Earnix Announces Integration with Verisk’s ISO ERC^TM - Faster Rating, Preserved Deviations, and Efficient Filing for the Commercial Lines

Turning regulatory change into an advantage for commercial lines carriers

The commercial lines market runs on a regulatory beat. ISO circulars land in waves, states add variations, and actuarial, product, and IT teams race to keep rating content current. Too often, this means months of re-keying, rebuilding, and re-qualifying—work that drains expert time from pricing strategy and slows the time-to-market.

We’re excited to announce that Earnix has integrated Verisk’s ISO Electronic Rating Content™ (ISO ERC^TM) directly into Earnix Price-It™. Carriers can ingest rating content, retain their proprietary deviations intact, analyze book impact, and transition from modeling to filing with confidence—compressing the circular implementation process from months to days – and you can find out more about this exciting development here.

What’s new

At the core is automation where it matters most, which means that instead of manually rebuilding each time a circular arrives, teams can:

• Spin up production-ready models fast. Price-It™ reads machine-ready ISO ERC and automatically converts algorithms, rules, loss costs, and rate tables into Earnix’s native model syntax. That eliminates manual mapping and rebuilding, allowing teams to transition from circular to executed models in days instead of months.

• Apply and preserve your deviations across updates. Proprietary factors, formulas, and rules live as explicit “deviation layers” on top of ISO content. When a new circular arrives, those layers carry forward automatically, with diffs that make it clear what changed and where—reducing rework and preventing regression errors.

• Stay aligned with ISO while protecting your competitive edge. Selectively adopt circulars by state or line, simulate the impact before promoting to production, and only commit the changes that support your strategy. You get the benefits of staying current without diluting the unique rating logic that differentiates your book.

Documentation gets simpler, too. The same platform handles versioning, change diffs, and filing artifacts that support state submissions and audits.

Why it matters

ISO ERC has become the baseline for commercial lines. Insurers need a digital, auditable, and cost-effective way to stay compliant without sacrificing strategy. With Earnix, carriers can selectively adopt circulars, run scenarios, and measure book-level impact—all in one place. The result: fewer manual steps, faster decisions, and stronger governance.

Proof in practice

For one customer, work that once took nine months now takes less than a day after modernizing the ISO process. When teams aren’t rebuilding models with each update, they can focus on what moves the needle—underwriting profitability, territory and factor strategy, and market experiments—instead of content plumbing. Pair that with smoother filing support, and regulatory change becomes a source of agility, not just an obligation.

By unifying ISO ERC ingestion, deviation management, simulation, and filing in a single workflow, carriers gain:

• Speed — One workflow handles ingestion, modeling, simulation, and filing, cutting handoffs and manual steps. Carriers implement ISO ERC circulars in days, react to market conditions faster, and launch rate changes on tighter timelines.

• Control — Versioning, change diffs, and auditable deviation layers give you precise governance over every rating decision. You can roll forward, roll back, or selectively deploy by state with confidence that your proprietary strategy remains intact.

• Clarity — Scenario modeling and book-level impact reports quantify expected premium and loss effects before you file. The same artifacts support state filings and audits, ensuring that every decision is backed by transparent and defensible analysis.

In a market defined by frequent circulars, state variation, and rising competition, that combination reduces effort and risk while accelerating time-to-market.