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:

• Family Cyber Protection

• Homeowners By-Peril Program (HOBP)

• Florida Homeowners By Peril

• Flood Protection

• Personal Auto

• Personal Premises Liability

• Personal Umbrella

• Watercraft Programs (Boatowners & Yachts)

• Dwelling Properties

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

The Progressive AAIS Personal Lines Team…

	John Kadous, CPCU, CPM, Vice President - Head of Products 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.
	Linda Jancik, Personal Lines Product Manager With a bachelor’s degree from Utah State University, Linda has more than 30 years of Personal Lines experience in Underwriting, Product Management, Sales and Business Operations, as well as Communications. As a product manager at AAIS, Linda is responsible for developing, launching and maintaining Personal Lines products to support affiliates needs. Before joining AAIS in March, Linda previously worked for the Hartford, CNA and Allstate (Encompass).
	Ash Naik, Auto Product Manager Ash is an active practitioner of auto insurance transformation bringing consumer insights, carrier needs and technology innovations from open-source communities and insuretechs to increase value to all participants in the auto insurance ecosystem.  Currently focused on product innovation driven by consumer research, block-chain technology, and partnership with open-source consortia, insuretech vendors and the insurance industry. Experienced software product manager with a long history of shipping high-quality cutting-edge technology products that enable digital transformation in IT infrastructure and application infrastructure bringing the passion for products, packaging, experience design from Microsoft and Dell to the insurance industry.
	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.