AIO case studies
AIO · Put your knowledge to work in context.
The Associate in Insurance Operations (AIO) is a professional designation in the insurance industry, structured around two knowledge domains: Insurance Operations and Insurance and Risk Management Fundamentals, each weighted at 50 percent of the exam. The credential is aimed at insurance professionals who want to demonstrate a working command of how insurance operations function alongside core risk management and insurance principles, making it relevant to operations staff, underwriters, claims personnel, and others building a foundation in insurance practice. The AIO case studies are 5 cases and about 3,248 words.
1The Renewal Book That Won't Balance
Meadowbrook Mutual's personal lines unit renewed 4,200 auto policies last quarter. Underwriting had promised the CFO a 96% retention figure, but the finance reconciliation shows net written premium of 3.86M against a prior-term book of 4.20M.
645 words, about 3 min2The Claim That Arrived Nine Months Late
A commercial property policy issued to a mid-size manufacturer carries a claims-made-and-reported liability endorsement for products-completed operations. The policy period ran 1 Jan to 31 Dec 2023, with a 60-day extended reporting period.
702 words, about 4 min3The Agent Who Bound Coverage Nobody Approved
A captive agent for a regional carrier has binding authority up to 500K per risk for standard commercial auto. On a Friday afternoon, a long-time client with a fleet of 14 trucks calls needing coverage to start Saturday for a new contract.
643 words, about 3 min4Reserving a Bodily Injury Claim With a Foggy Liability Picture
A general liability claim has been open 14 months. A subcontractor's employee fell from scaffolding at a site where your insured was the general contractor.
655 words, about 3 min5The Program Administrator Whose Loss Runs Don't Reconcile
You manage a managing general agent (MGA) program writing small commercial package policies for a carrier. The carrier's quarterly bordereau reconciliation shows 12.4M in written premium for the program, but your internal policy administration system shows 13.1M.
603 words, about 3 min