VRSK · CIK 1442145
What Verisk Analytics, Inc. told the SEC could break it.
Verisk's risks flow from being a data business wedded to a single industry. Built over 50 years, its customer base is most U.S. property-and-casualty insurers, so any downturn, consolidation or spending pullback in P&C insurance directly hits demand — and its regulatory exposure largely tracks the data it holds, spanning the Fair Credit Reporting Act, Gramm-Leach-Bliley, the Driver's Privacy Protection Act and the EU's GDPR, plus state insurance-regulator oversight and the constraints of a 1995 antitrust settlement governing insurer involvement in its governance. Underneath, it leans on third-party providers and cloud or dedicated data centers for critical functions, where an outage or breach could significantly impede operations.
4 self-disclosed vulnerabilities, pulled from its own filings, each in the company’s words, with the source. This is the risk register almost nobody reads.
In its own words
What could break it.
Regulatory & policy
- data privacy and consumer-data laws (FCRA, GLBA, DPPA, GDPR)medium
Because it stores personal, public and non-public data, Verisk is exposed to regulation under FCRA, Gramm-Leach-Bliley, Driver's Privacy Protection Act, EU GDPR, Dodd-Frank and other privacy/data laws; regulatory changes could harm the business.
“We provide many types of data and services that already are subject to regulation under the Fair Credit Reporting Act, Gramm-Leach-Bliley Act, Driver's Privacy Protection Act, the European Union's General Data Protection Regulation, the Dodd Frank Wall Street Reform and Consumer Protection Act and to a lesser extent, various other federal, state, and local laws and regulations.”
SEC filing →As of 2026 - 1995 antitrust settlement and state insurance-regulator oversightlow
Verisk's advisory-organization operations are reviewed/examined by state insurance regulators and constrained by a 1995 antitrust settlement (state AGs/private plaintiffs) governing insurer involvement in its governance and business.
“We are subject to the provisions of a 1995 settlement agreement in an antitrust lawsuit brought by various state Attorneys General and private plaintiffs, which imposes certain constraints with respect to insurer involvement in our governance and business.”
Other disclosures
- P&C insurance industry concentrationmedium
Customer base is concentrated in a single industry — most U.S. P&C insurers — so any downturn, consolidation, or spending pullback in P&C insurance directly affects Verisk's demand.
“Our customers, acquired over more than 50 years, include most of the P&C insurance providers in the U.S.”
SEC filing →As of 2026
Supplier concentration
- outsourced data centers / cloud computinglow
Depends on third-party service providers for several outsourced critical functions and on cloud/dedicated data centers; loss of data-center capacity or cloud interruption could significantly impede operations.
“Our operations depend on our ability, as well as that of third-party service providers to whom we have outsourced several critical functions, to protect data centers, whether in cloud or dedicated environments, and related technology against damage from hardware failure, fire, flood, power loss, telecommunications failure, impacts of terrorism, breaches in security (such as the actions of computer hackers), natural disasters, or other disasters.”
SEC filing →As of 2026
In the MyPRIA app, this is checked against the companies you actually own.
← World Watch