All insurance coverage is based upon calculated risk -- but who's doing the calculating? Insurance Services is one source for such information. Founded in 1971, Insurance Services Office (ISO) provides statistical, actuarial, and underwriting information for the commercial and personal property/casualty insurance and risk management industries. The company gathers premium, claim, and loss data that is filed with state regulators; the data is used to evaluate the price of insurance state by state, and country by country. ISO also offers technical services, policy language consulting, and fraud identification tools. The company, a subsidiary of Verisk, has offices in Israel, the UK, and the US.