Our vision is to be the world’s most effective and responsible data analytics company in pursuit of our customers’ most strategic opportunities.

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We’re committed to serving our customers with the highest level of quality, service, and innovation in all we do. That’s The Verisk Way.

Three powerful principles guide the way we approach our work:

SERVEWe take great satisfaction anticipating the needs of our customers and colleagues and in exceeding their expectations.

ADD VALUEWe see each day as an opportunity to add value by continually improving quality, productivity, and timeliness.

INNOVATEWe’re passionate about visualizing the future and being thought leaders in order to achieve a better tomorrow.

We do things The Verisk Way because we want our customers, colleagues, shareholders, and communities to flourish.

The Verisk Way™

Who We Are Verisk Analytics is a leading data analytics provider serving customers in insurance, natural resources, and financial services. We’ve been delivering data, analytics, and decision support services to our customers for more than 45 years.

Headquartered in Jersey City, New Jersey, we’re a socially responsible global company with offices and customers in nearly 80 countries around the world. Our industry-leading brands include ISO, Xactware, AIR Worldwide, Argus, and Wood Mackenzie.

Verisk Analytics is a member of Standard & Poor’s S&P 500® Index and part of the Nasdaq-100 Index. In 2016, Forbes magazine named Verisk Analytics to its World’s Most Innovative Companies list and to its America’s Best Large Employers list. Verisk is one of only 14 companies to appear on both lists. Verisk also received the Great Place to Work® Certification for its outstanding workplace culture.

Members of our highly skilled workforce hold almost 2,000 master’s degrees, doctorates, and advanced degrees in predictive analytics, data science, actuarial science, mathematics, computer science, chemistry, physics, economics, engineering, meteorology, and GIS mapping.

We employ more than 6,000 people worldwide to meet the needs of our diverse customers.

Our People

Our people share common values: a commitment to excellence and professional growth, personal integrity, enthusiasm for challenging work, and a desire to contribute their capabilities to a successful team.

AMERICA’SBEST LARGEEMPLOYERS

AMERICA’SBEST LARGEEMPLOYERS

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What We DoUsing advanced technologies to collect and analyze billions of records, Verisk Analytics draws on unique data assets and deep domain expertise to provide first-to-market innovations that are integrated into customer workflows. We offer predictive analytics and decision support solutions to customers in rating, underwriting, claims, catastrophe and weather risk, global risk analytics, natural resources intelligence, economic forecasting, and many other fields.

We help customers make better decisions about risk, investments, and operations with greater precision, efficiency, and discipline. In the United States and around the world, Verisk Analytics helps customers protect people, property, and financial assets.

Insurance

We offer risk assessment services and decision analytics to property/casualty insurers, reinsurers, risk managers, and regulators. We help our customers in the areas of underwriting and rating, claims management, fraud prevention, catastrophe management, and premium audit and loss control. We also provide data and statistical services, insurance policy programs, and compliance and reporting services. And we have expertise in vehicle telematics and enterprise risk management.

Financial Services

For financial institutions and merchants, we offer bench-marking, scoring, analytics, and customized services. These tools help them understand, analyze, and address important challenges facing the payments industry, such as credit default, fraud, loss of market and wallet share, emerging payment technologies, and increased regulatory pressure. We also provide business intelligence platforms, mobile data solutions, enterprise database services, and fraud risk scoring algorithms.

Natural Resources

We provide national and international companies in the energy, chemicals, metals and mining, and renewables sectors with commercial intelligence through our assess-ment and valuation of thousands of individual assets, companies, and economic indicators. Our clients trust us to help them identify and mitigate risk exposure and make confident strategic and operational decisions, asset investments, and portfolio allocations using integrated analysis and deep industry knowledge.

We offer risk assessment services and decision analytics to insurers, reinsurers, risk managers, agents, brokers, and regulators. Our high-quality, leading-edge solutions offer a powerful mix of capabilities to help customers assess and price risk with more accuracy, grow profitably, and improve operational efficiency.

Underwriting and RatingWe provide underwriting and rating information to help customers understand and manage risks. Our services help reduce policy acquisition costs, improve rate classification integrity, and support growth and retention strategies. They also help customers more accurately price risks, reduce premium leakage, and maximize profitability.

