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THIS INFORMATION IS INTENDED FOR INSURANCE BROKERS AND OTHER INSURANCE PROFESSIONALS ONLY WE RE STRONGER TOGETHER. Product List.

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WE’RE STRONGER TOGETHER

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At AIG, product innovation never stands still. If you want to discuss a product

not featured in this brochure please contact your local AIG office.

Aerospace

Innovative and comprehensive insurance solutions for the global aviation and space industry, encompassing the spectrum of coverage’s required by aircraft operators, manufacturers and ground service providers. Commercial Combined Commercial Combined is a comprehensive ‘all risks’ product for small, medium and large businesses with up to £10 million turnover.

Consumer Lines Personal accident and travel insurance providing a wide range of cover for UK business employees.

Crisis Management Business contingency protection for crisis situations involving people or products. Integrates financial indemnity with expert assistance in managing the reputational impacts of a crisis. Energy

Specialist insurance protection for global and local oil & petrochemical, power generation, chemical manufacturing, offshore, construction and boiler & machinery sectors. Environmental A wide range of market leading products suitable for owned and/or operated sites, contractors, consultants, projects or property transactions covering environmental damage from sudden and accidental as well as gradual events. Coverage includes third-party liabilities and first party on and off-site clean-up costs, biodiversity damage plus defence and mitigation costs.

Financial Lines Management liability, professional liability and crime products including directors’ and officers’ liability, employment practices liability and pension trustee’s liability, with speciality solutions for professions, commercial risks and financial institutions. CorporateGuard Financial Lines products are backed up by a range of value added services.

Global Risk Solutions Insurance solutions and tailor-made programs that help companies manage challenging risks. Specialities include multinational programmes, high frequency loss-sensitive programmes, and programmes with unique client reporting requirements.

Liabilities

Primary and excess layers for public and product liability, motor fleet and employer’s liability covers. Includes our award-winning medical and vocational rehabilitation services.

Marine

Customised cargo transportation products and handling services worldwide. Clients range from importers, exporters, manufacturers, logistics

operators, or large project-cargo (infrastructure) operations to multinationals seeking tailored insurance solutions that can be location specific or part of a worldwide master policy programme.

Mergers & Acquisitions A range of bespoke products designed to transfer known and unknown risks in M&A and related transactions.

Motor Fleet

tailored insurance solutions for motor fleets with a focus on helping organisations reduce their risk exposure, or aiding recovery after an incident.

Political Risk

Risk transfer solutions to enable companies to manage the risk of disruption after a political event that may be associated with their international business operations. Private Client Group Home, collections, motor and yacht insurance for high net worth individuals.

Property Standard and customised commercial lines property products and services to a diverse range of clients – from single site operations to multinationals. Surety

Contract and commercial surety facilities for leading companies particularly those trading in the construction, engineering and manufacturing sectors, allowing issuance of bonds and guarantees internationally as well as in domestic markets. Surety relies on full indemnification for all risks. Trade Credit

enables a business to grow with confidence both internationally and domestically, by insuring and managing it’s receivables.

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Aerospace

PRODUCTS COVER MARKET

Airline Hull physical damage, passenger and third party liabilities for commercial airline and cargo operators. Cover also available for deductible, excess third party terrorism liability and hull war physical damage.

Major airlines and regional airlines operating jet and turboprop aircraft.

Products and Airports Products legal liability; third party legal liability (including terrorism liability) for bodily injury and property damage arising out of operations at airports including air traffic control, refuelling, ground handling, security screening and repair and overhaul operations. *New* Airside premises and contractors liability.

Manufacturers of aircraft and/or component parts supplied to the aerospace industry; Airport owners and operators including specialist aviation service providers.

General Aviation Hull physical damage, passenger and third party liabilities for fixed and rotor wing aircraft operators. Cover also available for excess third party terrorism liability and hull war physical damage.

Corporate / Industrial Aid and Commercial operators of business jet, fixed wing and rotor wing aircraft.

Space and Satellite Physical loss or damage to launch vehicles and/or satellites; third party liabilities during launch preparations, launch and in orbit operations.

Satellite owners/operators and their customers, manufacturers and launching agencies.

