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

General Liability Guides

The General Liability Guides provide information on the proper use of each general liability classification. You may search in all jurisdictions or in a specific state by classification code, associated code (workers compensation, SIC, or NAICS), or text. The Guide for each classification includes the code number applicable in the specified state(s), the workers compensation suggested cross-reference code; the footnote, if any; contemplated operations; analogies; related codes; state exceptions; exclusions to the national code; and appropriate SIC or NAICS codes.

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