Our suite of residential property information tools provides risk-specific data representing every address in the United States. Customers can access data on fire protection for more than 46,000 fire protection areas, building code adoption and enforcement for about 21,000 communities, crime and projected crime-risk scores, properties currently or previously in foreclosure, insurance

rating territories, local premium taxes, and property characteristics. We also offer objective, accurate risk assessments for natural catastrophe perils such as earthquakes, hurricanes, wildfire, sink-holes, flood, and hail. And we provide insurance-to-value and replacement cost estimation tools.

For more than 3.7 million commercial properties, we provide underwriting and rating information on construction, occupancy, fire protection, business- specific exposures, and perils; hazard scoring for risk selection and loss control; and ultrahigh- resolution aerial imagery (where possible).

For underwriting commercial and personal auto policies and evaluating insureds at policy renewal time, we offer a wide array of driver, driver history,

Insurance

and vehicle information. We help auto insurers verify garaging addresses at point of sale and renewal and spot red flags using license plate recognition technology with a location database of more than 4 billion license plate scans. With our mobile app, we help insurers collect validated vehicle odometer readings using consenting policy- holders’ smartphones to track vehicle miles driven for rating, underwriting, and usage-based insur-ance (UBI) programs.

To help classify, segment, and price insurance risks with more accuracy, we offer powerful predictive modeling tools that examine hundreds of indicators to predict expected losses at the policy level by major coverage or peril.

For automating the time-consuming and costly process of policy rate maintenance and manage-ment, we provide innovative rating automation tools. For maintaining rating integrity, we offer services to help detect, correct, and prevent rating errors throughout the policy life cycle.

Claims Management and Fraud Prevention We offer integrated tools to help customers make better decisions at every step of the claim life cycle. From reporting and processing to analysis and investigation, our solutions empower adjusters to quickly distinguish between meritorious claims that can be paid expeditiously and those requiring additional investigation. We’ve built the world’s larg-est database of claims information, which contains

1 billion records and is growing every day. We provide vital data on property, casualty, and auto claims, including physical damage, theft, and salvage information. We offer information on prior loss histories and help customers identify claims patterns, improve claims processing, and detect fraud. We also provide data such as criminal records, police reports, weather forensic reports, and vehicle location reports to improve claims handling and investigations. With our tools that include up-to-date research on local repair costs, we help customers estimate the cost of structural repairs and personal property. And we have a claims-scoring system that helps identify claims fraud, as well as a case management system that increases the efficiency of claims investigations.

We have tools to help settle bodily injury and liability claims quickly and equitably, manage the subro-gation process better, and increase opportunities for recovery. We help detect suspicious patterns in medical billing activity so customers can investigate cases of likely fraud. And we offer products that use visual link analysis technology to help detect and fight insurance fraud, giving customers the power to analyze large amounts of data so it’s easy to understand.

Catastrophe ManagementWe’ve developed more than 100 models for natural catastrophe, cyber, and terrorism risk to assess the likelihood and severity of loss in some 100 countries around the world. Our models cover more than 85 percent of global catastrophe losses. For primary

3.7M+ Detailed information on more than 3.7 million commercial buildings and 26 million businesses

1B+ More than 1 billion claims in our insurance fraud-fighting claims database

personal and commercial lines insurers, the excess and surplus market, reinsurers, and brokers, we provide a complete catastrophe modeling and risk analysis platform with advanced analytics to help them manage risk associated with natural and man-made catastrophes, weather, and climate.

With our catastrophe management services, we help customers assess individual risks, analyze their portfolio distribution, assist with reserving decisions, develop loss mitigation strategies, and evaluate risk-transfer alternatives. We collect data on disasters in the United States, Puerto Rico, the U.S. Virgin Islands, and Canada and provide analytics that define the extent and type of damage, establish dates of occurrence, determine the geographic areas affected, and assign catastrophe serial numbers the industry uses to track losses. We provide complete, up-to-date reporting on severe weather incidents. And we offer bench-marking reports that provide industry best prac-tices, data and information for catastrophe claims operations, and insight on catastrophe response compensation procedure and policy decisions.

