The American Association of Insurance Services (AAIS) recently added a new subsection to the Builders Risk section of its Inland Marine Guide. AAIS is a national advisory organization that develops standardized policy forms and rating information used by more than 600 property/casualty insurers throughout the US. The Inland Marine Guide is a standard industry source for forms, rating procedures, and underwriting guidelines for the traditionally nonfiled classes of inland marine insurance. The Guide's new subsection identifies three categories of sub-limits built into most AAIS Builders Risk forms. (One scheduled jobsite form and a renovation and rehab form offer fewer such sub-limits.) The first category is "Coverage Extensions," wherein the sub-limits are part of the building property limit, not in addition to it. These coverages can increase a partial loss but cannot increase a loss beyond the building property limit.