Verisk
Verisk (formerly ISO) is a leading data analytics and technology company serving the insurance, energy, and financial services industries. Verisk provides risk scoring, actuarial data, property analytics, catastrophe modeling, claims benchmarking, and underwriting intelligence through RESTful APIs that power insurance pricing, reserving, and exposure management workflows.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Verisk the way a machine reads it — 72 machine-readable artifacts across 5 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Verisk scores 60.5/100 (strong), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Verisk
Each block below is one kind of artifact we hold for Verisk. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 5
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Verisk UnderWriting API
Verisk UnderWriting API provides personal and commercial lines insurance underwriting data including homeowner data, motor vehicle reports, A-PLUS auto and property reports, Lig...
Verisk Catastrophe API
Catastrophe modeling and peril data
Verisk Claims API
Claims analytics and benchmarking
Verisk Property API
Property risk data and analytics
Verisk Risk Scoring API
Insurance risk scores and rating factors
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Verisk Insurance Analytics API
OPEN COLLECTIONPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Verisk Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Verisk Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Verisk Finops
FINOPSFeatures 8
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Property Risk Assessment
Comprehensive property risk scoring including construction, fire protection class, and hazard exposure for fire, wind, hail, flood, and earthquake perils.
ISO Fire Protection Classification
ISO Public Protection Classification (PPC) grading measuring community fire suppression capability on a 1-10 scale.
Catastrophe Peril Scoring
Natural hazard exposure scores for hurricane, tornado, hail, wildfire, earthquake, and flood risk used for catastrophe risk management.
Insurance Risk Scoring
Risk scores for properties, policies, and portfolios including fire protection class, building code effectiveness grading, flood zone, and earthquake zone scores.
Claims Benchmarking
Industry claims benchmarking data for loss frequency, severity, combined ratio, and loss ratio metrics across lines of business and states.
Address Geocoding and Lookup
Address-to-property resolution with geocoding to USGS coordinates and ISO property identification for prefill and underwriting workflows.
Prefill and Accelerated Underwriting
LightSpeed and homeowner data APIs provide instant underwriting intelligence from a business name and address for small commercial and personal lines.
Weather Analytics Integration
Benchmark API provides hail, wind, lightning, and hurricane wind analytics for property and auto claims and underwriting decisions.
Scroll within the panel for all 8 ·
Semantic Vocabularies 2
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Verisk Context
JSON-LDSpectral Rules 2
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Verisk API Rules
SPECTRALVerisk API Rules
SPECTRALJSON Schema 13
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
AddressLookupRequest
JSON SCHEMAAddress
JSON SCHEMAClaimsBenchmarks
JSON SCHEMAConstructionData
JSON SCHEMACoordinates
JSON SCHEMAFireProtectionClass
JSON SCHEMAPerilScoreRequest
JSON SCHEMAPerilScoreResponse
JSON SCHEMAPropertyLookupResponse
JSON SCHEMAPropertyRisk
JSON SCHEMARiskScoreRequest
JSON SCHEMARiskScoreResponse
JSON SCHEMAVerisk Property Risk Assessment
JSON SCHEMAScroll within the panel for all 13 ·
JSON Structure 13
JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.
JSON Structure definitions describing this provider's data shapes.
Insurance Analytics Address Lookup Request Structure
JSON STRUCTUREInsurance Analytics Address Structure
JSON STRUCTUREInsurance Analytics Claims Benchmarks Structure
JSON STRUCTUREInsurance Analytics Construction Data Structure
JSON STRUCTUREInsurance Analytics Coordinates Structure
JSON STRUCTUREInsurance Analytics Fire Protection Class Structure
JSON STRUCTUREInsurance Analytics Peril Score Request Structure
JSON STRUCTUREInsurance Analytics Peril Score Response Structure
JSON STRUCTUREInsurance Analytics Property Lookup Response Structure
JSON STRUCTUREInsurance Analytics Property Risk Structure
JSON STRUCTUREInsurance Analytics Risk Score Request Structure
JSON STRUCTUREInsurance Analytics Risk Score Response Structure
JSON STRUCTUREVerisk Property Risk Structure
JSON STRUCTUREScroll within the panel for all 13 ·
Examples 13
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Verisk Property Risk Example
EXAMPLEScroll within the panel for all 13 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Use Cases 5
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
Insurance Pricing and Rating
Use risk scores and property data to accurately price insurance policies for homeowners, auto, and commercial lines of business.
Catastrophe Risk Management
Assess portfolio exposure to natural hazard perils and estimate probable maximum loss (PML) for catastrophe reinsurance programs.
Claims Adjudication
Integrate weather analytics and property data to streamline field adjustments, reduce inspection costs, and accelerate claim cycle times.
Underwriting Automation
Automate underwriting decisions by integrating prefill data, motor vehicle reports, and coverage verification into policy administration systems.
Portfolio Risk Monitoring
Monitor geographic concentration and peril exposure across insurance portfolios for risk management and regulatory reporting.
Integrations 4
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
Policy Administration Systems
Integrate risk scores and underwriting data directly into existing policy administration and underwriting workflow systems.
Claims Management Systems
Embed weather analytics and property data into claims management platforms for faster adjudication.
Catastrophe Modeling Platforms
Feed peril scores and property data into catastrophe modeling platforms like AIR Worldwide and RMS for exposure analysis.
Generative AI Underwriting Assistant
API-enabled GenAI commercial underwriting assistant that integrates into existing policy administration systems.
Resources
Every other property we hold for Verisk — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 2
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
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