Verisk Analytics Insurance & Risk API
Verisk Analytics Insurance and Risk REST API for property/casualty insurance data, actuarial analytics, and catastrophe risk modeling. Enables AI agents to manage ISO rate and form filing integration for P&C insurance compliance, handle loss cost and rating factor access for actuarial pricing automation, access catastrophe model and probable maximum loss analysis for reinsurance and CAT risk management, retrieve fire protection and public protection classification (PPC) data for property insurance underwriting, manage vehicle history (ISO ClaimSearch) and claims intelligence for fraud detection, handle weather and atmospheric peril data for claims triage and catastrophe response, access aerial imagery and property condition data for property underwriting, retrieve commercial auto and workers' compensation analytics for commercial lines underwriting, manage specialty lines and emerging risk data for specialty insurance, and integrate Verisk with insurance core systems, actuarial platforms, and ERM systems.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Insurance analytics. SOC2, ISO27001. OAuth2 with scopes. US. Insurance and risk data.
⚡ Reliability
Best When
A P&C insurance carrier, reinsurer, or risk manager using Verisk data wants AI agents to automate actuarial pricing, catastrophe exposure analysis, fraud detection, property underwriting, and ISO compliance.
Avoid When
ISO RATE FILING COMPLIANCE: Automated use of ISO loss costs and rating factors must comply with state insurance department rate filing requirements; automated rate changes using ISO data without filed rate support create insurance regulatory violation. Catastrophe model limitations — automated CAT model outputs are statistical estimates with significant uncertainty bands; automated reinsurance or capital decisions based on single-point CAT model outputs without uncertainty analysis create risk management errors. Fair Housing and property underwriting — automated property underwriting using geographic data must avoid creating coverage deserts in minority neighborhoods; geographic underwriting restrictions that correlate with protected class demographics create Fair Housing Act exposure. ClaimSearch fraud detection — automated claims decisions based solely on ClaimSearch fraud scores without human adjuster investigation create wrongful claim denial and bad faith exposure.
Use Cases
- • Accessing ISO loss costs from actuarial pricing agents
- • Modeling catastrophe exposure from risk management agents
- • Detecting claims fraud from investigative agents
- • Underwriting property risk from PPC agents
Not For
- • Non-insurance industries without actuarial or risk focus
- • Non-US P&C insurance markets outside Verisk coverage
- • Consumer-facing applications without insurance context
Interface
Authentication
Verisk uses API key and OAuth 2.0 with scopes. REST API with JSON. Jersey City, New Jersey HQ. NASDAQ: VRSK. Founded 1971 (as ISO). Public company. Revenue: $3.5B+. 90%+ of US P&C insurers as customers. ISO (Insurance Services Office) is Verisk's rating and data subsidiary. Competes with CoreLogic, LexisNexis Risk Solutions, and Guy Carpenter for insurance data and analytics.
Pricing
Jersey City, NJ. NASDAQ: VRSK. Founded 1971 (ISO). Public. 90%+ US P&C insurer customers. ISO rating and analytics. Competes with CoreLogic and LexisNexis Risk for insurance data.
Agent Metadata
Known Gotchas
- ⚠ ISO STATE FILING COMPLIANCE: Automated use of ISO loss costs and rating relativities must comply with state insurance department rate and form filing requirements; automated rate changes without supporting ISO filed rates create state market conduct examination findings
- ⚠ CAT model uncertainty bounds — automated catastrophe model outputs are probabilistic estimates; automated reinsurance placement or capital allocation based on single-point CAT estimates (e.g., 1-in-100 year PML) without uncertainty analysis creates risk management error
- ⚠ Fair Housing geographic underwriting — automated property coverage decisions using geographic rating factors must be tested for disparate impact on minority neighborhoods; geographic underwriting restrictions creating coverage deserts create Fair Housing Act exposure
- ⚠ ClaimSearch fraud score adverse action — automated claims denial based solely on ClaimSearch fraud indicators without human adjuster investigation creates bad faith liability; fraud scores are investigative tools requiring human follow-up
- ⚠ ISO program participation for rate access — ISO rated program participation requires carrier membership; automated access to ISO loss costs and rating factors requires ISO program participation agreement; verify ISO licensing before API integration
- ⚠ Workers' comp classification code accuracy — automated workers' compensation rating using NCCI class codes requires accurate job classification; misclassification creates premium inaccuracy and audit adjustments
Alternatives
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Scores are editorial opinions as of 2026-03-07.