rating Information and Forms — multistate and state rating and policywriting rules, forms, and related information
• ISO's Public Protection Classification (PPCTM) program — important, up-to-date classification information about municipal fire-suppression services throughout the country
• ISO's Building Code Effectiveness Grading Schedule (BCEGS®) program — important, up-to-date classification information about municipal building code adoption and enforcement services throughout the country
• Engineering & Safety Service (E&STM) — technical and regulatory information affecting the operation of insurance loss-control departments
• Premium Audit Advisory Service (PAASTM) — technical information that helps you properly classify exposures for commercial casualty insurance, including general liability, commercial auto, and workers compensation
• Property Claim Services® (PCS®) — technical information on catastrophes and related insurance losses, severe weather, and property claims management
• Policywriting Support Forms — a newly developed collection of forms and innovative, interactive "wizard-based" templates to help you satisfy legal requirements and administer your insurance programs

ISO Participation Plus adds new meaning to "added value"
ISO Participation Plus automatically includes access to rating information and forms for all lines of business, including these new and important programs:

• Management Protection Program — a policy program covering executive (directors and officers) liability, as well as other management-related exposures
• ISO Market Segments Program — a collection of specialized programs to help you meet the needs of customers in important market niches
• Commercial Umbrella Program — policy forms, endorsements, and rules for general liability and auto policies for expanded coverage above underlying limits, as well as "drop-down" coverage when claim payments exceed underlying limits
• Capital Assets Program — an output policy providing broad coverages for large to medium-sized commercial accounts
• Financial Institutions Program — a program to meet the special needs of banks and savings institutions, offering comprehensive coverage for internal fraud and external crime
• E-Commerce Program — a program for commercial enterprises and not-for-profit organizations with a web presence, offering coverage for Internet liability and network perils

ISOnetSM — your gateway to a world of insurance information
ISOnetSM, ISO's Internet information service, provides online access to ISO's circulars, forms, and manuals, as well as many other products and services offered through ISO Participation Plus. With ISOnet, you'll enjoy powerful search features, user-friendly navigation, and hypertext linking that brings a huge collection of ISO information to your fingertips. ISOnet will help your company increase efficiency and productivity, as well as reduce expenses by eliminating the use of paper copies. (Paper copies are available for an additional charge.)

With ISO Participation Plus, you get ISOnet access to all these products and services:

• ISO circulars — new circulars issued daily, plus all circulars issued since 1995.
• Commercial Lines Manual (CLM) — complete information from ISO's 25,000-page CLM.
• Personal lines manuals — ISO's personal lines manuals delivered as PDF files and as downloadable Microsoft® Word files.
• Forms Library on ISOnet — an online collection of more than 9,000 personal and commercial forms and endorsements.
• Forms Information/Report System (FIRSTSM) — an Internet-based service that gives you fast access to reports showing the effective dates, expiration dates, and state applicability information for multistate and individual state forms and endorsements.
• Multi-Line Class Table Database — a fast and efficient electronic system that helps you determine the correct class codes to use in rating and coding commercial lines policies.
• State Filing Handbook — the property/casualty industry's standard reference on filing laws, regulations, and procedures. As part of your package, you also get free access to ISO's telephone Help Desk for fast answers to your questions about individual state requirements, procedures, and filing forms.
• Electronic State Filing Forms — a complete electronic collection of filing forms for use with Microsoft Word and Excel software. Automate the process of selecting, filling out, and tracking your forms. Forms that require calculations come as Excel spreadsheets with the calculations embedded.
• Community Mitigation Classification (CMC) Manual Plus — an electronic version of ISO's Community Mitigation Classification Manual, delivering Public Protection Classifications (PPC), Building Code Effectiveness Grading Schedule (BCEGS) classifications, and more.
• Inland Marine Handbook — all the forms, endorsements, declarations, applications, and policywriting instructions for the 28 classes that make up more than 80 percent of commercial inland marine nonfiled premium volume.
• Motor Carrier Digest — your guide to insurance requirements for common, contract, and private carriers of passengers and property.
• ISO's Technical Advisory Services — a full range of services from ISO's E&S, PAAS, and PCS units.

ISO Participation Plus also includes these important services delivered on CD-ROM or other electronic media:

• EFDTM (Electronic Forms on Disc) — a database of policy forms and endorsements for all ISO lines of business. You can view and print the ISO forms, modify or customize them, and integrate them into your own policy-issuance system.
• Fast Track reports — quarterly reports that give you an early indication of industry results. The reports provide a perspective on changes in insurance data over time and a way to compare your company's results with those of all Fast Track reporting companies. You'll receive the reports as PDF files sent by e-mail. Delivery in other formats (ASCII or Excel) is available for an additional charge.  
• ISO IntegRaterTM — a fast, easy means of incorporating ISO commercial lines advisory loss costs and rating factors into rating and policy-issuance systems. ISO IntegRater helps you significantly reduce costs and improve rating accuracy.
• VINMASTER® (Physical Damage) — a powerful tool that lets you quickly and easily identify a vehicle's current ISO symbol and other vehicle characteristics based on the vehicle identification number (VIN) — or even just the make, model, and model year. VINMASTER is a data file that lists foreign and domestic private passenger autos beginning with model year 2005. Whether you're quoting a rate or renewing a policy, VINMASTER provides information you need to underwrite and rate personal auto policies. You'll receive the data file by e-mail. Supplemental data and other delivery options are available for an additional charge.

For more information . . .
. . . about ISO Participation Plus,— or to get in touch with a sales representative — contact ISO. You can also call us at 1-800-888-4476.