ISO’s Premium Audit Advisory Service (PAAS®) is your source of technical information and training for premium auditors. PAAS® information helps you properly classify exposures for commercial casualty insurance, including general liability, commercial auto, and workers compensation. PAAS® offers a wide range of essential services, including more than 40,000 classification guides and more than 500 bulletins. The guides feature detailed descriptions of all state-specific and national workers compensation and general liability classifications.


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Workers Compensation Guides

Workers Compensation State Statutory Exceptions

General Liability Guides

Rating Information

Industry Guides




Just the FAQs

Training Manuals

Rating Information

Rating information for workers compensation and general liability pertains to payroll limitations as well as any workers compensation outstanding rate changes. The Chart of State Exceptions provides a side-by-side view of state exceptions, bureau rules, and PAAS® interpretations for workers compensation.

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The leading technical information service for premium audit and underwriting professionals