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Commercial Combined

PRODUCTS COVER MARKET

Commercial Combined Comprehensive package policy that includes ‘All Risks’ on Material Damage, and Business Interruption, employers’ and Public / Products Liability covers, along with value-added services, Rehabilitation for injured employees and online Health & Safety training.

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Consumer Lines

ACCIDENT & HEALTH

GROUP PERSONAL ACCIDENT & TRAVEL COVER MARKET

Lifeline Plus Group

Personal Accident and Travel

Lifeline Plus group personal accident and travel insurance contains a wide range of cover. It’s simple to buy and delivers the promised benefits effectively. the injury and travel covers can be bought together or separately. Policy limits, and when and where the cover operates, are selectable. Key benefits for business travellers include no age limits; cover on personal travel trips for directors, their partners and children; and cover for pre-existing medical conditions, as long as the person is not travelling against the advice of a medical practitioner.

UK and multinational businesses with two or more employees.

Group Corporate Catastrophe Cover Provides significant event limit benefits for organisations with employee benefit payment aggregations exceeding the cap placed on their personal accident or pension scheme death in service cover.

Larger UK businesses where there is a perceived need for additional top up PA cover.

Lifeline Plus RapidQuote Lifeline Plus Group Personal Accident & travel cover in a pre-priced format with

fixed benefits. Small and medium enterprises (SMe).

Travel tailored travel insurance programmes with delivery systems that can work flexibly with the client’s own sales process. We have in-house telesales capability as well as a worldwide network of claims and 24/7 assistance facilities.

Companies engaged in high volume distribution of travel insurance.

Speciality Markets Bespoke personal accident and/or travel programmes tailored for the

insured group. Organisations or groups if a membership or affinity exists and there is no employer/ employee relationship. ACCIDENT & HEALTH

VOLUNTARY EMPLOYEE BENEFITS COVER MARKET

Personal Accident A range of lump sum cash benefits payable for specified injuries ranging from burns, dislocations and fractures to permanent disabilities.

UK businesses, regardless of size. Can be purchased through flexible or voluntary employee benefits schemes.

Cancer Cover We also offer personal accident insurance with benefits specifically tailored to the

needs of the over 50s. Affinity groups, retailers, banks, building societies, and service providers. Cancer Cover Female A lump sum cash benefit and counselling following a diagnosis of cancer. UK businesses, regardless of size. Can be purchased through

flexible or voluntary employee benefits schemes. Cancer Cover Male A lump sum cash benefit and counselling following diagnosis of one of four male

specific cancers.

UK businesses, regardless of size. Can be purchased through flexible or voluntary employee benefits schemes.

Heart Attack and Stroke A lump sum cash benefit and counselling following a heart attack or stroke. Affinity groups, retailers, banks, building societies, and service providers.

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Consumer Lines

ACCIDENT & HEALTH

VOLUNTARY EMPLOYEE BENEFITS COVER MARKET

Hospital Cash Pays a cash benefit for each 24 hour period spent in hospital and a further cash benefit for the attendance of outpatient appointments. the benefits are designed to cover additional costs incurred as a result of a hospital stay, for example parking charges and television fees.

UK businesses, regardless of size. Can be purchased through flexible or voluntary employee benefits schemes.

Affinity groups, retailers, banks, building societies, and service providers.

UK Day and Break travel insurance type cover which has been specifically tailored to meet the needs of people attending events or going on day trips or short breaks within the UK. Includes cover for cancellation/ curtailment, personal belongings, travel delay and breakdown.

UK businesses, regardless of size. Can be purchased through flexible or voluntary employee benefits schemes.

Affinity groups, retailers, banks, building societies, and service providers.

PERSONAL LINES COVER MARKET

PLUS products the PLUS suite of products can be sold as stand alone options, as No Additions Cost (NAC) products, or offered as part of flexible or voluntary employee benefit schemes.

We are able to create and underwrite a bespoke range of products to suit individual needs, including but not limited to:

• Car Hire excess Insurance • Handbag Insurance

• Spectacles/ Hearing Aid Insurance • Gadget Insurance

• Price/ Purchase Protection Insurance • Bicycle Insurance

UK businesses, regardless of size. Can be purchased through flexible or voluntary employee benefits schemes.

