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American Association of Insurance Services

Summary: The American Association of Insurance Services (AAIS) has developed a contractors and developers form (DOP) that adapts a commercial output style policy to the needs of developers, contractors, or builders who work on commercial, industrial, residential, or institutional structures. The advantage to this approach is that the chance for gaps in coverage is decreased.

Following is an overview of the program and eligibility.

Topics covered:Overview Eligibility Program highlightsConstruction and insuring agreementDefinitions Property coveredComputers Property in the course of constructionMobile equipmentProperty not coveredAdditional coveragesSupplemental coveragesPerils coveredPerils excludedOther exclusionsExclusions applying to computersAdditional property not covered or subject to limitationsOther building property and business personal property coveragesWhat must be done in case of lossValuation and how much we payLoss paymentOther conditionsEndorsements


The contractors and developers output program (DOP) is designed for contractors, builders, and developers who work on residential, commercial, institutional, or industrial buildings or structures. The program offers four categories of coverage:

1. Scheduled or blanket commercial property coverage for buildings and business personal property (including property in the course of construction);

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