The Earnix Blog: Resources for Insurance and Banking Leaders

For US P&C carriers, adopting a new ISO rate plan involves much more than loading new rating content. The 2026 Commercial General Liability (GL) changes make the complexity of that transition particularly clear.

Every delay in an insurance decision carries a cost. When pricing changes come too late, insurers can remain exposed to adverse selection; when underwriting guidelines lag the market, risk can become misaligned; and when customer signals are missed, retention opportunities can disappear.

Insurance rating engines are no longer relevant only to actuarial teams. Discover how connecting pricing, underwriting, product, marketing, and customer engagement can help insurers deliver more relevant offers, respond faster to market changes, and create better customer outcomes.

A pricing model validated by the technical committee in February. A price effectively applied to the policyholder in October. I have seen this gap repeat itself across very different organizations, first from the actuarial production side, then from the solution provider side.