ISO Commercial General Liability Rating Software

Modernize Commercial General Liability Rating with SelectRate

Request Demo

Commercial General Liability (CGL) remains one of the most widely written commercial insurance products. Managing ISO General Liability products requires accurate premium calculations, classification management, loss costs, underwriting rules, carrier deviations, effective dates, and ongoing bureau updates. SelectRate provides a modern Commercial General Liability rating platform that enables carriers, Managing General Agents (MGAs), wholesalers, and program administrators to configure, test, deploy, and maintain ISO General Liability products from a centralized cloud platform. Instead of maintaining complex spreadsheets or legacy desktop rating systems, insurance organizations gain a modern product management environment built specifically for commercial insurance.

What Is ISO Commercial General Liability Rating?

ISO Commercial General Liability Rating is the process of calculating premiums using ISO classifications, rating rules, exposure information, loss costs, and underwriting guidelines.

Most insurance organizations also apply carrier specific modifications including:

  • Company Multipliers
  • Underwriting Rules
  • Eligibility Rules
  • Coverage Enhancements
  • State Variations
  • Pricing Adjustments
  • Minimum Premiums
  • Policy Fees

SelectRate combines ISO content and carrier specific configuration within one enterprise platform.

Built for Commercial General Liability

The platform supports organizations writing Commercial General Liability business.

Insurance Carriers
Managing General Agents
Wholesalers
Program Administrators
Specialty Insurance Organizations
InsurTech Companies

Whether you're managing one General Liability product or hundreds of carrier programs, SelectRate simplifies product administration while improving governance.

Configure Commercial General Liability Products

Business users can configure General Liability products without modifying application code.

Manage:

  • Coverage Options
  • Limits
  • Deductibles
  • Classification Codes
  • Rating Variables
  • Underwriting Rules
  • Eligibility Rules
  • Product Versions
  • Effective Dates
  • Carrier Programs

Configuration changes move through governed testing and deployment workflows. Learn more about Insurance Product Configuration Platform

ISO Classification Management

Commercial General Liability products depend on accurate classification management.

Configure:

  • ISO Class Codes
  • Classification Descriptions
  • State Variations
  • Classification Groups
  • Exposure Basis
  • Coverage Eligibility
  • Product Availability

Classification updates can be versioned and scheduled before their effective dates.

Loss Cost Management

Manage ISO General Liability loss costs through a centralized platform.

Supports:

  • Current Loss Costs
  • Historical Loss Costs
  • Future Loss Costs
  • State Variations
  • Effective Dates
  • Product Versions
  • Audit History

Organizations can prepare future bureau releases without affecting current production products. Learn more about Loss Cost Management

Carrier Deviations

Every insurance organization customizes ISO products to meet business objectives.

Configure:

  • Carrier Multipliers
  • Company Factors
  • Coverage Rules
  • Pricing Adjustments
  • Underwriting Rules
  • Eligibility Requirements
  • Product Availability

Carrier specific logic remains separate from bureau content, making future ISO updates easier to implement. Learn more about Carrier Rate Multipliers, Carrier Rating Overrides

Premium Calculation Engine

The SelectRate Rating Engine calculates Commercial General Liability premiums using configurable business rules.

Calculations include:

  • Manual Premium
  • Loss Cost Multipliers
  • Company Factors
  • Individual Risk Premium Modifications
  • Schedule Rating
  • Minimum Premium
  • Taxes
  • Fees
  • Final Premium

Every calculation is transparent through detailed rating worksheets. Learn more about Premium Calculation Engine

Underwriting Rules

Commercial General Liability products require sophisticated underwriting automation.

Configure:

  • Eligibility Rules
  • Refer to Company
  • Decline Rules
  • Authority Limits
  • Industry Restrictions
  • State Restrictions
  • Coverage Restrictions

Premium calculations and underwriting decisions are evaluated together. Learn more about Underwriting Rules Engine

Rating Worksheets and Rating Trace

Every General Liability quote includes detailed calculation transparency.

Review:

  • Rating Variables
  • Classification Results
  • Formula Execution
  • Carrier Adjustments
  • Loss Costs
  • Premium Breakdown
  • Final Premium

Complete rating trace allows underwriters to understand every calculation. Learn more about Rating Worksheet, Rating Trace

Effective Date Management

Commercial General Liability products change regularly.

Manage:

  • Bureau Effective Dates
  • Carrier Effective Dates
  • Historical Products
  • Current Products
  • Future Products
  • Renewal Products

Organizations can maintain multiple active product versions simultaneously. Learn more about Effective Date Management

Automated Testing

Every Commercial General Liability update should be validated before production deployment.

Test:

  • Loss Cost Changes
  • Classification Updates
  • Formula Changes
  • Premium Differences
  • Underwriting Rules
  • Product Configuration
  • Carrier Deviations

Automated testing reduces production risk while improving pricing accuracy. Learn more about Rating Testing Software

Request Demo

Release Management

Deploy Commercial General Liability product updates using governed release workflows.

Supports:

  • Draft Releases
  • Testing Validation
  • Product Approval
  • Scheduled Deployment
  • Rollback
  • Audit History

Every bureau update follows a controlled release process. Learn more about Rating Release Management

API Integration

Expose Commercial General Liability rating through secure REST APIs.

Integrate with:

  • Agency Management Systems
  • Policy Administration Systems
  • Broker Portals
  • Customer Portals
  • Mobile Applications
  • Third Party Platforms

One centralized rating engine serves every connected application. Learn more about Insurance Rating API

Benefits of SelectRate for Commercial General Liability

Insurance organizations modernize General Liability rating to improve operational efficiency and reduce maintenance.

Benefits include:

  • Faster ISO Updates
  • Simplified Carrier Deviations
  • Improved Pricing Accuracy
  • Better Underwriting Consistency
  • Automated Testing
  • Enterprise Governance
  • Faster Product Releases
  • Modern API Architecture
  • Complete Audit History
  • Reduced Operational Risk

Related Resources

Frequently Asked Questions

It is the process of calculating Commercial General Liability premiums using ISO classifications, loss costs, rating rules, and configurable carrier specific pricing.

Yes. SelectRate supports company multipliers, proprietary pricing, underwriting rules, eligibility requirements, and coverage enhancements while preserving the underlying ISO content.

Yes. Future bureau updates can be configured, tested, approved, and scheduled before becoming active.

Yes. Automated testing validates classification changes, loss costs, formulas, premiums, underwriting rules, and carrier deviations before release.

Yes. Commercial General Liability products can be exposed through secure REST APIs for integration with agency management systems, policy administration systems, portals, and third party applications.
SelectRate is a separate product

Looking for the rating platform itself?

SelectsysTech connects distribution workflows to bureau, carrier-native and third-party rating. If you are configuring ISO programs and running a rating workbench, that is SelectRate, and it has its own site.

Go to SelectRate.ai

Modernize Your Commercial General Liability Rating Platform

Whether you're replacing legacy General Liability rating software, implementing new ISO bureau updates, or launching proprietary Commercial General Liability products, SelectRate provides the modern platform needed to configure, govern, test, and deploy with confidence.

Request Demo