Using a trillion observations covering two decades, we develop data-driven estimates of severe weather hazards for insurers in the United States and Canada to gain additional insights on severe weather and help them manage weather risks and related costs.

Vehicle TelematicsWe offer analytical tools for telematics and usage- based insurance (UBI) programs for personal and commercial auto that directly measure driving behavior. Our first-of-its-kind data exchange efficiently retrieves driving data from all kinds of connected vehicles for underwriting, rating, and claims handling through UBI programs. The single exchange solves the many-to-many challenge by connecting automakers and telematics service pro- viders to multiple insurers. For insurers, telematics data can spur quick and efficient implementation of UBI programs, mitigate loss while promoting safe driving, and improve policyholder experience from purchase through renewal and claims.

Compliance and ReportingFor more than four decades, insurers have relied on us for compliance and reporting services, which help them make more informed decisions, plan strategically, and comply with federal and state requirements.

For the property/casualty industry, we serve as statistical agent for many lines of insurance in all 50 states, the District of Columbia, and Puerto Rico. We help insurers comply with their legal responsibility to collect statistical data about premiums and losses and report that data to insurance regulators. We provide auto data to AIPSO on behalf of our reporting companies, as well as the required claims data to state fraud bureaus, fire marshals, or other entities on behalf of insurers. We also have tools to notify loss payees and mortgagees of policy changes affecting their collateral and help customers comply with electronic automobile liability insurance reporting (ALIR).

Our workers compensation compliance and report-ing services offer back-office processing support, injury and policy reporting, data conversion, proof of coverage, and advanced analytics.

100+ More than 100 models for natural catastrophe, cyber, and terrorism risk in some 100 countries

Our Medicare compliance services help customers comply with mandatory claims reporting require-ments of Section 111 of the Medicare, Medicaid, and SCHIP Extension Act of 2007 (MMSEA). We also provide Medicare compliance and claims resolution services to help customers meet obliga-tions under state and federal laws—while reducing claims costs and expediting settlements.

Data and Statistical ServicesFrom our statistical database, in which we amass approximately 3 billion detailed records of collected insurance premiums and losses each year, we provide advisory prospective loss costs, cash flow and investment income analyses, aggregate infor-mation on insurance trends, classification and territory analyses, assessments of financial risk from catastrophic events, reports on loss development and severity trends, insurance premium change information, and more. Customers can use this information for ratemaking, underwriting, bench-marking, strategic planning, reinsurance pricing, and marketing. We also provide statistical plans and reporting services to help our customers meet individual state requirements.

Insurance Coverages and Emerging RiskWe’re the recognized leader in developing stan-dardized and specialty insurance policy programs that help insurers define and cover the risks their policyholders face. We develop policy language along with rating and policywriting rules to cover

all kinds of property and liability risks for 26 lines of commercial and personal insurance, including specialty lines such as directors and officers liability, cyber risk, financial institutions, motorcycle, and inland marine. Our standardized programs help regulators make sure insurers’ policies meet basic coverage expectations, simplify claim settlements, and assist insurers in entering new markets and lines of business. We also offer coverage options for emerging risks, such as ridesharing, drones, and virtual currencies, and report on others, such as hydraulic fracturing, blockchain technology, and the Internet of Things.

We provide advisory prospective loss costs— estimates insurers can use to make decisions about the prices they charge for their policies.

We also offer information necessary to minimize customers’ compliance exposure. We carefully monitor developments in the statutory and regula-tory arenas and track thousands of legislative bills, regulatory actions, and court decisions annually. On average, we submit roughly 3,000 filings to state insurance departments every year to keep our products compliant with statutory and regula-tory requirements. Our State Filing Handbook provides an online source of critical compliance details and information about state filing laws, regulations, and procedures in all jurisdictions.

Technical Advisory ServicesWe provide technical, legislative, and regulatory information for risk management and loss control, helping customers manage commercial property/casualty risk. We analyze specific hazards, pro-cesses, and operations and provide guidelines for loss control. We also provide technical information and training for premium auditors and help properly classify exposures for commercial casualty insur-ance, including general liability, commercial auto, and workers compensation.