Affinity groups, retailers, banks, building societies, and service providers.

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Crisis Management

PRODUCTS COVER MARKET

Contaminated Products Insurance Provides cover for recall costs, loss of gross profits and rehabilitation costs following accidental or malicious contamination (actual or threatened). It also provides crisis management planning and loss prevention services through leading international crisis management specialists.

UK, international or multinational food and drink, tobacco, cosmetics and pharmaceutical companies.

Crisis Containment Insurance Reimbursement of fees and costs of expert public relations consultants responding to

one of seventeen specified types of crisis. Mid to large sized companies.

Product Recall Insurance: Defective Products Provides cover for recall costs, loss of gross profits and rehabilitation costs following accidental defect or malicious product tampering (actual or threatened). It also provides crisis management planning and loss prevention services through leading international crisis management specialists.

Product Recall Insurance is intended for manufacturers, distributors, wholesalers or retailers of a wide variety of finished products and component parts.

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Energy

PRODUCTS COVER MARKET

Onshore Erection/Construction All Risks

All risks cover for Construction/erection projects. erection All Risks: Heavy Industry / Power Generation / Petrochemicals/ Metals.

Construction All Risks: Building (Residential & Commercial Infrastructure Roads, Railways, Pipelines, Water treatment, Distribution & Civils.

ecoPractice expert advice to assist clients meets the challenges of alternative and renewable energy risks.

Alternative and renewable energy sectors

Fixed Offshore Property (Energy) Individual insurance programmes for companies operating in the specialist area of Offshore exploration & Production providing protection against loss arising from accidental damage to property cover and related first party liabilities.

exploration and production companies.

Mobile Drilling Units & Offshore Vessels Individual insurance programmes for contractors operating Offshore Drilling and Service Units; providing tailored cover for each company’s unique requirements. We provide insurance in respect of loss arising from accidental damage to Hull & Machinery, associated first party exposures and related third party liabilities.

Offshore Drilling and Well Service companies.

Operators Extra Expense (Energy) Cover for the costs of bringing a well under control following a blowout. Includes expenses resulting from seepage and pollution containment, as well as associated clean-up costs, and the expenditure involved in re-drilling the well to its original depth.

Owners, operators and non-operators of oil & gas wells, offshore and onshore.

Property All risk covers including business interruption, construction all risks plus related

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Environmental

PRODUCTS COVER MARKET

EnviroPro UK Comprehensive environmental insurance that provides cover for clean up costs, biodiversity damage including complementary and compensatory remediation, third party liabilities, transportation and business interruption coverage. Defence and mitigation costs are included within the limits. Includes access to Pollution Incident and environmental Response (PIeR).

A wide range of businesses including manufacturers, engineering companies, printers, metal fabricators, warehouses, textiles, hauliers, retailers and food processors as well as educational establishments, medical centres and hotels.

Contractors Pollution Liability Insurance to cover environmental liabilities arising from a contractor’s operations caused by either the introduction of new pollution conditions or the exacerbation of existing pollution conditions. Clean-up costs, biodiversity damage, third party property damage and bodily injury liabilities arising from pollution caused by contractors, including legal defence costs. Includes access to PIeR.

Construction projects, contractors performing hazardous operations or operating on contaminated sites. Policies can also be taken out by project/property owners on behalf of contractors or PFI projects with required insurances. Available for projects or on an annual basis.

Pollution Legal Liability enables companies to protect against clean-up costs, biodiversity damage, bodily injury and third-party property damage on and off the site by designing a programme tailored to their needs. Cover is available for both new and pre-existing pollution conditions, changes in legislation with further options for business interruption and transportation cover. Defence costs provide cover for Directors and Officers of the Insured also. Includes access to PIeR.

Property owners and occupiers (single-site or portfolio), operators of manufacturing and industrial sites, property developers, companies undertaking mergers or acquisitions of land or companies, funders, lenders, equity providers and other financial institutions.

Contractors Operation and

Professional Services A specialist product for environmental professionals. Includes cover for errors & Omissions in environmental technical reporting and Contractors Pollution Liability cover for activities carried out on third party sites.

A wide range of environmental consultants whose work both involve technical reporting and completing site works on third party sites.

