Precisely interpret rules and classify exposures for commercial casualty insurance
Through a wide range of essential resources and services, PAAS® helps premium auditors and underwriters properly classify exposures for commercial casualty insurance and provides a liaison between premium audit managers and regulators.
Align insurance to increase overall productivity
Meet strict guidelines with precision utilizing classification guides, bulletins, rating information, and more.
Stay current with industry changes
Respond to changes in policy language, manual rules, classifications, and insurance procedures. Subscribers can use the monthly PAAS Electronic Newsletter to get information about recent changes and events affecting the premium audit professional.
Access continuous professional development
Invest in your future with access to basic training, manuals, web seminars, among other development resources.
Features and capabilities
PAASbase
You’ll benefit from proper risk classifications resulting in more accurate premium charges. PAASbase contains a complete reference library of information and offers you many advantages including increased productivity from a one-stop reference. Subscribe to PAASbase and get access to TAP, PAAS Connect, and monthly webinars.
PAAS Explorer
Classify policies with ease using industry data from approximately 14 million general liability policies from the past five years. With PAAS Explorer, you can more accurately classify the insured’s operations by identifying other class codes which are most commonly assigned on the same policy and easily find classification assistance for operations not frequently classified by auditors or underwriters.
PAASvirtual
Collaborate with commercial lines insurers and policyholders in real-time, using an all-in-one, fully customizable, cloud-based platform empowering users to host and record meetings during the audit life cycle, invite internal collaborators to review important documents, request third party collaborators to view only permitted documents and save all calls, documents, and messages in a single place. Why use 2-3 different vendors when PAASvirtual has it all?
Training
Discover a wide array of training programs, from live webinars to a recorded library of training sessions, which are available 24 hours per day, 7 days per week, all year long. In addition, PAAS has customizable training materials we can use to provide training just for your staff – either in-person or virtually.
Educational bulletins
Information on topics ranging from clarification of the basic rules and procedures to interpretations on evolving technologies.
Legislative bulletins
Details on the latest state and federal legislation affecting the premium audit function.
Products and Services bulletins
Information on the latest publications, seminars, and other training available from PAAS.
Board and Bureau bulletins
Bulletins and circulars issued by the independent rating bureaus.
Audit information summary
Current and past payroll limitations for executive officers, sole proprietors, and partners for workers' compensation and general liability.
Summary of outstanding rate changes
Thorough summary of rate changes that affect outstanding workers' compensation policies, including those written under assigned-risk plans and those mandated by the U.S. Longshore and Harbor Workers' Compensation Act.
Chart of state exceptions
Current state exceptions to NCCI rules for standard exceptions, general inclusions, general exclusions, interchange of labor, basis of premium, uninsured subcontractor, and vehicles under contract.
Just the FAQs
A useful compilation of questions addressed to, and answered by, our PAAS consultation staff. Just the FAQs bring you the benefits of the PAAS staff’s expert answers to questions of interest to PAAS subscribers.
Classification Guides
Get detailed descriptions of all ISO general liability classifications and NCCI workers' comp classifications, as well as state exceptions for both. The guides include extensive interpretations on the intent and proper application of each classification.
Related resources
Stay in the know about important industry trends and innovative solutions.
Join us for an exclusive unveiling of a reimagined Premium Audit Advisory Service (PAAS). The elevated online experience now includes PAAS AI, the first commercially available interactive generative-AI chat specifically developed for premium audit.
The PAAS® Technical Achievement Program (TAP) is a convenient, cost-effective way to train and certify employees who perform physical or telephone audits or who review audit results.
PAAS Connect gives your company’s staff access to numerous interactive training courses, informational sessions, and presentations about emerging issues — on demand from any computer with an Internet connection.
Join granular premium and loss experience data to guide important decisions about your portfolio. Plus, benchmark your results against an unmatched property and casualty database.