~3B Approximately 3 billion detailed records of insurance premiums and losses collected each year in our statistical database

We’re a global leader in commercial intelligence for the natural resources sector, empowering customers to make better strategic decisions by arming them with objective analysis and advice on assets, companies, and markets.

Natural Resources

We have dedicated oil, gas, power, chemicals, and metals and mining sector teams located around the world. They deliver research and consulting projects based on our assessment and valuation of thousands of individual assets, companies, and economic indicators, such as market supply, demand, and price trends.

Over the past 40 years, we’ve evolved naturally along the energy value chain to capture all the key components affecting global markets. Our integrated approach allows us to spot trends and forecast future dynamics before anyone else.

At every stage, we apply a unique and rigorous analytical approach to provide objective analysis and trusted advice valued around the world. As a result, we can count the world’s key energy com-panies, financial institutions, and governments among our most loyal customers.

We work with strategy and policy makers, business developers and market analysts, corporate finance professionals, risk teams, and investors. They trust us to help them make confident strategic decisions based on integrated analysis and deep industry knowledge.

Subscription ServicesOur subscription services give customers direct access to more than 500 of our expert research professionals, who are located around the world and have unrivaled knowledge of the regions they cover. Their strong, established relationships with industry contacts take our primary research to a more detailed level, where we can ask the right questions to get to the answers that matter.

On-Demand Reports and ForecastsIn response to an inherent need for customized and flexible access to our insight, more than 10,000 of our reports and forecasts are available for purchase online, covering the entire value chain at an asset, company, and market level.

ConsultingOur consultants are uniquely positioned to under-stand our customers’ businesses and the wider competitive landscape, turning complex challenges into profitable opportunities. Strengthened by our leading research division and embedded in the industry, our consultants help customers improve performance and stay ahead of the competition.

Country Risk DataOur fully integrated risk data and subnational map-ping platform allows energy and metals and mining companies to identify, compare, and monitor more than 200 risks, including terrorism, conflict, civil unrest, corruption, human rights violations, and natural hazards. We support these analytics with in-depth reports that provide comprehensive risk assessments for countries, sectors, or commodities and with a range of interactive tools that help companies manage and mitigate key operational and reputational risks.

55M+ More than 55 million energy data points in the upstream oil and gas industry

Syndicated StudiesOur array of benchmarking studies provides an external perspective for customers by compiling and reporting product, performance, and profit-ability information aggregated from an extensive and comprehensive mix of market participants. Depersonalized but joined by proprietary wallet

technology, our benchmarking studies enable banks to fully understand their customers’ unique needs and to build products and services to match. The studies also help our customers understand current competitive trends (such as growth trends and emerging technologies) of the credit card, personal loan, and retail banking industries.

Financial Services

For financial institutions and firms in the payments industry, we offer bench-marking, scoring, analytics, and customized services. Those solutions help our customers understand, analyze, and address important challenges facing the payments industry, such as gains or losses in market and wallet share, credit default, fraud, emerging payment technologies, and the impact of regulatory change.

We also provide tailored data management solutions to customers worldwide, including business intelligence platforms, profitability views, mobile data solutions, enterprise database services, and fraud risk scoring algorithms.

Product SolutionsWe offer predictive algorithms, business intelli-gence, and analytical tools that help our customers measure, manage, and optimize the performance of their portfolios and develop competitive strate-gies. Our statistical models and algorithms, including both highly customized and off-the-shelf variants, optimally align products and promotions to the appropriate prospects and customer segments, identify first- and third-party fraud, and mitigate repayment and capital risk. We focus on developing the right business partnerships to deliver scalable digital marketing solutions.

Advisory ServicesWe combine best-in-class strategies, industry expertise, and our industry data assets to help our customers make better business decisions through ongoing strategic and revenue-generating engage- ments. We develop bespoke strategies for wallet- and market-share growth, credit line management, portfolio conversion, expense management, risk management, capital and LLP provisioning, and customer engagement, as well as optimization of marketing offers, collections strategies, and pricing and fees.

