ISO Studies and Whitepapers

ISO regularly releases studies and whitepapers on important issues for the insurance industry and society as a whole. The documents include incisive analysis by ISO's actuaries and other experts. Regulators, legislators, and the public — as well as insurance company personnel — will find the reports valuable.

Our website includes the complete texts of some studies and detailed summaries of others. Contact ISO for information on ordering printed copies of the complete studies.

Insurer Financial Results
Annual reports on the condition of the property/casualty insurance industry

• Insurer Financial Results: 2010
• Insurer Financial Results: 2009
• Insurer Financial Results: 2008
• Insurer Financial Results: 2007
• Insurer Financial Results: 2006
• Insurer Financial Results: 2005
• Insurer Financial Results: 2004
• Insurer Financial Results: 2003
• Insurer Financial Results: 2002
• Insurer Financial Results: 2001
• Insurer Financial Results: 2000
• Insurer Financial Results: 1999
• Insurer Financial Results: 1998
• Insurer Financial Results: 1997
• Insurer Financial Results: 1996
• Insurer Financial Results: 1995

Fire Protection and Public Policy
Public/private partnerships to improve fire protection and save lives and property

• Effective Fire Protection: A National Concern
• ISO's PPCTM Program: Helping to Build Effective Fire-Protection Services
• The Wildland/Urban Fire Hazard

Catastrophes
The insurance implications of natural disasters

• A Half Century of Hurricane Experience
• Financing Catastrophe Risk: Capital Market Solutions
• Managing Catastrophe Risk
• Catastrophes: Insurance Issues Surrounding the Northridge Earthquake and Other Natural Disasters
• The Impact of Catastrophes on Property Insurance

Other Insurance Issues

• Fighting Insurance Fraud: Survey of Insurer Anti-Fraud Efforts
• Electronic Commerce in Property/Casualty Insurance: Strategic Advantage or Economic Imperative?
• Homeowners Insurance: Threats from Without, Weakness Within
• Uninsured/Underinsured Motorists Insurance: A Commercial Automobile Perspective
• Superfund and the Insurance Issues Surrounding Abandoned Hazardous Waste Sites
• Risks and Returns: Property/Casualty Insurance Compared with Other Industries
• Health Care Costs in the Property/Casualty Insurance Industry