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We are the Insurance Information Institute. Since 1960, the "Triple I" has had a single mission: To improve public understanding of insurance—what it does and how it works. We are here to serve everybody: consumers; students and educational institutions; insurance professionals; government and regulatory organizations; and the media. Learn More
Insurance Rating Variables: What They Are and Why They Matter

Rating variables are an indispensable tool for setting the cost of insurance and restricting their use can have unintended consequences, according to a new paper released jointly by the Casualty Actuarial Society (CAS) and the Insurance Information Institute.

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New and Trending

Homeowners + Renters Insurance Understanding the insurance claims payment process

After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.

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Insight + Analysis

Insurance Industry 2019 - Commentary on first quarter financial results

Although there were some bumps in the road—claims rose somewhat faster than premiums—most measures of financial results (premiums, underwriting results, investments, surplus growth and profitability) were positive, and some even reached recent or historical peaks. The industry results were released by ISO, a Verisk Analytics company, and the American Property Casualty Insurance Association (APCIA).

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I.I.I. Glossary

LINE- Type or kind of insurance, such as personal lines.

MALPRACTICE INSURANCE- Professional liability coverage for physicians, lawyers, and other specialists against suits alleging negligence or errors and omissions that have harmed clients.

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Thank you to all the news stations across the U.S. who helped us spread tips and information about #hurricaneprep this morning! We hope many people learned how they can prepare for this year’s #hurricaneseason. #SMT2019 #hurricane #insurance #insurancenews

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2 weeks ago

KSEE24 News reporter Fabiola Ramirez takes a test drive in Ford Motor Company’s #druggeddriving suit for the #100DeadliestDays event in Fresno, California. Watch her Facebook Live to see how she performed on the test track! #distracteddriving American Property Casualty Insurance Association CHP – Central Division

Insurance Information Institute shared a video
2 weeks ago

A test driver at the #100DeadliestDays event in Fresno, California demonstrates the effects of Ford Motor Company’s drugged driving suit. Summer months can be the most dangerous for #drivers, especially #teendrivers. #distracteddriving American Property Casualty Insurance Association CHP – Central Division

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3 weeks ago

Stay up to date with all the latest #insurance industry news and trends with the Daily newsletter. Contact us to learn about #membership opportunities that include the Daily subscription. #IIIDailyMP The Wall Street Journal Los Angeles Times

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3 weeks ago

The price you pay for auto insurance reflects many rating variables—including what & how much you drive. Insurers can only use variables approved by state regulators. A new Casualty Actuarial Society & I.I.I. study explains “Insurance Rating Variables: What They Are and Why They Matter.” #autoinsurance https://bit.ly/RatingVariables

Insurance Information Institute shared a photo
3 weeks ago

#Medicalmarijuana laws are rapidly changing from state to state. But what is the impact of legal #marijuana on workplace safety, employer duties and obligations and workers’ comp insurance? Download the I.I.I.’s latest white paper, “#HazeOfConfusion: How Employers and Insurers are Affected by a Patchwork of State Marijuana Laws,” for key facts and analysis of this emerging workplace issue. https://qoo.ly/yqyp5 #insurancenews #marijuananews

Insurance Information Institute shared a https://www.facebook.com/iiiorg/posts/10158101557479749 status
1 month ago

Whether an employee injured on the job can receive workers’ compensation for #medicalmarijuana to treat their injury depends entirely on the laws of the state in which that employee works. At present, medical #marijuana laws vary widely by jurisdiction. Download the I.I.I.’s latest white paper, “#HazeOfConfusion: How Employers and Insurers are Affected by a Patchwork of State Marijuana Laws,” for facts and insights on this complex legal landscape. https://qoo.ly/ykyi5 #insurancenews #marijuananews

Insurance Information Institute shared a https://www.facebook.com/iiiorg/posts/10158086426789749 status
1 month ago

Whether an employee injured on the job can receive workers’ compensation for #medicalmarijuana to treat their injury depends entirely on the laws of the state in which that employee works. At present, medical #marijuana laws vary widely by jurisdiction. Download the I.I.I.’s latest white paper, “#HazeOfConfusion: How Employers and Insurers are Affected by a Patchwork of State Marijuana Laws,” for facts and insights on this complex legal landscape. #marijuananews #insurancenews https://qoo.ly/yhhp5 #insurancenews #marijuananews

Insurance Information Institute shared a https://www.facebook.com/iiiorg/posts/10158084147109749 status
1 month ago

#Medicalmarijuana laws are rapidly changing from state to state. But what is the impact of legal #marijuana on workplace safety, employer duties and obligations and workers’ comp insurance? Download the I.I.I.’s latest white paper, “#HazeOfConfusion: How Employers and Insurers are Affected by a Patchwork of State Marijuana Laws,” for key facts and analysis of this emerging workplace issue. https://qoo.ly/ygv6x #insurancenews #marijuananews As a bonus for I.I.I. members, there will be a live webinar on July 11th that discusses this publication’s findings. Please contact members@iii.org for more information on how you can join this session. #marijuananews #insurancenews

Thought Leadership

I.I.I. News Wire

Parents Should Study How Campus Life Impacts Their Insurance

For immediate release New York Press Office: (212) 346-5500; media@iii.org NEW YORK, August 7, 2019 — The parents of full-time college students should review their insurance policies to make sure their children’s personal possessions are covered while they’re away at school, according to the Insuran… Read More

Media Advisory: I.I.I. To Join Ford Motor Company at Fresno State Event on July 31 as Part of Ford’s Driving Skills for Life Program

For immediate release I.I.I. Read More

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Events Calendar

40th Annual Central Missouri I-Day
September
10
2019
Location: Columbia, MO; Website
Webinar: Price Optimization and Unfair Rate Discrimination: Emerging Regulatory and Litigation Issues in the Era of “Big Data” 
September
18
2019
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