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Financial Lines

CRIME PRODUCTS COVER MARKET

CorporateGuard

CrimeManager Complete Comprehensive crime cover for mid to large sized UK companies CrimeManager Complete includes cover for employee fraud, dishonesty and fraudulent acts committed by third parties.

For UK companies of any size.

COMMERCIAL INSTITUTION PRODUCTS COVER MARKET

CorporateGuard

APEX Greater protection for director’s personal liabilities. Provides a combination of excess protection, drop down ‘difference in conditions’ (DIC) protection and cover if any of the underlying insurers can’t or won’t meet their policy obligations.

APex is designed to supplement and reinforce primary layered D&O insurance programmes. Covers all natural person directors and officers, outside entity directors, shadow directors, approved persons, employees with managerial and supervisory duties, and their domestic partners.

CorporateGuard

Directors’ and Officers’ Liability Protection for claims brought against directors, officers and senior employees for actual or alleged breach of duty, neglect, misstatements, errors or omissions. Includes separate limits for non-executive directors, crisis support package, and free legal advice.

Mid to large sized companies. Includes past, present and future directors, officers, employees acting in management or supervisory capacity, shadow directors, outside entity directors, spouses, administrators and executors of insured’s estates.

CorporateGuard D&O Liability Insurance for AIM – Quoted Companies

Protection for claims brought against directors, officers and senior employees of

businesses listed or planning to list on the Alternative Investment Market (AIM). All companies currently listed on the Alternative Investment Market (AIM) or companies that have enlisted a Nominated Advisor (NOMAD) in order to list on the AIM.

CorporateGuard

Pension Trustee Liability Provides protection for the trustees, the employees, the employer company and the fund itself against claims brought for actual or alleged wrongful acts in relation to a plan. In addition to providing cover for settlement of an action.

Mid- to large-sized companies with pension plans.

CorporateGuard

Employment Practice Liability Insurance Specific, purpose-build worldwide employment practices cover for the entity, individuals, and outside entity directors. Mid- to large-sized companies. CorporateGuard

Public Offering of Securities Insurance Covers companies against securities claims arising from offerings of a company’s securities. the policy can cover equity or debt issues, both initial and secondary. Cover is for the company and its directors, officers, employees and selling shareholders.

Companies going public raising capital outside of the US.

CorporateGuard

D&O Lifetime RunOff tailored, standalone policy, designed to ring fence the past liabilities of an acquired company. It has been structured to accommodate all types of run-off scenarios with unlimited policy duration.

UK and International businesses that are undergoing a change of control.

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Financial Lines

COMMERCIAL INSTITUTION PRODUCTS COVER MARKET

PrivateEdge:

Private Companies Private edge from AIG is designed to provide flexible and comprehensive entity and individual protection, and the services to cope with the downsides that occur in business, particularly in the increasingly litigious modern-day environment.

All privately-owned commercial companies with turnover of £250m or less.

PrivateEdge:

Partnerships A partnership structure can create commercial advantage for an entity, but equally may increase the exposure partners may have to risking their personal assets. AIG has developed an insurance solution that focuses on the needs of professionals in their managerial capacity.

All partnerships with turnover of £250m or less (other than financial institutions) including:

•Limited Liability Partnerships •Limited Partnerships •General Partnerships PrivateEdge:

Not For Profits Provides comprehensive protection for not-for-profit entities and individual directors and officers and employees from actual or alleged breaches of duty, neglect, and misstatement.

All not for profit entities including charitable associations.

Corporate Kidnap and Ransom Cover for losses from kidnap or bodily injury or property damage extortion, including the costs of ransom, cost of investigation, lost salary, negotiation, medical expenses and aftercare.

Any company with employees either travelling to, or based in, overseas countries, or high profile organisations.

Family Kidnap and Ransom Insurance Cover for wealthy or high profile families, cover for ransom payments following kidnap, bodily injury or extortion plus cost of investigation, negotiation, medical expenses and aftercare.

Wealthy individuals and families with high profiles.

Piracy Provides cover for kidnap or seizure of a ship’s crew or vessel. Cover is provided for ransom, ransom transportation, crew salaries, bunkering, loss of hire and other related expenses.

