Phillip Skaggs is assistant counsel at the American Association of Insurance Services, a national not-for-profit insurance advisory and rating organization. AAIS provides, among other things, standardized policy forms, rules, and loss costs for property/casualty programs. Skaggs focuses on legal analysis, government relations, compliance filings, policy and program development, and emerging risk assessment. He also specializes in cannabis insurance issues and advises member companies on the impacts of cannabis regulations, trends and market growth. He is the architect of the Cannabis Businessowners Policy (CannaBOP) and manager of standardized cannabis coverage provisions and exclusions.