Insurance rating factor

Commercial member-licensed AAIS advisory-program family delivered through the AAISdirect secure portal and coordinated member channels. Depending on selected state-by-state affiliations, it provides current policy forms, manuals, manual rules, rating content, loss costs, factors, classifications, test cases, bulletins, product updates, and related advisory materials across U.S. personal, commercial, farm/agricultural, inland-marine, and auto programs. Individual states, lines, manuals, forms, and editions remain content within this Source, not Sources of their own.

Commercial Member product providing standardized, digitally consumable implementation materials for new or updated AAIS insurance products: product models, rating and data tables, rating examples, and test cases. Current materials are delivered through AAIS Onboarding under a Statement of Work; the admitted Source is the standardized AAIS-owned Toolkit output, not onboarding consultation or customer-authored modifications.

Commercial electronic delivery of ISO commercial-lines advisory loss costs, rating rules, policy forms, form-attachment logic, and Commercial Lines Manual instructions. Deployment options are human-readable HTML, machine-readable CSV/XML, and Rating-as-a-Service through an API. The Source represents ISO-authored content and results; insurer-authored multipliers, deviations, tiers, endorsements, and other customer configuration are excluded.