Verisk Analytics, Inc. · NASDAQ:VRSK
Verisk Analytics — Technical Presentation (2026)
27 slides from Verisk Analytics's technical presentation, 2026
Slide 1: Commercial Auto Profitability Playbook: Analytic Approaches and Strategic Tools
Commercial Auto Profitability Playbook: Analytic Approaches and Strategic Tools verisk.com © Verisk Analytics, Inc. All rights reserved.
Slide 2: Today's presenters
Today’s presenters Jimmy Engström Jane Shaughnessy Director Product Manager Underwriting Solutions Underwriting Solutions Verisk Verisk 2 © Verisk Analytics, Inc. All rights reserved.
Slide 3: Policy Statement
Policy Statement The policy of Verisk Analytics and subsidiary companies is to comply in all respects with federal and state antitrust laws. With this in mind, we want to mention that during all seminars held under our auspices, this policy prohibits discussion of certain topics. Because we want to
Slide 4: Profitability: An Ongoing Challenge
Profitability: An Ongoing Challenge Industry consistently loses money, but some carriers write auto profitably 4 © Verisk Analytics, Inc. All rights reserved.
Slide 5: Major Rating Components Widely Used in the Industry
Major Rating Components Widely Used in the Industry Ex: Truck Collision Rating Formula Territory Loss Cost Size Class Primary Business Use Secondary Factor Radius Class Fleet Size Factor Vehicle Value – Deductible Discount Factors Age & OCN NAICS Factor Heavy Farm Factor Heavy Dumping Factor Final P
Slide 6: Major Rating Components Widely Used in the Industry
Major Rating Components Widely Used in the Industry Ex: Truck Collision Rating Formula Territory Loss Cost Size Class Primary Business Use Secondary Factor Radius Class Fleet Size Factor Vehicle Value – Deductible Discount Factors Age & OCN NAICS Factor Heavy Farm Factor Heavy Dumping Factor Final P
Slide 7: Strictly Using Experience Typically Creates Larger Geographic Territories
Strictly Using Experience Typically Creates Larger Geographic Territories ISO PPT Collision advisory territory loss cost = 18 unique territories © OpenStreetMap Contributors 7 © Verisk Analytics, Inc. All rights reserved.
Slide 8: Predictive Models can help increase Rating Segmentation
Predictive Models can help increase Rating Segmentation Replacing broad averages with risk-specific pricing © OpenStreetMap Contributors © OpenStreetMap Contributors More segmentation → better alignment to loss → improved pricing and underwriting outcomes 8 © Verisk Analytics, Inc. All rights reserv
Slide 9: ISO Risk Analyzer Commercial Auto Environmental Module
ISO Risk Analyzer Commercial Auto Environmental Module Address-level territory rating Location-specific external data signals enhance risk segmentation Evaluate risks at the specific location using predictive models that analyze hundreds of local environmental indicator to determine expected loss co
Slide 10: Example of Segmentation Achieved Using Non-insurance Data Within a Predictive Model
Example of Segmentation Achieved Using Non-insurance Data Within a Predictive Model From 18 territories to modeled loss cost for 2,581unique Census Block Groups (CBGs) © OpenStreetMap Contributors 10 © Verisk Analytics, Inc. All rights reserved.
Slide 11: Model performance on industry data
Model performance on industry data 11 © Verisk Analytics, Inc. All rights reserved.
Slide 12: Model performance on industry data
Model performance on industry data 12 © Verisk Analytics, Inc. All rights reserved.
Slide 13: Major Rating Components Widely Used in the Industry
Major Rating Components Widely Used in the Industry Ex: Truck Collision Rating Formula Territory Loss Cost Size Class Primary Business Use Secondary Factor Radius Class Fleet Size Factor Vehicle Value – Deductible Discount Factors Age & OCN NAICS Factor Heavy Farm Factor Heavy Dumping Factor Final P
Slide 14: What Radius is Used for Your Insured Vehicles?
What Radius is Used for Your Insured Vehicles? Most vehicles are rated “Local,” but a Verisk study reveals different results: 14 © Verisk Analytics, Inc. All rights reserved.
Slide 15: What is RadiusCheck?
What is RadiusCheck? RadiusCheck is a tool that uses visual vehicle sighting information to report location How it Works Industry Need • All LPR sightings • Radius Classification is extremely uploaded to database difficult to determine • Tagged with date/time • Radius misclassification can impact an
Slide 16: Where Are Vehicles Sighted?
