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

Workers Compensation State Statutory Exceptions

The Workers Compensation State Statutory Exceptions provides the state statute in relation to types of employment or provisions of interest to the underwriting, premium audit and legal divisions of insurance companies. The search criteria allows searches by state exceptions, types of employment, state statute, and statutory provisions wording. Information is current based on the state statutes listed on the governmental website and does not reflect proposed changes or laws recently passed.

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