2004 - 2010

Spring 2010     Vol. 34, No.4
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• By-Peril Rating
  AAIS prepares to file by-peril, multivariate
  rating plan for homeowners insurance
• Harnessing Data for Results
  The 2010 AAIS Main Event
  April 11-13, Fort Myers, Fla.
• Antibiotics and livestock
  Will the issue move to the courtroom?
• Inland Marine, 2010
  Competition for accounts and
  talent erodes results

Winter 2010     Vol. 34, No.3
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• What makes a policy
  READABLE?

• Works in Progress
  “Your work” and “faulty workmanship”
  exclusions get some new scrutiny

• Equipment Breakdown in Construction

• Chinese Drywall
  A threat to commercial insurers--
  and to free trade

Fall 2009     Vol. 34, No.2
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• Earthquake rating
  AAIS’s new Homeowners
  earthquake rating plan

• Quarantined from coverage
  New commercial lines exclusions
  address communicable diseases
  and disease-causing organisms

• Green liabilities
  Assessing the impact of green construction
  on commercial general liability exposures

• GUEST ESSAY
  2009’s Legislative and Regulatory Activity
  Puts Increased Demands on Insurers
  By Kathy Donovan,
  senior compliance counsel,
  Insurance Compliance Solutions
  Wolters Kluwer Financial Services

Summer 2009     Vol. 34, No.1
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• Federal financing?
  Congress debates if and how
  the federal government should
  help finance catastrophe recovery

• Marriage, and more
  Who, if anyone, benefits when forms
  are modified to address civil unions
  and domestic partnerships?

• ‘Green’ coverages come
  to builders’ risk insurance
  But the new endorsements are just a start

• Arson and Recession:
  Is there really a connection?

Spring 2009     Vol. 33, No.4
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• What is “pollution?”
  Texas initiates a review of
  pollution liability exclusions

• Dealing with Medicare
  New claim reporting requirement
  just one aspect of the program’s
  growing presence in medical claims

• Conference Report
  on the 2009 AAIS Main Event

• Workplace Defamation:
  False trend or serious threat?

Winter 2009     Vol. 33, No.3
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• Small trucks, big questions
  Micro-utility vehicles have underwriters
  asking whether and where they’re insured

• When bad things happen
  New “expense” coverages straddle the line
  between property and liability insurance

• Agricultural Liability Insurance Rating
  AAIS shifts from acreage-based to sales-based
  rating bases for many farm classes

• The Great Disconnect
  e2Value CEO Todd Rissel explains
  how market values and construction
  costs sometimes correlate--and
  sometimes don’t

• AAIS revises water exclusions
  in new Homeowners forms
  and other programs
  

Fall 2008    Vol. 33, No.2
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• Price Points
  Carriers can offer more choices when loss costs incorporate catastrophe modeling

• Outdoor wood Boilers
  Where there's smoke, there's fire--and water--
  in a new household exposure

• Lovable Property
  Insurers may find themselves paying more
  for policyholders’ injuries to others’ pets

• Builders’ Risk, 2008
  Latest AAIS revision clarifies ‘soft costs’ and
  implements full equipment breakdown coverage

• The federal Office of Insurance Information
  A proposal pulled in 2008, it’ll be back in 2009

Summer 2008    Vol. 33, No.1
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• The AAIS Agricultural General Liability Program
  A new program that will change how
  farms and agribusinesses are insured

• A cycle, or not?
  Homeowners claim frequency
  is down, but for how long?

• The greening of property insurance
  How far will insurers stretch
  the principle of indemnity?

• Crane safety
  Industry experts seek to capitalize
  on public concern over collapses
  to advance safety agenda

• Sounds good, but . . .
  Principles-based regulation gets a
  guarded response from U.S. insurers

Spring 2008    Vol. 32, No.4
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• The 2008 Boatowners Program
  A unique standard program
  gets its third revision

• Matter of law, or matter of contract?
  States start to seek actual prejudice
  standards written into policy forms

• Conference Report on the
  2008 AAIS Main Event

• AAIS and Mutual Boiler Re
  collaborate on equipment breakdown

Winter 2008    Vol. 32, No.3
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• 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
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• 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
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• 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
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• Federal Focus
  Congress considers insurance issues

• "Big Gardens" that need CGL policies
  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
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• 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
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• 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
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• 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
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• 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
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• 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
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• 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
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• 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
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• 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
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• 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
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• 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
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• 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
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• 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
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• 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?

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American Association of Insurance Services
1745 S. Naperville Road | Wheaton, IL  60189-5898
630-681-8347 | 800-564-AAIS | Fax  630-681-8356

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