Products Overview

Deborah Summerlin, CPCU, ARP, Vice President, Personal Lines

“One of the biggest challenges for those of us in product development is that the product is a moving target. Without losing sight of current issues, we are always scanning the horizon in this fast-changing environment. This requires vigilant monitoring of market demands, court rulings, and, of course, continual changes in regulation and legislation.

“Our team of professionals is experienced at delivering innovative, technically sound programs. When it comes to developing and maintaining the product, we pay attention to the forest and the trees, so our customers can concentrate on other core operations.

“Whether it involves defining coverage terms for complex issues, such as collapse or water damage, or introducing new coverages for ‘green buildings’ or alternative energy sources, our team crafts products with the clarity and precision our customers expect from AAIS.

“But we also understand the importance of being accessible to you. Our reputation has been built on experienced staff who know our customers and customers who know our staff. At AAIS, ‘access’ means direct contact with an experienced person who can answer your question or solve your problem.”

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For years, Debi has exercised overall responsibility for product development, filing and maintenance for many AAIS programs. She has advised countless affiliates on the implementation and use of programs since coming to AAIS in 1979, and has played a particularly prominent role in the development of AAIS’s farm and agricultural programs.

AAIS develops and maintains these essential components of a product for more than 25 lines of personal, commercial, agricultural, and inland marine insurance.

Our customers know they can count on AAIS to maintain programs that are competitive and compliant, so they can concentrate on marketing, underwriting, and claims administration.

They have seen how AAIS has led the industry in several key areas:

• Developing and filing by-peril rating for homeowners insurance;
• Creating innovative programs specifically designed for writing and rating the growing diversity of farm and agricultural risks;
• Expanding the scope and enhancing the precision of inland marine and output insurance; and
• Developing new coverages and addressing emerging exposures in property and liability insurance.

Program Components

AAIS programs provide insurers with the essential components of an insurance product:

• Base forms and endorsement options, updated to address new exposures and market opportunities;
• State amendatory endorsements, continually updated to assure compliance;
• Manual rules for adding endorsements and implementing rating procedures; and
• Loss cost rating information, plus rating factors and procedures in various lines to reflect loss experience, age of systems, and other rating considerations.

Filing authorization service is available for almost all programs at no additional cost.

The AAIS approach

At AAIS, we believe we do our job when we make it easy for our customers to do theirs.

• Our programs are structured to be customized easily for unique company needs.
• Our policy forms are designed to be packaged with other AAIS or non-AAIS forms, so companies can readily choose the best combinations for insureds.
• The coverage provided under our forms can be readily adapted to a diverse range of risks within a market, as most programs include alternative forms for the policy base.
• Beyond that, AAIS programs provide dozens of endorsement options for modifying coverage.
• The rating procedures and other features of our program manuals are designed to make it easy to integrate them into company operations.

Insurance companies seeking more information on AAIS products and services can contact Rick Maka, director of marketing and strategic alliances, at our contact form , or by calling 800-564-AAIS, ext. 222.