Personal Lines

The Latest in Personal Lines
Advisory Solutions

IoT…Automation…Shared Economy…UBI…the Personal Lines insurance market is experiencing fundamental changes in the way risks are underwritten and customers are serviced.  AAIS has been pro-active in giving member companies the lead in personal lines product innovation that supports differentiation and a competitive advantage.

AAIS Personal Line Programs address exposures arising from water, business activities, motorized vehicles, equipment breakdown, and changes in family structure, and more. While AAIS is always innovating, among our most recent developments is a Homeowners By-Peril Rating Plan and our Personal Auto Program.

Over 400 property/casualty insurers throughout the United States use AAIS personal lines insurance programs, which provide policy forms, manual rules, and loss cost rating information for residential property, personal liability, privately owned watercraft, and now personal auto. Insurers know AAIS programs maintain current coverages, exclusions and endorsement options, and other features carriers need in a highly litigious personal lines market.

AAIS programs are backed up by the expertise and personal service provided by our actuarial, product development, compliance, and support teams.

Who Needs AAIS Personal Lines Solutions?

Whether you are an established personal lines insurance carrier or a start-up…ready to expand an existing product line into new markets or launch a whole new program…AAIS advisors are ready to work with you to achieve your growth goals.

Find out more about AAIS’s innovative Personal Lines Solutions:

For consultation regarding your growth plans, contact an AAIS Personal Lines Advisor.

The Progressive AAIS Personal Lines Team…

John Kadous, CPCU, CPM, Vice President - Personal Lines
John oversees AAIS Personal Lines including its Auto and Homeowners Programs. He is also a member of the AAIS Leadership Team. Before joining AAIS in 2014, John worked at GEICO for 13 years and at USAA for nearly 12 years.
Susan Luecke, Technical Lead
Sue has been the principal developer of the AAIS Homeowners and Personal Umbrella forms, and is working through revision of the AAIS Dwelling Properties Program. Before coming to AAIS in 1992, Sue worked 15 years for the St. Paul Companies and USF&G.
Jeffrey Holaway, CPCU, CPM, Onboarding Relationship Manager
Jeff supports companies converting to AAIS personal lines programs and carriers adopting the AAIS Homeowners By-Peril Rating Plan through the AAIS Underwriting Platform. Jeff joined AAIS as personal lines pricing manager in 1999 after 12 years in various positions with American States and CNA.
Casey Brewer, CPCU, Product Manager - Personal Auto
Casey leads the development of AAIS personal auto forms, the first component of an AAIS Personal Auto Program. Before joining AAIS in 2014, Casey was a staff underwriter for USAA, and held product management positions for Gainsco and National Unity. He was also an auto product manager at Unitrin after starting his insurance career at GEICO.