Virtual University

The Big "I" Virtual University is the leading technical insurance and agency management information source in the industry -- developed by agents, for agents. Virtual University's extensive research library provides information on all types of coverages, sample ISO forms, special features, checklists, white papers and more.

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Ask an Expert

Sometimes you need answers to questions that can't be found in Big "I" Virtual University's Research Library. That's where Ask an Expert can help!

To help with these "just in time" issues, OIA members have access to a volunteer faculty of leading experts from around the country to help answer your questions.‚Äč

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Virtual Risk Consultant

The Big I Advantage® Virtual Risk Consultant (VRC), powered by Rough Notes, is a powerful online client service resource tool that no OIA member should be without.

VRC is useful for all positions in the agency from agency principal to CSR, and will lead to increased sales in most situations.

Agency staff will be more knowledgeable about client/prospect operations, and the VRC’s commercial and personal lines risk exposure analysis process offers a systemic approach to:

  • Understand the client’s operation with overviews for more than 650 business classes and personal lines risks
  • Identify client exposures with customizable client surveys/questionnaires
  • Create thorough customer proposals with information pertinent to their operation and a glossary of insurance terms
  • Prudently document customer files with signed coverage checklists

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FC&S New Subscription

Save 15 percent on new subscriptions to FC&S Online! For more than 80 years, the FC&S service has been the unquestioned authority in the P&C industry.

FC&S is the resource agents have relied on to research Commercial lines, Personal lines, Umbrella, and D&O. Find the most unbiased analysis and interpretation and keep current on the latest ISO, AAIS and select MSO revisions. Now, with FC&S Online, you can have this same proven resource with added online benefits such as the ability to get the information you need quickly with industry-leading search and drill down capabilities, real-time updates that keep you up-to-the-minute with changes as they occur and instant access to highly-skilled editors who can answer your hard-to-find interpretation questions.

To get started, call The National Underwriter Company at (800) 543-0874 and refer to your OIA membership and promo code D00408EA when ordering.

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ISOnet brings ISO's vast wealth of insurance information to you over the web. You can easily locate current and historical ISO documents, eliminating the time you'd waste tracking down misplaced or filed copies. Reduce costs associated with internal routing, paper duplication and storage, and updating manuals. With ISOnet, you'll have real-time access to:

  • ISO's 25,000-page commercial lines manual, including state and multi-state rules
  • Loss costs and forms for all ISO commercial lines of business
  • Classification table, rating plans and ISO community classifications
  • ISO's personal lines manuals
  • More than 9,000 personal and commercial policy forms and endorsements
  • The most accurate property and risk information related to a risk address (through LOCATION®)
  • And many more valuable resources...

For OIA members, a one-year subscription is $580 (members save $145!). For more information or to purchase this product, contact ISO sales at(888) 778-4102, option 4, or by sending an email to

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Legal Hotline

Get advice from attorneys specializing in insurance issues with OIA's Legal Hotline. OIA members receive a 30-minute consultation with an attorney that provides advice on legal questions relating to the insurance industry. Click the button below or call us at (800) 555-1742 to get started!

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