Ship owners, charterers, logistic companies and natural resource exporters.

FINANCIAL INSTITUTIONS PRODUCTS COVER MARKET

CorporateGuard

Hedge Fund One Covers directors of a hedge fund against claims for breaches of duty in that capacity. Hedge Funds and their directors. CorporateGuard

Civil Liability

(Financial Institutions)

Professional services insurance on a civil liability basis for the financial institution, all its employees and others for whom it is vicariously liable.

All financial institutions including Banks, Hedge Funds, Insurance Companies, Building Societies, Fund managers, Investment managers, Stockbrokers, venture Capital firms and Finance Companies.

CorporateGuard

Comprehensive Crime Insurance (Financial Institutions)

For financial institutions; Covers fraud, dishonesty, theft, forgery and third party computer and funds transfer fraud. Also includes cover for identity fraud and payment of loss investigation fees.

All financial institutions including banks, building societies, investment management companies, insurance companies and stock brokers.

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Financial Lines

FINANCIAL INSTITUTIONS PRODUCTS COVER MARKET

CorporateGuard

Directors and Officers Insurance for Financial Institutions

Protection for claims brought against directors, officers and managers for any act in a directorial or managerial capacity which leads to a claim. Specific SeC endorsement for US exposures. entity cover for employment practice liability and securities claims is also available.

All financial institutions including Banks, Hedge Funds, Insurance Companies, Building Societies, Fund managers, Investment managers, Stockbrokers, venture Capital firms and Finance Companies. Protection for past present and future directors, officers, employees acting in management or supervisory capacity, shadow directors, outside entity directors, spouses, administrators and executors of insured’s estates. CorporateGuard

Employment Practice Liability Insurance (Financial Institutions)

Specific, purpose-built protection for managers and the company from the financial consequences of employment practice violations covering damages/awards and legal costs of official investigation.

All financial institutions including Banks, Building Societies, Investment Management Companies, Insurance Companies and Stockbrokers.

CorporateGuard

Investment Management Insurance Financial protection against civil liability for investment advisory services, directors and officers liability insurance in respect of both the investment fund and investment manager; as well as crime cover against the dishonesty of employees and third parties.

Investment Management Companies, Investment Funds, Hedge Funds and Investment trusts. Includes automatic cover for approved persons, outside entity directors, domestic partners, administrators, and executors. Automatic new fund and subsidiary cover provided the fund or subsidiary in question meets pre-determined criteria. CorporateGuard

Pension Trustee Liability (Financial Institutions)

Protection for the trustees, the employees, the employer company and the fund itself against claims brought against them for actual or alleged wrongful acts which have placed the plan’s assets at risk.

All financial institutions including Banks, Hedge Funds, Insurance Companies, Building Societies, Fund managers, Investment managers, Stockbrokers, venture Capital firms and Finance Companies.

CorporateGuard

Public Offering of Securities Insurance (Financial Institutions)

Covers companies against securities claims arising from offerings of a company’s securities. the policy can cover equity or debt issues, both initial and secondary. Cover is for the company and its directors, officers, employees and selling shareholders.

All financial institutions involved in raising capital via issue of a prospectus.

CorporateGuard

PEVC Protector A blended policy offering financial protection against professional service claims, directors and officers liability claims, employment practices liability claims and outside directorship liability claims in the operation of a venture capital or private equity entity.

Private equity and, venture Capital Managers, and related investment funds and partnerships. Protects past, present and future directors and officers including private company board seats, board observer seats, shadow directorship positions, and approved persons, advisory board members as limited partners and as board participants, general counsel and risk managers.

PROFESSIONAL LIABILITY PRODUCTS COVER MARKET

Accountants Professional Liability For accountants; Primary and excess cover for civil liability. Accountants. We will consider the majority of risks from the sole practitioner to larger practices.

Architects Professional Liability Primary and excess cover for civil liability, including fidelity cover and extensions

for the loss of documents and Ombudsman awards. We will consider the majority of risks from the sole practitioner to larger practices. Bailiffs and Private Investigators Primary and excess cover for errors and omissions, libel and slander, loss of

documents, property conversion, dishonesty of employees, breach of warranty of authority and compensation for court attendance.

