aid: verisk name: Verisk description: >- Verisk (formerly ISO) is a leading data analytics and technology company serving the insurance, energy, and financial services industries. Verisk provides risk scoring, actuarial data, property analytics, catastrophe modeling, claims benchmarking, and underwriting intelligence through RESTful APIs that power insurance pricing, reserving, and exposure management workflows. url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/apis.yml created: '2026-05-03' modified: '2026-05-03' specificationVersion: '0.19' tags: - Insurance - Analytics - Risk Management - Property Data - Catastrophe Modeling - Underwriting - Claims apis: - aid: verisk:insurance-analytics name: Verisk Insurance Analytics API description: >- Verisk Insurance Analytics API provides property risk assessments, ISO fire protection classifications, catastrophe peril scores, insurance risk scoring, and claims benchmarking data for P&C insurance carriers. Delivers loss cost data, risk classification, and underwriting data services for insurance pricing, reserving, and exposure management. humanURL: https://gateway.verisk.com/docs/MainPage.ashx tags: - Insurance - Analytics - Risk Management - Property Data - Catastrophe Modeling - Underwriting - Claims properties: - type: Documentation url: https://gateway.verisk.com/docs/MainPage.ashx - type: GettingStarted url: https://gateway.verisk.com/docs/Getting-Started.ashx - type: Authentication url: https://gateway.verisk.com/docs/Authentication.ashx - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/openapi/verisk-insurance-analytics-openapi.yml - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-property-risk-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-construction-data-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-fire-protection-class-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-address-lookup-request-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-property-lookup-response-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-risk-score-request-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-risk-score-response-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-peril-score-request-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-peril-score-response-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-claims-benchmarks-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-address-schema.json - type: JSONSchema url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-coordinates-schema.json - type: JSONStructure url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-property-risk-structure.json - type: JSONStructure url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-construction-data-structure.json - type: JSONStructure url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-fire-protection-class-structure.json - type: JSONStructure url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-structure/insurance-analytics-claims-benchmarks-structure.json - type: JSON-LD url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-ld/verisk-insurance-analytics-context.jsonld - aid: verisk:underwriting-api name: Verisk UnderWriting API description: >- Verisk UnderWriting API provides personal and commercial lines insurance underwriting data including homeowner data, motor vehicle reports, A-PLUS auto and property reports, LightSpeed prefill, geocoding, ISO fire protection class, and coverage verification for P&C insurance carriers. Supports both JSON and XML response formats. humanURL: https://gateway.verisk.com/docs/MainPage.ashx tags: - Underwriting - Insurance - Personal Lines - Commercial Lines - Motor Vehicle - Property Data properties: - type: Documentation url: https://gateway.verisk.com/docs/MainPage.ashx - type: GettingStarted url: https://gateway.verisk.com/docs/Getting-Started.ashx - type: Authentication url: https://gateway.verisk.com/docs/Authentication.ashx common: - type: Website url: https://www.verisk.com - type: Portal url: https://gateway-documentation.verisk.com/ - type: APIReference url: https://apicatalog.verisk.com/ - type: Documentation url: https://gateway.verisk.com/docs/MainPage.ashx - type: GettingStarted url: https://gateway.verisk.com/docs/Getting-Started.ashx - type: Authentication url: https://gateway.verisk.com/docs/Authentication.ashx - type: TermsOfService url: https://www.verisk.com/terms-of-use/ - type: PrivacyPolicy url: https://www.verisk.com/privacy-policy/ - type: Contact url: https://www.verisk.com/contact/ - type: SpectralRules url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/rules/verisk-spectral-rules.yml - type: Vocabulary url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/vocabulary/verisk-vocabulary.yaml - type: NaftikoCapability url: https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/capabilities/insurance-underwriting.yaml - type: Features data: - name: Property Risk Assessment description: Comprehensive property risk scoring including construction, fire protection class, and hazard exposure for fire, wind, hail, flood, and earthquake perils. - name: ISO Fire Protection Classification description: ISO Public Protection Classification (PPC) grading measuring community fire suppression capability on a 1-10 scale. - name: Catastrophe Peril Scoring description: Natural hazard exposure scores for hurricane, tornado, hail, wildfire, earthquake, and flood risk used for catastrophe risk management. - name: Insurance Risk Scoring description: Risk scores for properties, policies, and portfolios including fire protection class, building code effectiveness grading, flood zone, and earthquake zone scores. - name: Claims Benchmarking description: Industry claims benchmarking data for loss frequency, severity, combined ratio, and loss ratio metrics across lines of business and states. - name: Address Geocoding and Lookup description: Address-to-property resolution with geocoding to USGS coordinates and ISO property identification for prefill and underwriting workflows. - name: Prefill and Accelerated Underwriting description: LightSpeed and homeowner data APIs provide instant underwriting intelligence from a business name and address for small commercial and personal lines. - name: Weather Analytics Integration description: Benchmark API provides hail, wind, lightning, and hurricane wind analytics for property and auto claims and underwriting decisions. - type: UseCases data: - name: Insurance Pricing and Rating description: Use risk scores and property data to accurately price insurance policies for homeowners, auto, and commercial lines of business. - name: Catastrophe Risk Management description: Assess portfolio exposure to natural hazard perils and estimate probable maximum loss (PML) for catastrophe reinsurance programs. - name: Claims Adjudication description: Integrate weather analytics and property data to streamline field adjustments, reduce inspection costs, and accelerate claim cycle times. - name: Underwriting Automation description: Automate underwriting decisions by integrating prefill data, motor vehicle reports, and coverage verification into policy administration systems. - name: Portfolio Risk Monitoring description: Monitor geographic concentration and peril exposure across insurance portfolios for risk management and regulatory reporting. - type: Integrations data: - name: Policy Administration Systems description: Integrate risk scores and underwriting data directly into existing policy administration and underwriting workflow systems. - name: Claims Management Systems description: Embed weather analytics and property data into claims management platforms for faster adjudication. - name: Catastrophe Modeling Platforms description: Feed peril scores and property data into catastrophe modeling platforms like AIR Worldwide and RMS for exposure analysis. - name: Generative AI Underwriting Assistant description: API-enabled GenAI commercial underwriting assistant that integrates into existing policy administration systems. maintainers: - FN: Kin Lane email: kin@apievangelist.com