Where Are Vehicles Sighted? Scan availability (normalized for population) SIGHTINGS NORMALIZED BY POPULATION WASHINGTON 1.50 NORTH DAKOTA OREGON MINNESOTA IDAHO 0.21 WISCONSIN M… SOUTH DAKOTA NEW YORK MICHIGAN CO… WYOMING IOWA PENNSYLVANIA NEBRASKA N… NEVADA OHIO M… UTAH ILLINOIS INDIANA CALIFORNIA
Slide 17: Radius Violation Example
Radius Violation Example VIN: 1FTYE1Y81LKSERIAL Vehicle: 2020 Ford Transit Plate: PFP5256, TX Garaging: Arlington, TX Sightings: 44 Total Sightings, 25% Outside © OpenStreetMap Contributors 17 © Verisk Analytics, Inc. All rights reserved.
Slide 18: Radius Violation Example
Radius Violation Example VIN: 1GCNCNEH1JZSERIAL Vehicle: 2018 Chevrolet Silverado Plate: 60373N2, CA Garaging: Rohnert Park, CA Sightings: 10 Total Sightings, 100% Outside © OpenStreetMap Contributors 18 © Verisk Analytics, Inc. All rights reserved.
Slide 19: Vehicle-Related Rating Enhancements
Vehicle-Related Rating WARNING If you see this message, the image placeholder on the title slide has been removed. Enhancements To restore the image placeholder, reset the layout by going to Home → Slides → Reset Keep image placeholder within the boundaries of this placeholder—do not crop beyond its
Slide 20: Major Rating Components Widely Used in the Industry
Major Rating Components Widely Used in the Industry Ex: Truck Collision Rating Formula Territory Loss Cost Size Class Primary Business Use Secondary Factor Radius Class Fleet Size Factor Vehicle Value – Deductible Discount Factors Age & OCN NAICS Factor Heavy Farm Factor Heavy Dumping Factor Final P
Slide 21: VINs are Key to Understanding Detailed Vehicle Information
VINs are Key to Understanding Detailed Vehicle Information 3C6UR5GLXPGSERIAL 3 Make Details • Make: RAM C • Type: Truck • Country: Mexico • Complete Build: Y 6 U Vehicle Details • Model: 2500 • Trim Level: Longhorn R • Engine: 6.7L I6 Turbo Diesel • Drive Type: 4x4 5 • Body Type: Crew Cab/4dr • Capa
Slide 22: Access to Granular Vehicle Data Could be a ~$45k Difference
Access to Granular Vehicle Data Could be a ~$45k Difference 3C6UR5GLXPGSERIAL Basic Model Cost Trim Level Highest Trim Cost $51,425 2023 RAM 2500 Crew Cab 4x4 6.4’ SB * $86,240 + • Tradesman: $51,425 + Standard Engine • Big Horn: $56,895 $9,625 • Laramie: $65,185 • Power Wagon: $68,620 • Rebel: $70,
Slide 23: Major Rating Components Widely Used in the Industry
Major Rating Components Widely Used in the Industry Ex: Truck Collision Rating Formula Territory Loss Cost Size Class Primary Business Use Secondary Factor Radius Class Fleet Size Factor Vehicle Value – Deductible Discount Factors Age & OCN NAICS Factor Heavy Farm Factor Heavy Dumping Factor Final P
Slide 24: ISO Risk Analyzer Commercial Auto
ISO Risk Analyzer Commercial Auto Commercial Auto Vehicle Symbols Increase rating accuracy by pricing each vehicle by coverage by the risk it represents based on vehicle characteristics ✓ VIN level modeling: PPT and TTT vehicles ✓ Rating factors for Collision, Comprehensive & Liability coverages 24
Slide 25: These vehicles that would be treated the same without Symbols
These vehicles that would be treated the same without Symbols 25 © Verisk Analytics, Inc. All rights reserved.
Slide 26: Model performance on industry data
Model performance on industry data Lift = (1.30/0.63)-1 =106% Lift = (1.24/0.69)-1 =80% Lift = (1.34/0.78)-1 =72% Lift = (1.41/0.77)-1 =83% 26 © Verisk Analytics, Inc. All rights reserved.
Slide 27: Thank you! Questions?
Thank you! Put us to the test! Questions? Email us: Contact your Verisk [email protected] account executive to Learn more about: learn more. verisk.com/commercialauto No part of this presentation may be copied or redistributed without the prior written consent of ISO. This material was used ex