Alternative Lending We offer many services in alternative lending, including strategic planning, building and refining underwriting and risk capabilities, portfolio loss

forecasting, and business modeling for new product launches. Our practice also extends to installment loans, sales finance, small-dollar installment loans, and peer-to-peer (P2P) lending—lending funds to businesses through online services that match lenders directly with borrowers, helping customers develop and grow profitable, well-managed, and compliant business solutions.

Retail Analytics For card issuers, their merchant partners, and acquirers, we provide advanced tool sets, applica-tions, and insights that address industry challenges. Our customers gain competitive advantage, as we employ unique and proprietary data assets and models to benchmark and predict store perfor-mance; optimize fraud detection; eliminate opera- tional inefficiencies; inform and enhance store location decision models; and track, assess, and illuminate the impact of media and marketing spend in both online and offline channels.

Global Reach Argus offers our range of benchmarking, scoring, analytics, and custom solutions to clients in many countries worldwide. Our benchmarking solutions are available across many locations in Asia, including Australia, New Zealand, Malaysia, and Singapore; we’ve also expanded to Mexico and Brazil to complement existing solutions in the United States, the United Kingdom, Ireland, and Canada. With offices in most countries and Argus dedicated teams working closely with customers for the delivery of custom solutions across a range of products, our customers find that Argus’s best-in-class analytics are never far away.

1.5B Depersonalized information on 1.5 billion credit and debit card accounts

Our Global PlatformTo best serve our customers, Verisk Analytics has many offices strategically located throughout the United States and around the world.

For More InformationFor information on our organization, products, and services, visit www.verisk.com

To learn about our commitment to corporate social responsibility, visit www.verisk.com/csr

For investor information, including the latest Verisk Analytics Annual Report and stock and financial information, visit http://investor.verisk.com

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AstanaBeijing

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Brisbane

Sydney

Jakarta

Munich

Vienna

Tel Aviv

Dubai

Hyderabad

Copenhagen

Edinburgh

Montreal

Boston

Middletown

Halifax

Chicago

New York

Jersey City

Rio de Janeiro

Buenos Aires

Perth

San Francisco

Lehi

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Houston

Lima

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ColumbiaAbuja

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Our Commitment to Corporate Social Responsibility

CompanyWe’re committed to operating with business integrity that guides our work within a responsible economic, societal, and environmental framework.

EnvironmentWe’re committed to rightsizing our environmental footprint in our business operations, buildings, and automobile fleet by implementing strategies to reduce energy consumption.

PeopleWe’re committed to a culture of workplace diversity and inclusion and to the well-being and professional growth of our people.

SocietyWe’re committed—locally and around the world—to providing financial assistance to like-minded organizations and to supporting and volunteering in communities in which we work and live.

What Sets Us Apart— Our DistinctivesAt Verisk Analytics, we follow a set of Distinctives — sustainable competitive advantages — that guide our company. Our Distinctives provide a unique framework to produce actionable, mission-critical solutions to meet the needs of our customers and the markets we serve.

DEEP INTEGRATION INTO CUSTOMER WORKFLOWS

By embedding our solutions into customer work- flows, we help our customers better manage risk and optimize their bottom line.

UNIQUE DATA ASSETS

We use our proprietary data assets to develop predictive analytics and transformative models for our customers.

DEEP DOMAINEXPERTISE

We have specialized and in-depth knowledge in a number of defined vertical markets.

STEADY STREAM OF FIRST-TO-MARKET INNOVATIONS

Because innovation is vital to growth and success, we’re on a continuous quest to be the first to market with new solutions.

545 Washington BoulevardJersey City, NJ 07310-1686201.469.3000www.verisk.com

© 2018 Insurance Services Office, Inc. Verisk Analytics, the Verisk Analytics logo, and ISO are registered trademarks and Verisk and The Verisk Way are trademarks of Insurance Services Office, Inc. AIR Worldwide is a registered trademark of AIR Worldwide Corporation. Argus is a trademark of Argus Information and Advisory Services, LLC. Wood Mackenzie is a registered trademark of Wood Mackenzie Limited. Xactware is a registered trademark of Xactware Solutions, Inc. All other product or corporate names are trademarks or registered trademarks of their respective companies. va

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