About Us
Member Benefits
Policies and
Member Credits
AEGIS Members can earn different types of credits when they buy and maintain AEGIS coverage. It's one way that Members share in the success of our mutual model.
The AEGIS Member Credit Program comprises four categories of credits: Continuity, Product, Loyalty and Loss Control. Below you can learn more about each type of policy's credit-earning potential.
Policies and Their Member Credits
| Policy Type | Continuity Credit | Product Credit | Loyalty Credit | Loss Control Credit |
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Excess Liability
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D&O Liability
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Conventional Property An Operational Risk policy where AEGIS has at least 20% of the lead layer limit or a total of at least $150M in overall AEGIS limits, including any consortium partner share. |
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Expanded Conventional Property An Operational Risk policy must be at least 40% of the lead layer limit or a total of at least $300M in overall AEGIS limits, including any consortium partner share. |
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Renewable Energy An Operational Risk Property policy or a Master Builders Risk policy with at least a 25% AEGIS participation in the program or at least $250,000 in minimum annual gross AEGIS premium, including any consortium partner share. |
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Cyber A Cyber policy with at least 80% of the lead layer limits or a total of at least $50M of AEGIS limits. |
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Excess Workers' Compensation Any policy rated by AEGIS or any Statutory Workers' Compensation policy purchased from the Company's alliance partner. |
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AEGIS Alliance Statutory Workers’ Compensation For Members that are not a qualified self-insurer, in any United States jurisdiction, but purchase an AEGIS Alliance Statutory Workers’ Compensation policy. |
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Generation Outage (Contingent Outage and Capacity Performance) Any Generation Outage policy. |
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| AEGIS London (discontinued in 2026) |
| Policy Type | Credit |
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Excess Liability |
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Includes Joint Venture, Fiduciary, Errors & Omissions, Punitive Damages or Wrap-Up policies. |
Continuity Product Loyalty |
D&O Liability |
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Directors & Officers or General Partners policies. |
Continuity Product Loyalty |
Conventional Property |
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An Operational Risk policy where AEGIS has at least 20% of the lead layer limit or a total of at least $150M in overall AEGIS limits, including any consortium partner share. |
Product Loyalty Loss Control |
Expanded Conventional Property |
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An Operational Risk policy must be at least 40% of the lead layer limit or a total of at least $300M in overall AEGIS limits, including any consortium partner share. |
Product Loyalty Loss Control |
Renewable Energy |
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An Operational Risk Property policy or a Master Builders Risk policy with at least a 25% AEGIS participation in the program or at least $250,000 in minimum annual gross AEGIS premium, including any consortium partner share. |
Product Loyalty Loss Control |
Cyber |
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A Cyber policy with at least 80% of the lead layer limits or a total of at least $50M of AEGIS limits. |
Product Loyalty Loss Control |
Excess Workers' Compensation |
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An AEGIS or AEGIS Alliance Excess Workers' Compensation policy. |
Product Loyalty |
Generation Outage (Contingent Outage and Capacity Performance) |
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Any Generation Outage policy. |
Loyalty |
AEGIS London |
Product |
Product Credit
| Product Line | 2026-2027 Credit | 2025-2026 Credit | % Increase |
|---|---|---|---|
| Excess Liability | $37M | $33M | +12% |
| Conventional Property | $23M | $20M | +15% |
| Renewable Property | $5M | $5M | -- |
| Directors & Officers | $22M | $20M | +10% |
| Cyber | $9M | $8M | +12% |
| Workers' Compensation | $2M | $1M | +100% |
| AEGIS London | N/A | $1M | N/A |
| TOTAL | $98M | $88M | +11% |
Enhanced Loyalty Credit Program
| Loyalty Level | Eligible Policies Purchased | Additional Credit | Total Loyalty Credit |
|---|---|---|---|
| Level I | 3 of 8 | +10% | 10% |
| Level II | 4 of 8 | +20% | 30% (I + II) |
| Level III | 5 of 8 | +25% | 55% (I + II + III) |
To learn more about the benefits of the AEGIS Member Credit Program, please contact your AEGIS underwriter or insurance broker.
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