A summary of the ISO Circular for October 28, 2025. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.

When thousands of dollars of tools are destroyed and the policy contains a limit on tools, how do you determine what is a tool?

Is the mere presence of an increased risk in a person's work environment sufficient to connect that person's injuries to their employment for workers compensation purposes?

An overview of the Unfair Claims Settlement Practices Act.

A discussion of a press release published by the California DOI asking insurers to implement protective measures for insureds affected by the shutdown.

The ISO PM 00 01 12 02 Common Policy Provisions form.

The ISO PM 02 10 12 02 Estates Endorsement.

The ISO PM 00 31 12 02 Motorized Vehicles for Handicapped Person Form.

The ISO PM 00 14 12 02 Musical Instruments Form.

The ISO PM 00 19 12 02 Personal Property Form.