Premium Audit Advisory Service (PAAS)

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.

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.

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?

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.

Information on topics ranging from clarification of the basic rules and procedures to interpretations on evolving technologies.

Details on the latest state and federal legislation affecting the premium audit function.

Information on the latest publications, seminars, and other training available from PAAS.

Bulletins and circulars issued by the independent rating bureaus.

 Current and past payroll limitations for executive officers, sole proprietors, and partners for workers' compensation and general liability.

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.

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.

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.

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.