About Us
Member Benefits
Member Credit
Program Eligibility
& Calculation
Find out how Members qualify for credits and how credits will be calculated.
AEGIS is proud of its long history of sharing success with its Members through the AEGIS Member Credit Program. The following is a high-level look at program requirements for participation.
Credit Eligability Requirements
When results exceed expectations, we share the surplus with our Members as credits, which can be applied to lower the cost of AEGIS insurance premiums during renewal. To date, AEGIS has returned $1.9 billion in credits through our AEGIS Member Credit Program.
Our Excess Liability and Directors and Officers coverage are premier products, and the Continuity Credit rewards those who maintain one or both of them. This credit is distributed annually, each year the coverage is renewed and maintained.
- Member must hold active status and an eligible AEGIS Directors and Officers or Excess Liability policy.
- Policy enrollment/renewal is mandatory.
- An in-force policy must be in place by December 31 of the calculation year.
- Credit is based on the ratio of a Member’s continuous life-to-date earned premium to all eligible earned premium for the line of business.
The Product Credit is awarded based on the performance of a specific product’s book of business. For example, if the Cyber product results are positive, Members who purchased this coverage are eligible for a Cyber Product Credit. These credits are then applied to the premium of a renewed policy.
- Policy enrollment/renewal is mandatory.
- An in-force policy must be in place by December 31 of the calculation year.
- Credits are based on the ratio of the policyholder’s continuous eligible earned premium to all eligible earned premium by line of business.
- Policyholders must meet the defined minimum participation requirements for each product to be eligible.
At AEGIS, we value and reward our Members' loyalty. Members who buy, maintain and renew multiple products over time may be eligible for a Loyalty Credit. In fact, when three qualifying products are purchased, a 10% bonus credit is awarded. When four qualifying products are purchased, a 30% bonus is awarded. And purchasing and maintaining five products earns a total bonus credit of 55%.
- Member must purchase/renew three qualifying products to earn a bonus equal to 10% of all Member Credits earned.
- Member must purchase/renew four qualifying products to earn an additional bonus equal to 20% of all Member Credits earned, for a total bonus of 30%.
- Members purchasing or renewing five qualifying products receive an additional bonus equal to 25% of all Member Credits earned, for a total bonus of 55%.
- To qualify for a Loyalty Credit, a Member must make a “Qualified Renewal” of three qualifying products. The initial purchase of a new product does not trigger the Loyalty Credit until the first renewal year.
- Policy renewals will be counted over the course of the Loyalty Credit year (July 1 – June 30) to determine whether the three/four/five products threshold has been met.
- Qualifying product categories: Excess Liability, Renewable Energy, D&O Liability, Cyber, Excess Workers’ Compensation, Generation Outage and Property.
- The Loyalty Credit does not apply to Loss Control Credits.
- The credits will be paid as a check or wire transfer.
AEGIS supports Members who invest in risk mitigation projects through two types of Loss Control Credit.
The Cyber Loss Control Credit reimburses Members for the cost of cybersecurity enhancements made to mitigate risk identified during an AEGIS cyber risk survey.
The Property Loss Control Credit reimburses Members for the cost of AEGIS Property Loss Control services contracted and paid for within the policy period.
- Member must purchase/renew either Property or Cyber products.
- Policy enrollment/renewal is mandatory, with minimum participation requirements and an effective date from July 1 to June 30.
- Members will be asked to provide information regarding risk mitigation projects and improvements.
- The Cyber Loss Control Credit must go toward a risk mitigation concern identified in an AEGIS cyber risk survey.
- The Property Loss Control Credit reimburses Members for the cost of AEGIS Property Loss Control services contracted and paid for within the policy period.
- Qualifying product categories: Cyber and Property.
- The credit will be paid as a check or wire transfer.
Member Credit Calculation
Member Credit procedures will determine how this policy is executed in terms of how credits are calculated, declared and issued to eligible policyholders for each of AEGIS’s Member Credit programs.
Continuity, Product and Loyalty Credits are calculated by the AEGIS Accounting Division, beginning immediately after the close of the previous year’s books or the end of the fiscal year.
Property Loss Control Credits are calculated based on actual expenditures for contracted Loss Control services.
The Cyber Loss Control Credit is a fixed amount of $50,000.
For specific details about your coverage, please contact your AEGIS Underwriter or the insurance broker managing your AEGIS policy. All credits are approved annually by our Board of Directors.
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