Accountants. We will consider the majority of risks

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Financial Lines

PROFESSIONAL LIABILITY PRODUCTS COVER MARKET

Professional Liability For construction firms; Primary and excess cover for errors and omissions, libel and slander, loss of documents, intellectual property rights and mitigation of loss, duty to warn, pollution and asbestos.

We will consider the majority of risks from the sole practitioner to larger practices.

Construction Professional Primary cover for Cyber and Privacy Liability, including loss of personal and corporate information, outsourcing and network security. Product includes embedded services, including cyber incident response specialists and breach coach.

All bailiffs, debt collection agencies or private investigators.

Liability Primary and excess cover for errors and omissions, libel and slander, loss of documents, dishonesty of employees and compensation for court appearances. Can be extended to cover vicarious liability of temporary placements.

Construction firms with design or supervision contractual responsibility exposure.

CyberEdge engineers Professional Liability cover. Primary cover for errors and omissions, libel

and slander, loss of documents, intellectual property rights and mitigation of loss. We have a broad appetite across a spectrum of risk, in the commercial space, irrespective of size of organisation. Employment Agents Professional Liability For insurance brokers; Primary and excess cover for civil liability, dishonesty

of employees including directors and partners, loss of documents, damages awarded by Ombudsman awards, compensation for court attendance, and FSA Investigation costs.

employment agents.

Engineering Professional Liability For management consultants; Primary and excess cover provided for breach of duty of care, dishonesty of employees, unintentional infringement of intellectual property rights, defamation and loss of documents.

engineers domiciled in UK.

Insurance Brokers Professional Liability Primary and excess cover for professional liability, errors and omissions, including

libel and slander, intellectual property rights and mitigation of loss. Insurance brokers. Media Professional Liability For solicitors; Cover for civil liability, damages awarded by the Legal Services

Ombudsman, and defence costs, with policy extensions to include group personal accident and crisis consultancy.

Any management consultants.

Solicitors Professional Liability Professional liability, errors and omissions. Coverage may be tailored for each

individual insured. A range of marketing and media businesses including broadcasters, advertising agents, public relations consultants, direct marketing, marketing consultants and promotional materials.

Specified Professions Professional Liability

Primary and excess layer protection against claims in respect of negligent acts, errors and omissions, breach of duty, dishonest or malicious acts by employees, infringement of intellectual property rights, breach of confidentiality, loss of documents.

Solicitors.

Technology Professional Liability Primary and excess layer protection against claims in respect of negligent acts, errors and omissions, breach of duty, dishonest or malicious acts by employees, infringement of intellectual property rights, breach of confidentiality, loss of documents.

Any miscellaneous profession not fitting into any of the other categories (i.e. conference organisers, auctioneers, loss adjusters, translators, etc).

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Global Risk Solutions

GLOBAL FRONTING PROGRAMS COVER MARKET

Captives Provide coverage for virtually any type of risk. Range from mono-line coverage in a single country to complex multi-line global structures. Offer local underlyers, claims services, tailored reporting and risk engineering including substantial risk transfer capacity.

Large domestic and multinational companies in virtually any type of industry that seek to create a compliant insurance program that allows an insured to assume a substantial element of its risk and to access the policy administration, claims handling and reporting services traditionally performed by insurance companies. Protected Cell Companies (PCC) Provide coverage for virtually any type of risk. Range from mono-line coverage in a single

country to complex multi-line global structures. Offer local underlyers, claims services, tailored reporting and risk engineering including substantial risk transfer capacity.

Mid-sized domestic and multinational companies in virtually any type of industry that seek to create a compliant insurance program that allows an insured to assume a substantial element of its risk and to access the policy administration, claims handling and reporting services traditionally performed by insurance companies. Conservation Funds, Loss Reimbursement

Structures, or Pre-funded Structures Provide coverage for virtually any type of risk. Range from mono-line coverage in a single country to complex multi-line global structures. Offer local underlyers, claims services, tailored reporting and risk engineering including substantial risk transfer capacity.

Domestic and multinational companies in virtually any type of industry that seek to create a compliant insurance program that allows an insured to retain losses without the need for a captive.

