American Association of Insurance Services

	Winter 2008 Vol. 32, No.3 DOWNLOAD PDF (1.8 MB) Liability in the age of surveillance How much information is too much—or too little? Pricing incentives Will mandatory discounts and credits encourage homeowners to invest in windstorm damage mitigation? Over-Under Common pitfalls of insuring farm personal property GUEST ESSAY Hurricanes: A Lesson in Catastrophe Risk By Rebecca Sukharev, Manager of content production, Insurance Solutions Group, Wolters Kluwer Financial Services

	Fall 2007 Vol. 32, No.2 DOWNLOAD PDF (1.8 MB) The AAIS Homeowners Program for 2007 Coverage crafted with precision Insuring Farm Cargo Coverage varies under different forms Open files Information from filings moves onto public websites People of Letters More designations mean more choices for P/C professional development GUEST ESSAY Character, Capacity, Collateral, Capital and Conditions Lending Evaluations and Insurer Ratings Intersect By Joseph L. Petrelli president, Demotech, Inc. In demand; not always welcome Product managers need to know it all, but not act like they do

	Summer 2007 Vol. 32, No.1 DOWNLOAD PDF (1.2 MB) Insuring Rehabs Picking the right form when insuring work on existing buildings Stepping Up the Pace Larris Larsen explains why there are more state specific bulletins Farm Income Insurance Risk-specific knowledge needed to establish adequate limits and coinsurance GUEST ESSAY Policy System Conversions: No need to fear By Robert Symons, president Tritech Financial Systems Inc. Threat assessment Extension and expansion of federal terrorism program requires some new thinking GUEST ESSAY TRIA and the Perils of Terrorism Insurance By Karen C. Yotis, JD Legal Editor, LexisNexis Editor, Mealey’s Insurance Regulatory Compliance Report

	Spring 2007 Vol. 31, No.4 DOWNLOAD PDF (1.9 MB) Federal Focus Congress considers insurance issues "Big Gardens" that need CGL policiesr An AAIS discussion of insuring community supported agriculture Conference Report 2007 AAIS Main Event April 22-24, Charleston, S.C.

	Winter 2007 Vol. 31, No.3 DOWNLOAD PDF (1.2 MB) Equipment Breakdown Coverage in Homeowners Insurance AAIS and HSB team up to develop new endorsements Cow Power Farms seeking to insure growing number of electricity-generating manure digesters AAISdirect: A portal created by partnerships Responses by Risk Meter & e2Value Inc. Tort Reform: Will it be rolled back?

	Fall 2006 Vol. 31, No.2 DOWNLOAD PDF (1.1 MB) Faith-Based Marketing in Personal Lines An old practice takes on new life Soft costs, hard concept AAIS seeks to clarify an area of confusion GUEST ESSAY Small Can Be Beautiful Observations from an ERM study by Dr. Shaun Wang, FCAS, MAAA Executive Director, ERM Institute International, Ltd. and Robert Faber, CPCU President and CEO, Risk Lighthouse, Inc. Trouble in the air Will “nuisance suits” become a nuisance for farm insurers? Condominium insurance AAIS addresses a complex and shifting landscape What’s the problem, exactly? New Patriot Act provisions designed to establish the real cost of cargo crime

	Summer 2006 Vol. 31, No.1 DOWNLOAD PDF (1.2 MB) Predictive Analytics: Commercial Lines The impact on class-based underwriting Predictive Analytics: Personal Lines Education and occupation in homeowners rating GUEST ESSAY Technology automates routine claims; expert systems unleash human capital By Badri Narasimhan Vice President of Claims Strategy & Business Development Insurity, Inc., Specialists on generalists Inland marine specialists say commercial generalists can miss the mark when writing the line Multi-state farms Flexibility required in policy construction and rating Pandemic planning Something is coming. You have to get ready. For what?

