AAIS
AAIS is a U.S. national not-for-profit advisory organization providing property and casualty insurance carriers with standardized policy forms, rating guidelines, regulatory compliance support, statistical data management, and the AAISdirect member portal, governed by its Member carriers.
- Company typePrivate
- Founded1936
- HeadquartersLisle, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What AAIS does
AAIS (American Association of Insurance Services, Inc.) is a U.S. national 501(c)(6) not-for-profit advisory organization founded in 1936 and headquartered in Lisle, Illinois, operating as a fully remote entity with more than 100 employees. It serves property and casualty (P&C) insurance carriers by providing standardized advisory solutions — including policy forms, manual rules, and rating guidelines — across five core lines: Personal Lines, Commercial Lines, Farm & Ag, Inland Marine, and Auto. AAIS is governed by its Member carriers, making it the only national not-for-profit advisory of its kind in the U.S. P&C market, and it is a licensed statistical agent in more than 50 jurisdictions.
The organization's product surface spans three layers. The advisory layer includes the FLAMES (Fire Loss and Mitigation Evaluation Score) methodology that re-frames public-fire-protection rating around mitigation effectiveness rather than equipment counts, plus Regulatory Compliance, Onboarding, and Actuarial Services. The technology layer consists of the Speed to Market (S2M) Toolkit for accelerated filings, a Statistical Data Management Application for regulatory reporting, and the openIDL open insurance data exchange platform. Distribution to Members is delivered through the AAISdirect secure portal and a Partner Program of more than 50 technology, reinsurance, and services providers (including Duck Creek, Guidewire, Insurity, Vertafore, Wolters Kluwer, Swiss Re, Munich Re, Gen Re, and RMS), with separate MGA/Program Administrator access mediated through partners such as VRC Insurance Systems, Damco Solutions, and Joshu.
Revenue is generated primarily through membership fees on a subscription/recurring basis; pricing is not publicly disclosed. The company recently appointed Keith Wolfe (formerly Guy Carpenter North America CCO; 27 years at Swiss Re/GE) as President and CEO effective March 1, 2026, and added eight core-tier partners to its ecosystem between September 2025 and March 2026, signaling ongoing ecosystem and product expansion within its established member-governed model.
AAIS firmographics
Firmographics- Name
- AAIS
- Legal name
- American Association of Insurance Services, Inc.
- Website
- https://aaisonline.com
- Company type
- Private
- Founded year
- 1936
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- AAIS is a U.S. national not-for-profit advisory organization providing property and casualty insurance carriers with standardized policy forms, rating guidelines, regulatory compliance support, statistical data management, and the AAISdirect member portal, governed by its Member carriers.
- Ownership category
- akta.pro rank
Where AAIS is headquartered
LocationHeadquarters
- HQ city
- Lisle
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
AAIS business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Membership Fees: AAIS is a not-for-profit advisory organization that generates revenue through membership fees from property and casualty insurance carriers. Members pay for access to advisory solutions, policy forms, rating guidelines, and data management capabilities.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
AAIS product offering
Product offeringCore offering
AAIS is a not-for-profit advisory organization that develops and delivers insurance policy forms, manual rules, rating guidelines, and loss-cost information for property and casualty (P&C) carriers across Personal Lines, Commercial Lines, Farm & Ag, Inland Marine, and Auto. It also provides regulatory compliance filings, actuarial services, onboarding support, and proprietary tools such as FLAMES (fire risk evaluation), the Speed to Market (S2M) Toolkit, and the openIDL data exchange platform, all accessed through the AAISdirect member portal.
Product overview
AAIS (American Association of Insurance Services) is a not-for-profit advisory organization offering a comprehensive suite of insurance advisory products organized across five core lines: Personal Lines, Commercial Lines, Farm & Ag, Inland Marine, and Auto. These are supported by a range of service offerings including Regulatory Compliance, Actuarial Services, Onboarding Services, and the FLAMES fire risk evaluation methodology. The organization provides technology solutions through the Speed to Market (S2M) Toolkit, Statistical Data Management Application, and openIDL platform, accessed via the AAISdirect member portal. The portfolio is delivered through a Partner Program connecting members with specialized technology and service providers across payment processing, analytics, underwriting technology, and other insurance solution categories.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Lines Policy forms, manual rules, and loss-cost rating information for personal insurance coverages including dwelling properties, homeowners, mobile-homeowners, flood protection, personal umbrella, watercraft, and personal inland marine. Designed for standard markets with customization for non-standard and preferred markets; sold to P&C insurance carriers.