ALTERNATIVE SOLUTIONS COVER MARKET

Blended Structures Combining Client Funding

and Risk Transfer Provide coverage for virtually any type risk. A single policy that combines client funding of expected losses and the utilization of risk transfer above the funded layer. Large domestic and multinational companies in virtually any type of industry that wish to mitigate a challenging risk that is either not addressed, or addressed inadequately by the traditional insurance and financial markets.

Customized Primary or Excess Risk Transfer

Programs Primary or excess risk transfer insurance available for virtually any type of risk where there are no traditional market solutions available. Large domestic and multinational companies in virtually any type of industry that wish to mitigate a challenging risk that is either not addressed, or addressed inadequately by the traditional insurance and financial markets.

Buyout of Traditional Insurance Risks or

Unusual Exposures Provide coverage for virtually any type risk. enable clients to transfer risks held as provisions on a balance sheet or within a captive to a third party insurer, Large domestic and multinational companies in virtually any type of industry that wish to mitigate a challenging risk that is either not addressed, or addressed inadequately by the traditional insurance and financial markets.

OTHER PROGRAMS COVER MARKET

Captive Management Solutions Captive advisory and management services including a complete range of services regarding the feasibility, structuring, formation, management, and operational review of captives, with a unique understanding of each domicile’s regulatory requirements and local business practices.

A mid to large sized domestic or multinational company in virtually any industry wishing to form a new captive or optimize its existing captive program.

Breakthrough Innovation Develops and launches new products and services not currently available in the

insurance market. Mid to large sized domestic or multinational companies in virtually any industry facing a risk not addressed by the traditional insurance and financial markets. entrepreneurs with an idea for a new line of insurance or whose business has a unique risk exposure that needs protection.

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Liabilities

PRODUCTS COVER MARKET

Accel Elite employer’s liability programme with fully-integrated medical and vocational rehabilitation following work-related incidents causing injury or illness to employees. A Serious Accident Response Service, simplified process for notifying incidents and access to specialist loss control engineers can assist with accident management and Health & Safety compliance with enforcing bodies.

UK-domiciled business.

Excess Elite excess liability protects clients from major incidents that could exhaust their primary insurance protection. We cover employers’, public/products and Motor third Party Liability. In addition we include crisis management cover for up to £100,000 and Medical and vocational rehabilitation.

UK based companies including those with overseas sales or operations. For companies with North American turnover the indemnity will be inclusive of costs and subject to full pollution exclusion. In many cases excess elite can also be tailored to cover overseas subsidiaries; however it is not available for companies with no UK connection.

Comprehensive Liability Comprehensive Liability allows brokers to combine employers’ liability and public/ products liability with additional covers and services: helping clients to contain costs, broadening protection and assisting businesses to control the operational risks within their organisations.

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Marine

PRODUCTS COVER MARKET

Project Cargo All risks cover for property whilst in transit with optional covers for advanced loss of profit and/or consequential loss. Our team of in-house marine loss control engineers will work closely with underwriters to design and coordinate a comprehensive survey plan to fit the needs of each project.

UK-based and international companies involved in large infrastructure construction projects anywhere in the world.

Marine Cargo Comprehensive coverage for goods in transit from warehouse to warehouse

anywhere in the world. UK-based and international companies, whether manufacturers, importers or exporters.

Freight Services Liability Specialist limited liability coverage for incidents occurring within standard terms and conditions, when cargo is being conveyed from A to B.

UK-based and international companies, whether carriers or freight forwarders.

Marine Liability Specialist primary and excess liability covers for third party property damage and

bodily injury, for marine related operations. Worldwide marine transportation companies, stevedores, terminal operators, port authorities, ship repair yards, charterers and marine associated industries.

Port/Terminal Property and

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Mergers & Acquisitions

PRODUCTS COVER MARKET

Warranty & Indemnity Insurance Offers insurance cover to a buyer or a seller of a company for liabilities arising from breaches by the seller of warranties and indemnities (including cover for tax deeds) contained in the acquisition agreement.

Any company considering a merger or acquisition.

Tax Liability Insurance tax Liability Insurance from AIG can reduce or eliminate a loss arising from the successful challenge by the tax authorities of a taxpayer’s tax treatment of a transaction or investment.

Any company considering a merger, acquisition or restructuring.

