AAIS Products and people you can rely on

Commercial Lines

Standard Programs with Unique Benefits

AAIS commercial lines programs provide forms, manual rules, and loss cost rating information used by carriers to compete for standard commercial accounts, and as the basis of specialty products targeting niche markets. 

These programs are maintained by property/casualty professionals with extensive experience in managing product lines for carriers, and backed up by skilled specialists.

Over the years, AAIS has been the source of some unique enhancements in commercial lines, including:

  • Claims-made endorsements for providing employee benefits and employment practices liability coverage on occurrence-based policies;
  • Optional “voluntary property damage” endorsements, which provide limited coverage for property damage claims, regardless of the insured’s liability;
  • Built-in inland marine coverages with language consistent with that found in AAIS's industry-leading inland marine programs; and
  • Equipment breakdown endorsements developed in conjunction with leading equipment breakdown reinsurers, but available for use with any reinsurer.

AAIS commercial lines programs also include the full range of endorsements, rating information, policyholder notices, and other information needed to comply with the federal Terrorism Risk Insurance Act.

If you are looking for a cost-effective program for your commercial product base, be sure to see what AAIS has for you.

Insurance companies seeking more information on AAIS products and services can contact membership@aaisonline.com, by completing our contact form or by calling 800.564.AAIS x3289.

Leslie Rippley, CIC, AU, vice president of commercial lines

Leslie came to AAIS in 2015 from Fireman’s Fund, where she had been commercial lines vice president and western zone leader in the company’s Chicago office since July 2012.  

In that capacity, she had been responsible for field underwriting operations for small business, middle market, admitted excess, and highly-protected risks in the largest grossing revenue zone in the company. Previously, she held positions of increasing responsibility at The Hanover, General Casualty, Crum & Forster, The Hartford, Liberty Mutual/Wausau, and Travelers. 

Leslie earned her bachelor’s degree in marketing education from Bowling Green State University in Ohio. She has earned the designations of Certified Insurance Counselor and Associate in Underwriting.

Denise Murray, CPCU, AFIS, senior product development specialist

Denise researches and develops commercial and agricultural products since coming to AAIS in 2013. Among other things, she has spearheaded a countrywide filing of new and revised endorsements under the AAIS Businessowners Program.

Denise has extensive experience in insurance product development and maintenance, including 3.5 years as a senior product analyst for AIG, and 11 years at Greater New York Insurance, where she was an AVP and manager of product development and state filings.

Haoying Ewing, CPCU, ARe, senior product development specialist

Haoying researches and develops commercial lines forms, rules, and rating information, and provides support to carriers with regulatory filings and program implementation. Before coming to AAIS in 2007, Haoying served five years as a business analyst for CNA and two years as an underwriting specialist with Allstate. 

Haoying earned an MBA from DePaul University, and a bachelor degree from University of Wisconsin in business administration and management..

"Each year we try to roll out new coverage options and we trust the expertise of AAIS with regard to form language. They are also a great resource when considering expansion into additional states. AAIS is a valued partner."

-- David F. Karns, Underwriting VP, Southern Mutual Church Ins. Co.

Commercial Lines Press Releases

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