While liability and automobile exposures will be written and rated using traditional ISO rating plans, property exposures will be written using ISO's Capital Assets program. The Capital Assets program uses ISO's comprehensive commercial output form and deficiency-point rating both of which combine to give Penn Millers enhanced underwriting, pricing and coverage flexibility.

The Capital Assets program is designed to provide coverage for all of the insured's buildings, business personal property and inland marine exposures at covered locations or located anywhere within the coverage territory.

Standard Capital Assets coverage is provided on a blanket basis at replacement cost with no coinsurance requirement when 100% insurance-to-value is written. Alternatives including coverage on a scheduled basis with coinsurance, valuations based upon either actual cash value, functional replacement cost-building, or agreed value, and requirements of less than 100% insurance-to-value are also available.