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Member Benefits
AEGIS Member
Credit Program
We experience success together by sharing surplus with members through credits.
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.
There are four types of credits that AEGIS members can earn:
Continuity Credit
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.
Product Credit
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.
Loyalty Credit
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%.
Loss Control Credit
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.
If you are a member, please reach out to your AEGIS underwriter or the broker managing your AEGIS policy for any questions regarding eligibility.
All credits are approved annually by our Board of Directors.
$1.9 Billion
in credits have been declared over the life of the program.