ISO offers a broad array of Specialty Commercial Lines insurance programs that make it easy for you to enter and compete in new markets. Each program gives you standardized ISO policy forms and endorsements, manual rules, loss costs, and related information.

These state-of-the art programs help you reduce the expenses associated with policywriting, while giving you the flexibility to meet the demands of your customers and choose the coverages you need.

ISO’s Specialty Commercial Lines programs help you:

• reduce the cost and complexity of entering new lines of business
• make better decisions on risk selection
• comply with mandatory coverage-reporting requirements
• streamline underwriting workflow
• grow customer relationships

ISO offers services for all these lines of insurance and special programs:

Agri-CAP® (Agricultural Capital Assets Program)
An output policy providing broad coverages and pricing flexibility for medium-sized to large agricultural-related businesses

Businessowners (BOP)
A self-contained package policy offering broad property and liability coverage for small and midsize businesses

Capital Assets
An output policy providing broad coverages and pricing flexibility for medium-sized to large manufacturing, industrial, habitational, commercial, retail, wholesale, service, contractor, and institutional risks

Commercial Inland Marine
A comprehensive program that protects commercial classes of property pertaining to a business, profession, or occupation — including property in transit — against physical loss or damage from a broad scope of causes of loss; also provides coverage for business income, extra expense, and certain legal liability exposures

Crime and Fidelity
Coverage for businesses and government entities against employee theft, burglary, computer fraud, and other workplace crime

 E-Commerce
A program that covers Internet liability and network perils — from viruses to cyber-extortion to liability arising from security breaches — for companies and not-for-profit organizations with a web presence

Employment-related Practices Liability (EPL)
Coverage for an array of employment-related offenses, including sexual harassment, wrongful termination, and racial and other types of discrimination

Equipment Breakdown (formerly Boiler and Machinery)
A program that protects both business and industry against sudden and accidental breakdown of equipment, with coverage for damage to the equipment itself, damage to other property owned by the insured, damage to the property of others, and business income and extra expense losses, among other exposures

Farm
A program providing property and liability coverage — including a farm umbrella or excess liability policy — for businesses ranging from small family farms to large agribusinesses

Financial Institutions
A comprehensive program protecting against internal and external crime at banks and savings institutions, securities brokers and dealers, insurance companies, and finance companies

Inland Marine Handbook
The tools you need — including policy forms, applications, ranges of loss costs, instructions, underwriting considerations, and loss-control recommendations — to handle the major classes that account for more than 90 percent of nonfiled commercial inland marine premium volume

ISO Employers AdvantageSM
A program that packages ISO’s EPL insurance program with a complete range of underwriting and human resources risk-management services

Management Protection (D&O)
A policy program covering executive (directors and officers) liability, as well as other management-related exposures, for public and private for-profit corporations (including financial institutions) and not-for-profit organizations

Market Segments
A collection of ready-to-use programs with specialized coverages for a variety of high-potential market niches

For more information . . .
. . . about ISO's Specialty Commercial Lines programs, contact ISO. You can also call us at 1-800-888-4476. And for information on how you can sign up for ISO's insurance programs, see How to Get ISO Products and Services.