Verisk Insurance Data API
Enterprise REST API providing ISO filings, actuarial datasets, property risk scores, fraud detection signals, and catastrophe models used by P&C insurers for underwriting and claims decisioning.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
mTLS and VPN requirements reflect enterprise-grade security appropriate for sensitive actuarial and fraud data. However, the security model is perimeter-based rather than modern zero-trust. No fine-grained OAuth scopes — access is all-or-nothing per data product contract.
⚡ Reliability
Best When
A P&C insurer's underwriting or claims platform needs enrichment with authoritative actuarial, property, or fraud data from the industry's primary data aggregator.
Avoid When
You don't have an enterprise insurance industry relationship, need self-service access, or are building outside the P&C insurance vertical.
Use Cases
- • Automated property risk scoring during underwriting workflows
- • Fraud signal enrichment on first-notice-of-loss claims
- • ISO filing lookup for rate and form compliance
- • Catastrophe exposure aggregation for reinsurance reporting
- • Claims analytics and severity benchmarking
Not For
- • Startups or non-insurance companies — enterprise contracts required
- • Consumer-facing applications — data licensing prohibits redistribution
- • Low-latency real-time consumer interactions — designed for batch and transactional underwriting workflows
Interface
Authentication
API key plus mutual TLS (mTLS) for enterprise clients. Some product lines require dedicated VPN or private network connectivity. Auth method varies by specific data product and contract.
Pricing
No self-service pricing. Enterprise contracts negotiated directly with Verisk account teams. Minimum commitments and data licensing terms vary significantly by product line.
Agent Metadata
Known Gotchas
- ⚠ No public API documentation — all docs are behind authenticated enterprise portals
- ⚠ Different data products have different endpoints, auth methods, and schemas — not a unified API
- ⚠ Data licensing terms restrict how responses can be stored, cached, or redistributed
- ⚠ Contract negotiation required before any API access — cannot evaluate without business relationship
- ⚠ Some data products require on-premise or private network connectivity rather than public internet
- ⚠ Rate limits and SLAs vary by specific data product contract
- ⚠ Agent access to actuarial data may require explicit licensing amendment
Alternatives
Full Evaluation Report
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Scores are editorial opinions as of 2026-03-07.