Please use this email address to file advisory organization license requests or applications or for help with registering as an advisory organization:

Application fee $500

Renewal fee $200 due January 1st, company is responsible for annual renewal, no reminders are sent

Fees are payable to the Arkansas Insurance Department (AID) Trust Fund

ACA 23-67-202. defines Advisory Organization or Rate Service Organization as “any entity which either has two (2) or more member insurers or is controlled either directly or indirectly by two (2) or more insurers, licensed under § 23-67-214, and which assists insurers in ratemaking-related activities such as those enumerated in § 23-67-216 or two (2) or more insurers having a common ownership or operating in this state under common management or control constitute a single insurer for the purpose of this definition. (Arkansas Code)

The following are licensed as advisory or rate service organizations in Arkansas.


ACORD is a nonprofit insurance association whose mission is to facilitate the development and use of standards for the insurance and related financial services industries. ACORD accomplishes its mission by remaining an objective, independent advocate for sharing information among diverse platforms.

ACORD is committed to providing standards and services that improve efficiency and expand market reach by: reducing costs; reducing duplication of work and ambiguous communication exchanges; improving accuracy; facilitating e-business; and supporting multiple distribution models


AIPSO provides all the services necessary for the effective and efficient administration of automotive insurance plans specifically designed to provide options to high-risk drivers and the industry that insures them. They are a not-for-profit organization.

They provide expertise in the fields of insurance, management, actuarial science, statistical analysis, information systems development, audit services, accounting, and insurance law. Many services are provided directly to or on behalf of governing committees that represent their state's residual market mechanism


The American Association of Insurance Services is a product development resource for property/casualty insurers who require responsive, innovative information services. With more than 60 years of expertise in actuarial analysis, policy form development, and regulatory filings, AAIS is now a recognized leader in customized product research and design. More than 600 property/casualty companies use AAIS products and services.


Arity, LLC is a technology company within The Allstate Corporation that leverages software, data, and analytics to help businesses make better decisions and provide valuable services to consumers and to provide services to the auto insurance industry. ARITY


The Insurance Institute for Highway Safety is a nonprofit research and communications organization funded by auto insurers. For over 30 years the Insurance Institute for Highway Safety has been a leader in finding out what works and doesn't work to prevent motor vehicle crashes in the first place and reduce injuries in the crashes that still occur. The Institute's research focuses on countermeasures aimed at all three factors in motor vehicle crashes (human, vehicular, and environmental) and on interventions that can occur before, during, and after crashes to reduce losses. In 1992 the Vehicle Research Center (VRC) was opened. This center, which includes a state-of-the-art crash test facility, is the focus of most of the Institute's vehicle-related research. The Institute's affiliate organization, the Highway Loss Data Institute, gathers, processes, and publishes data on the ways in which insurance losses vary among different kinds of vehicles


ISS is comprised of Property and Casualty insurance specialists serving as a state-authorized statistical agent to over 400 companies. Their customers represent not only a wide variety of sizes, but type of companies as well; including large national companies, single and multi-line writers, specialty writers and regional or one-state writers. They assist customers in fulfilling their state reporting requirements by collecting only the necessary information annually and preparing reports for insurance departments, rating bureaus and other agencies.


ISO is the premier source of information about property and liability risk. For a broad spectrum of commercial and personal lines of insurance, ISO provides analytical and decision-support products and services, including statistical, actuarial, underwriting, and claims information; consulting; technical services; policy language; information about specific locations; fraud-identification tools; and data processing.

ISO Data is the statistical data division of Insurance Services Office, Inc.


Mill and Elevator Rating Bureau is a commercial property rating association for mills and grain elevators.


MSO is a national advisory rating service bureau providing policy form, rule, actuarial, and statistical services to insurers since 1944. MSO has long been an industry leader, offering commercial and personal lines property and casualty programs that are comprehensive yet easy to use. MSO will work with companies to customize products to meet their specifically targeted marketing and underwriting requirements.


NCCI operates as a not-for-profit rating, statistical and data management services organization. NCCI products and services assist insurers, regulatory officials, lawmakers, and other industry stakeholders in making informed decisions that support the efficient economic functioning of the workers compensation system.

NCCI's core services include:

  • Rate and advisory loss cost filings
  • Cost analyses of proposed and enacted legislation
  • Residual market management
  • Production of Experience Ratings
  • Statistical and compliance services
  • Maintenance of the workers compensation infrastructure of classifications, rules, plans and forms
  • Tools for informed decision-making that extend and enhance traditional, core offerings


National Crop Insurance Services (NCIS) is an international not-for-profit organization representing the interests of more than 60 crop insurance companies. NCIS member companies write Crop-Hail Insurance; Multiple Peril Crop Insurance (MPCI), the federally subsidized risk management program; and, privately developed crop insurance products totaling approximately $3 billion in premium, with liability totaling approximately $50 billion. These companies service all farmers participating in the federal program, including limited-resource and socially-disadvantaged farmers. In partnership with the government, these private companies are the safety net that equitably provides risk management to the American farmer. NCIS members range in size from one-state companies to national writers, as well as foreign company members.


NISS is a unique resource for the property/casualty insurance industry. We collect and report timely, quality insurance data, and perform other related functions, at a reasonable cost.

NISS is committed to providing our member companies with outstanding service, and doing it in a friendly, positive, responsive manner. We are here to make your job easier - not only by providing you with the reporting mechanism you need, but also by helping you understand it better and keeping it simple.

We are number-crunchers. We truly enjoy working with numbers (why else would we be in this business?). Even more importantly, we enjoy solving problems and assisting people.


ODEN® Insurance Services, Inc. is a regulatory research and publishing organization. We produce web-based compliance research and software, and our products include information for all insurance lines. Some of the areas we address include market conduct, underwriting, licensing, filing, and policy termination. We are a family-owned business based in Tulsa, Oklahoma, and since 1988 we have successfully assisted insurance companies, brokers, MGAs, risk managers and other professionals.