	Spring 2006 Vol. 30, No.4 DOWNLOAD PDF (1.2 MB) The Evolution in Rating New sources of data and new territorial definitions refine how rating is done Distributed Energy New power generating capabilities bring utility exposures onto insured premises Common Clause Push for ‘contract certainty’ boosts standardization in reinsurance contracts GUEST ESSAY Regional and specialty insurers: Why they matter By Joseph L. Petrelli, ACAS, MAAA, FCAS Founder and president, Demotech, Inc., Columbus, Ohio Proud, but not satisfied Conference Report on the 2006 AAIS Annual Conference

	Winter 2006 Vol. 30, No.3 DOWNLOAD PDF (1.2 MB) Toys or Vehicles? Growing range of motorized toys poses coverage challenge From Farm to Fork �Traceability� provides benefits and drawbacks to farm insurers GUEST ESSAY High-Tech, High Risk Modern Equipment Demands Better Insurance Coverage By Paul Henault, The Hartford Steam Boiler Inspection and Insurance Co. Windstorms and Windfalls It�s possible to profit from demand surge and file a business income claim. Is it fair? Faster Filings Automated filing changing the work of compliance professionals

	Fall 2005 Vol. 30, No.2 DOWNLOAD PDF (1.6 MB) Wind or Water? Voices call for a restructuring of coverage GUEST ESSAY Hurricane Katrina: A Market-Turning Event? by Lisa Howard, Communications Manager GE Insurance Solutions GUEST ESSAY Reinsurance Supply and Demand in a Post-Katrina World by Thomas A. Hulst, Vice President Gen Re, Stamford, Conn. Harvesting value Carriers seeking to improve valuation in farm lines Bill Stripp retiring after 20 years of service with AAIS Giving credit where credit is due New sources of underwriting information can expand market opportunities A question of class What constitutes an inland marine �class,� and why isn�t the number of classes growing?

	Summer 2005 Vol. 30, No.1 DOWNLOAD PDF (1.3 MB) Insuring �Agritainment� Is it farming or a business? All in the family Homeowners insurance evolves to reflect changing households Refined rating New Motor Truck Cargo rating rules and worksheets respond to demands from users and regulators What have we learned... ...about terrorism since Sept. 11th?

	Spring 2005 Vol. 29, No.4 DOWNLOAD PDF (5.3 MB) Statistical Reporting, 2005 What is its role today? Small items; big values Portable electronic devices pose a challenge for personal property coverage Conference Report on the 2005 AAIS Annual Conference Getting it Right! Insurers take pride in their �citizen-soldiers�

	Winter 2005 Vol. 29, No. 3 DOWNLOAD PDF (1.3 MB) Under the Spotlight Drive for disclosure casts old practices in a new light Reporting Claims Histories Is the worst over, or about to begin? Home-Based Businesses An overlooked or overrated market? A Good Line Gets Better Steady drop in underwriting expenses drives improved results in inland marine

	Fall 2004 Vol. 29, No. 2 DOWNLOAD PDF (1.5 MB) Insuring Restaurants Can standard BOP writers succeed in insuring a large and newly eligible class of small businesses? Pricing the pieces Can sublimits and deductibles make personal liability coverage more fair and affordable? Equipment breakdown coverage in agriculture AAIS and Hartford Steam Boiler develop new coverage options
	Summer 2004 Vol. 29, No. 1 DOWNLOAD PDF (1.8 MB) Sandstorm What should we do about silica? Hometown heroes in more ways than one Fewer volunteer firefighters are doing more things. Can they still protect property? Manufactured Housing A new term does not eliminate old distinctions Coming to accord on ACORD forms Industry input sought on new versions of property and liability certificates
	Spring 2004 Vol. 28, No. 4 DOWNLOAD PDF (1.4 MB) AAIS ANNUAL CONFERENCE COVERAGE The growing demand for a federal role Are things really that bad with state regulation? On the horizon Insurance industry must prepare for scheduled �sunset� of federal terrorism backstop Motor Truck Cargo New forms herald a new era
	Winter 2004 Vol. 28, No. 3 DOWNLOAD PDF (2.3 MB) More than mere words Expansion, revision, and filing of the Inland Marine Guide reflects service and expertise Respect the market Change your approach, not your expectations, when writing insurance in urban markets Extended hours, extended risks? Should commercial lines underwriting and rating reflect a �24/7� world?

American Association of Insurance Services
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