Commercial Properties

Commercial Property

For carriers that are looking to write commercial properties coverage in a simplified policy structure, AAIS delivers a modular program that support customized products that can be tailored to your appetite.

AAIS provides separate forms to cover building and business personal property, builders’ risk, condominium building, condominium unit, and business income with multiple perils parts.

The AAIS Commercial Property Program

  • 60 optional endorsements to address a variety of property coverage needs, including:

    • a suite of options to modify property coverages

    • business income coverages

    • perils

  • Easy to read forms where language is consistent across AAIS programs

  • Rating alignment with industry standard

  • Over 250 detailed classifications encompassing:

    • Habitational

    • Mercantile

    • non-manufacturing

    • warehousing properties, accompanied by class and/or “a” rating

  • AAIS Glass product offers specialized solutions for commercial buildings with significant glass building components.

  • Flexibility

    • Combine Commercial Property with other monoline policies under the Combination Policy Program (CPP) and receive a discount rating factor for writing multiple policies.

    • Combine a Commercial Liability program with Commercial Property to create a package offering.

Hi-tech Delivery

  • Online delivery of policy forms and manuals

  • Policy administration system providers, such as BriteCore, who provide AAIS content in a digestible fashion.

  • Product implementation technical assets

  • Unique service partner relationships, including:

    • DroneBase conducts drones services for roof inspections at scale nationwide. Lower your operating costs and send pilots out to get the aerial imagery you need to process a claim or underwriting inspection. DroneBase insurance packages are safe, affordable, available nationwide, and FAA compliant.

    • e2Value® offers an easy-to-use estimator that can accurately calculate replacement costs and actual cash value for virtually any commercial structure, from smaller retail shops to larger, more complex facilities such as hospitals, warehouses, schools and manufacturing centers.

Superior Service

  • Commercial lines experts with insurance carrier experience and CPCU designations to respond to your inquiries and support your success.

  • Dedicated compliance team which tracks state-level jurisdictional activities from start to law, with speedy product updates and filings to help carriers stay compliant.

  • Product preview, side-by-side’s, and other onboarding services for carriers’ smooth program implementation

  • Tailored solutions for custom product development

  • Initial filing adoption of standard AAIS products in all states the carrier where the carrier will write business.

    • Statistical reporting to relieve carriers from the burden so they focus on their core business operations.

For more information…

For more on how to leverage these and other AAIS Commercial Lines Solutions, including artisans program for small contractors, Commercial Umbrella, numerous Inland Marine product, and personal lines homeowners, condo, tenant and auto to cross-sell the business owner, contact an AAIS Commercial Lines advisor.