- Commercial Lines Advisory programs providing policy forms, manual rules, and rating guidelines for commercial insurance coverages serving business clients across various industries; sold to P&C insurance carriers.
- Farm & Ag Specialized insurance advisory products for farm and agriculture operations, providing forms and rating guidance tailored to agricultural exposures; sold to P&C insurance carriers.
- Inland Marine Insurance forms, manuals, and rating information for inland marine coverages including transport, bailee, and specialty risks; sold to P&C insurance carriers.
- Auto Policy forms, manual rules, and rating guidance for personal auto insurance programs, including Personal Auto Program offerings; sold to P&C insurance carriers.
- Regulatory Compliance
- Onboarding Services
- Actuarial Services
- FLAMES (Fire Loss and Mitigation Evaluation Score)
- Statistical Data Management Application
- Speed to Market (S2M) Toolkit
- openIDL
- AAISdirect
Quantifiable outcome
- 90 years of continuous service to the P&C insurance industry since 1936
- +2 more outcomes
Companies that use AAIS
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
AAIS technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability6 records
Feature5 records
AAIS partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and minor.
- ePayPolicycoreePayPolicy joined the AAIS Partner Program providing AAIS Member insurance carriers access to integrated digital payment platform for streamlined premium collection and policy binding. The platform supports credit card, ACH, and automated premium financing options, serving over 10,000 insurance organizations.
- The Berwyn GroupcoreThe Berwyn Group joined the AAIS Partner Program offering death audit and location intelligence solutions. With over 35 years of experience and serving more than 2,000 organizations, The Berwyn Group provides tools like the CertiDeath platform to help insurers verify deceased insureds and prevent improper payments.
- Damco SolutionscoreDamco Solutions joined as a new partner combining AAIS's regulatory-ready forms and industry expertise with Damco's Insurance Management Systems and implementation capabilities to help insurers and MGAs simplify compliance and launch programs faster.
- Keith Wolfe (Leadership)coreKeith Wolfe appointed as President and CEO effective March 1, 2026. Wolfe previously served as Chief Commercial Officer for Guy Carpenter North America after 27 years with Swiss Re and GE.
- JoshucoreJoshu joined the AAIS Partner Program to support insurers in faster product launches and compliance through a cloud-based underwriting and distribution platform.
- SelectsyscoreSelectsys joined the AAIS Partner Program to collaborate on building and maintaining Inland Marine Rating APIs that support faster MGA and Program Administrator operations.
- Property GuardiancoreProperty Guardian joined the AAIS Partner Program to provide advanced wildfire analytics and risk assessment tools for insurance industry members. Partnership aims to enhance underwriting, pricing, and risk management for wildfire-exposed property portfolios.
- VRC Insurance SystemscoreVRC Insurance Systems joined the AAIS Partner Program providing software solutions that help MGAs and carriers manage quoting, policy issuance, claims, and premium accounting from a centralized platform (Verity).
- ECCA Payroll+minorPayroll services partner.
- Inland Marine Underwriters AssociationminorIndustry association partner for inland marine sector.
- IRMIminorInternational Risk Management Institute, education and resources partner.
- Martin & CompanyminorInsurance services partner.
- Perr&KnightminorInsurance consulting and actuarial services partner.
- Stanley Parsons Insurance ServicesminorInsurance services partner.
- WAHVEminorWork At Home Vintage Experts providing talent acquisition services for the insurance industry.
Scale indicators3 records
Recent moves9 records
Expansion highlights6 records
AAIS competitors and assessment
Company assessmentDirect peers
- Verisk (ISO): Verisk's Insurance Services Office (ISO) division is AAIS's most direct competitor, providing policy forms, advisory services, statistical data, and rating information to U.S. P&C carriers at significantly greater scale. Both organizations serve the same primary customer base (P&C insurance carriers) with substantially overlapping product lines.
