AAIS ISSUES DETAILED
EXPERIENCE REPORTS FOR
AGRICULTURAL OUTPUT PROGRAM

AAIS has issued new, highly detailed data reports on premium and loss experience under the AAIS Agricultural Output Program (AgOP).

 The 20-page reports, posted on the AAISdirect Internet service, provide 2006-08 calendar year data for the following categories:

• State and countrywide totals and percentages for written premium, earned premium, and incurred losses;

• Premium and loss figures by coverage (building, personal property, stock, time element, etc.);

• Premium and loss figures for more than 60 classes of agricultural and ag-related commercial risks; and

• Incurred losses by cause of loss (fire, wind, etc.), including causes of loss for individual coverages.

The reports are available on AAISdirect at no additional charge to companies affiliated with AAIS for use of the AgOP.

The reports will be available to other companies for a fee. To inquire about receiving a copy, contact Rick Maka, director of marketing, at rickm@AAISonline.com, or by calling 800-564-AAIS, ext. 222.

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AAIS ISSUES LATEST
CAUSE OF LOSS REPORT
FOR HOMEOWNERS

AAIS has also posted its latest Homeowners Cause of Loss Report on AAISdirect.

This report, produced annually, indicates the percentage and average severity of losses due to property perils and liability claims incurred by carriers that report homeowners statistical data to AAIS.

The latest report has been updated from previous versions to provide loss information for each state and the entire country from 2006 through 2008, as well as for the combined three-year period. The data is provided for calendar-accident years, an important feature for company personnel charged with underwriting, pricing, and loss reserving.

For 2006-08, the report provides the following countrywide results, as well as information on average severities:

Cause of loss	Percentage of incurred loss including catastrophes	Percentage of incurred loss excluding catastrophes
Property peril
Fire	33.1%	39.6%
Lightning	2.0%	2.4%
Wind	14.5%	10.4%
Hail	14.8%	5.7%
Water damage	15.3%	18.3%
Freezing	1.9%	2.1%
Theft	4.0%	4.8%
Other prop losses	8.2%	9.3%
Property total	93.8%	92.6%
Liability claim
Bodily injury	2.6%	3.2%
Property damage	1.8%	2.1%
Med payments	0.2%	0.2%
Other liab losses	1.6%	1.9%
Liability total	6.2%	7.4%

Totals may not add to 100% due to rounding.

The report is available at no additional charge to insurers that use the AAIS Homeowners Program and AAISdirect. For other companies, including those not affiliated with AAIS, the report is available for a fee.

For information on acquiring a copy of the latest Homeowners Cause of Loss Report, contact Rick Maka, director of marketing, at rickm@AAISonline.com, or by calling 800-564-AAIS, ext. 217.

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AAIS INVITES INPUT ON CLAIMS
ARISING FROM SOCIAL MEDIA AND
ELECTRONIC COMMUNICATIONS

To support ongoing efforts to monitor liability exposure, AAIS invites insurers to share any information they have on claims or potential claims arising from electronic communications, such as e-mail, text messaging, online social networks, and more.

Research by AAIS and other organizations indicates that the rapidly growing use of electronic communications by individuals and organizations creates vastly greater exposure for personal injury claims, as well as potential for bodily injury and property damage claims.

Starting in 2006, AAIS has revised its Homeowners personal injury provisions to explicitly address what is covered and not covered regarding electronic communications. Today, language addressing "electronic aggression" is being contemplated for an upcoming revision of the AAIS Personal Umbrella Program.

Companies seeking to provide input on this topic can respond to Joseph Harrington, AAIS director of corporate communications, at joeh@AAISonline.com.

Companies are always invited to submit information about new and emerging exposures through the AAIS Alert feature on the AAIS public website.

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