ISO protection class lookup setup

Verisk (ISO) Underwriting provides the most useful property and hazard information related to a risk address.

BriteCore’s current integration with Verisk Underwriting is for Fire Protection Classes, which assesses fire protection capabilities including Public Protection Classification (PPC) Service, Future Effective PPC Service, and Fire Station Type Service.

BriteCore setup

  1. Contact ISO
    1. Complete paperwork
    2. ISO will assign a project manager
    3. The ISO project manager will email you a zip file titled Kickoff Package containing several documents and credentials for test (UAT) and production. Retain the documents and credentials.
  2. In BriteCore, navigate to Settings > Vendors > ISO Location
    1. Select the box
    2. Select the pencil
    3. Enter the information. Typically, the Account and Sub-Account Numbers are the same.
  3. When the BCEG (Building Code Effectiveness Classification) is enabled, the location address interface will ask to collect the construction year to communicate with ISO to determine a Protection class and BCEG Code value for clients.Per Verisk, “Building Code Effectiveness Classifications from Verisk’s ISO unit helps you distinguish between communities with effective building code enforcement and those with weak enforcement. Municipalities with effective, well-enforced codes demonstrate better loss experience when catastrophe strikes. Buildings located in such communities—constructed according to current codes—experience less severe loss.”
    1. To enable the Construction year input in the location/risk address model:
      1. Navigate to Settings > Advanced
      2. Search: Setting Sections and locate policies
      3. Scroll to require-construction-year
      4. Select True
  4. To enable the display of BCEG code retrieved from the ISO service:
    1. Navigate to Settings > Advanced
    2. Search: Setting Sections and locate vendors
    3. Scroll to show-bcegs-code
    4. Select True

Building Code Effectiveness Grading Schedule (BCEGS)

Building Code Effectiveness Grading (BCEGS) emphasizes building code requirements designed to mitigate losses from natural hazards. BCEGS develops a relative Building Code Effectiveness Classification (or grade) for each community for insurance rating and underwriting purposes.

When the BCEG is enabled, the location address interface will ask to collect the construction year to communicate with ISO. This determines a Protection Class and BCEG Code value for clients.

Add BCEGS Rate Category

ISO provides BCEGS (The Building Code Effectiveness Grading Schedule) Rating that will auto-populate from the property address. This will provide auto assessment of the building codes that are in effect in a particular community and how the community enforces its building codes, with special emphasis on mitigation of losses from natural hazards, to more quickly apply rating.

Input Construction Year in the Location/Risk Address model

  1. Navigate to Settings > Advanced
  2. Search: Setting Sections
  3. Locate Policies
  4. Scroll to require-construction-year
  5. Select True

Display BCEG code retrieved from the ISO Service

  1. Navigate to Settings > Advanced
  2. Search: Setting Sections
  3. Locate Vendors
  4. Scroll to show-bcegs-code
  5. Select True

Both enabled will allow you to add BCEGS Code as a Rate Category in the Edit Line Item.

Note: When show-bcegs-fields setting is disabled, BCEGS Code will not be in the dropdown when adding Rate Categories to a line.

Set up BCEGS as a Rate Category

These steps use a Dwelling Property policy type to illustrate how to use the BCEGS as a rating category. This sample uses the Dwelling Rating Information:

  1. Navigate to Lines
  2. Select an Effective Date and State
  3. Select the desired Policy Type to add BCEGS CODE as a Rate Category
  4. Select the edit icon next to Dwelling Rate Information next to the desired policy type. Dwelling Property Special Form FL-3 is used here for illustrative purposes.
  5. Select the edit icon next to the Line Item to contain the BCEGS Rating Category
    Ex. Rating Information
  6. Select the Rating drop-down menu from the Edit Line Item
  7. Select the Rate Categories drop-down from the Chain Details
  8. Select the +Add a Category icon
  9. In the Category Type dropdown list, select BCEGS Code
  10. Under Category, in the Label box, type BCEGS, and then select Done
  11. BCEG will now appear as a category

Agent policy workflow

Both Gen 2 and Gen 2 Wizard will follow the same workflow when creating a new policy.

  1. Create a new policy
  2. Select the policy type where BCEGS was added as a rate category and enter the contact information
  3. Navigate to the Risk tab with property details and provide the address and zip code
  4. Complete the Construction Year field box
  5. Select the Get Protection Class
    Gen 2 Wizard

    Ex: Gen 2
  6. BCEGS code will auto-populate in the builder, verify the Protection Class is retrieved
    Ex: Gen 2 Wizard

    Ex: Gen 2
  7. Navigate to the Rating tab of Gen 2 and Gen 2 Wizard and locate the BCEG Code in the Dwelling Rating Information

Note: Entering an older construction year (1990 or earlier) results in a defaulted BCEGS Code. ISO does not have BCEGS for construction years prior to 1990, that is the extent of their program.

Default to Prior Protection Class if Lookup fails

ISO Protection Class lookup failures raise a user warning, which halts rating because a user has to choose a new protection class, rate, and commit the policy manually. When enabled, the default-pc-lookup-to-prior setting causes the protection class to default to the previous year’s protection class if the ISO lookup fails. To enable:

  1. Navigate to Settings > Advanced
  2. Search: default-pc-lookup-to-prior
  3. Select True

BriteCore processing

New business

The risk is accessed by an agent or staff member:

  1. For each risk address, enter the address information (address line 1, city, state, zip)
  2. Select Get Protection Class
    1. The address information is sent to ISO as a request (properties.isoPcData {request})
    2. ISO Location matches on two different data points
      • Address Line 1 Level The request validates against this table first. If an exact address match can be found, ISO will return an exact Fire District and Protection Class. Also stored in this data is the distance to water source though it is not shown on the screen (properties.isoPcData {response}).
      • Zip Code Level If an exact address match can’t be found, ISO will return a list of Fire Districts within that zip code, ordered by the percentage of the population serviced by that district. The BriteCore user will need to choose the appropriate Fire District and the distance to the nearest hydrant/water source. The latter will be essential for when a split classification exists.


If a policy is to renew but an exact protection class can’t be identified, processing stops, and recipients of the Processing Errors administrative alert in Settings > System Wide receive a BriteCore Alert: Ambiguous ISO Protection Class email.

Note: A user must access the policy, update the protection class, and then commit the revision.

If the default-pc-lookup-to-prior setting is enabled, the protection class will default to the previous year’s protection class, and the policy will renew.


What do I do if an agent or I disagree with the Protection Class that was returned from ISO?

When something like that happens, contact ISO.