- National Council on Compensation Insurance (NCCI): NCCI is a similar not-for-profit advisory organization that provides rating, statistical, and advisory services specifically for workers compensation insurance. Its structure (nonprofit, member-driven, statistical agent in multiple jurisdictions) and business model closely parallel AAIS, making it a strong functional peer in a related line of insurance.
- NAMIC (National Association of Mutual Insurance Companies): NAMIC is a national trade association serving mutual insurance carriers, a core member segment for AAIS. It provides advocacy, education, and member services to a substantially overlapping constituency, and many of its members are also AAIS Members.
- PCI (Property Casualty Insurers Association of America): PCI is a national trade association representing property and casualty insurers, with substantial overlap in target member base with AAIS. It provides advocacy, industry intelligence, and member services to P&C carriers that may also be AAIS Members.
- CIAB (Council of Insurance Agents & Brokers): CIAB is a national trade association for insurance agents and brokers, with member overlap into the P&C value chain that AAIS serves. While it is more agent/broker-focused than AAIS (which is carrier-focused), it is comparable as a not-for-profit, member-driven advisory organization serving the broader P&C industry.
Broad incumbents
- Wolters Kluwer: Wolters Kluwer is a global information services company whose regulatory compliance and insurance compliance solutions (e.g., OneSumX) overlap with AAIS's regulatory compliance and filing services. It is also listed as an AAIS Partner Program member, underscoring the overlap in serving insurance compliance needs.
- LexisNexis Risk Solutions: LexisNexis Risk Solutions provides data, analytics, and risk assessment tools widely used by P&C insurers, overlapping with AAIS's Statistical Data Management Application and its broader data/analytics offerings. It operates at much larger scale and serves a broader set of insurance verticals.
- Guidewire Software: Guidewire is a leading core insurance platform provider for P&C carriers and is also an AAIS Partner Program member. Its core systems, analytics, and digital products intersect with AAIS's policy form, rating, and speed-to-market offerings, making it both a partner and an adjacent competitor.
Emerging players
- Applied Systems: Applied Systems provides agency management and insurance technology platforms to P&C agencies and carriers, with adjacent but not identical overlap to AAIS's advisory and forms services. It represents a technology-led competitor/partner in the broader P&C insurance technology ecosystem.
- Vertafore: Vertafore provides insurance agency management, rating, and connectivity software, overlapping with parts of AAIS's rating and forms ecosystem. It is also an AAIS Partner Program member, illustrating the cooperative/competitive relationship typical of insurance ecosystem participants.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
AAIS social profiles
Digital presenceAAIS financial estimates
Financial estimateRevenue estimate
Valuation estimate
AAIS leadership team
Management profileNumber of profiles
Profiles17 records
AAIS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AAIS M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AAIS
What does AAIS do?
AAIS is a not-for-profit advisory organization that develops and delivers insurance policy forms, manual rules, rating guidelines, and loss-cost information for property and casualty (P&C) carriers across Personal Lines, Commercial Lines, Farm & Ag, Inland Marine, and Auto. It also provides regulatory compliance filings, actuarial services, onboarding support, and proprietary tools such as FLAMES (fire risk evaluation), the Speed to Market (S2M) Toolkit, and the openIDL data exchange platform, all accessed through the AAISdirect member portal.
Is AAIS a public or private company?
AAIS is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was AAIS founded?
AAIS was founded in 1936. It employs 51 to 100 people.
Where is AAIS based?
AAIS is headquartered in Lisle, United States, in the North America region.
How does AAIS make money?
One revenue line is on record: membership Fees.
Who are AAIS's main competitors?
Direct peers on record are Verisk (ISO), National Council on Compensation Insurance (NCCI), NAMIC (National Association of Mutual Insurance Companies), PCI (Property Casualty Insurers Association of America) and CIAB (Council of Insurance Agents & Brokers). Broad incumbents are Wolters Kluwer, LexisNexis Risk Solutions and Guidewire Software. Emerging players are Applied Systems and Vertafore.
Does AAIS have an API?
No public API is recorded for AAIS.