Litigation Buyout Insurance Caps, or removes contingent liabilities and legacy management issues from a company’s balance sheet, and transfers any recourse for the liability to insurance capital.

Companies considering a merger or acquisition.

Environmental Solutions Offers coverage for environmental warranties in acquisition agreements. Can be coordinated with a range of environmental impairment liability solutions available on a site-specific or portfolio basis from AIG’s environmental division, including clean-up cost cap, contractors’ pollution liability and pollution legal liability.

Any company considering a merger or acquisition.

Portfolio Programmes Provides a portfolio of insurance protection for investor companies by suitably

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Motor Fleet

PRODUCTS COVER MARKET

FleetProtector Fully comprehensive, third party fire and theft or third party only cover, tailored to insured’s needs. Includes motor fleet management reports and a range of risk management services.

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Political Risk

PRODUCTS COVER MARKET

Contract Repudiation Losses caused by political acts that may interfere with the fulfilment of a contract including but not limited to non payment by a Government or a Sovereign Obligor and currency inconvertibility.

exporters, importers, trade finance organisations.

Investment and Project Risks Insurance Losses from a range of political acts including confiscation of assets, political violence, currency inconvertibility, forced abandonment, refusal by public guarantor to honour its obligations, war-on-land and others.

Companies with overseas investments, manufacturers, banks, overseas project financiers.

Non-repossession of Leased Assets Loss of equipment leased in a foreign country through political acts. Companies leasing equipment abroad or banks financing leased assets.

Political Risk Insurance for Mobile Assets Loss of stock or equipment in a foreign country through political acts. Construction companies, companies with stock or equipment overseas.

Wrongful Calling of Guarantee Insurance Losses on On-Demand-Bonds or Guarantees due to political acts. Construction companies, contractors, business exporters, trade finance organisations.

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Private Client Group

PRODUCTS COVER MARKET

Home and Travel Cover designed specifically for high value homes and contents with worldwide, warranty free, ‘all risks’ covers and family annual travel cover as standard. Our complimentary Risk Management appraisals provide clients with a detailed report to verify their sum insured, and gives holistic Risk Management advice. Post appraisal, we guarantee to rebuild property in the event of a loss – removing any risk of underinsurance. (Grade 1 listed buildings excepted). Our policy provides cover for general contents up to 50% of the buildings sum insured as standard.

High net worth individuals.

Motor Comprehensive cover for single vehicles or fleets of high value and high performance cars, as well as vintage and classic vehicles. We cover not only for the insured vehicle, but also cover the policyholder and spouse driving vehicles they don’t own – also comprehensive. Cover is for ‘agreed value’ settlements if a vehicle is written off, therefore removing any negotiation at the claims stage. In the event of a claim, we provide a temporary car of similar specification whilst an insured car is being repaired. We also provide comprehensive cover for rented vehicles for up to 90 consecutive days anywhere within the territorial limits.

High net worth individuals.

Aviation Aviation cover is available for clients whose home and/ or motor vehicles are insured with us. For fixed wing aircraft, there is a minimum hull value of US$1m and a maximum hull value of US$80m. For helicopters the minimum hull value is US$500k and the maximum is US$3m.

High net worth individuals.

Yacht We cover watercraft valued from £250,000 (policies can also be written in US$ or euros). Cover is all risks and provides wide cover. Yachts of a lower value insured when we also insure a client’s home and/or motor vehicles. Policies include public liability and employer’s liability cover. We can provide medical and personal accident cover for crew.

High net worth individuals.

Collections We provide Worldwide, all risks coverage for collections of fine art, antique furniture jewellery, and any other collectible. We provide agreed value cover for specified items, so in the event of a claim, the client receives the agreed value. We can also cover smaller items on an unspecified basis. We cover newly acquired items for up to 25% of the total sum insured for a period of 90 days after purchase. Cover is provided for ‘loss in value’ if an item is damaged and repaired. We cover defective title up to £25,000 and ‘Death of artist’ cover is also included.

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Property

PRODUCTS COVER MARKET

Large Limits We have expansive product offerings, providing Material Damage, Business Interruption, Money, Goods in transit, Deterioration of Stock, All Risk Computer, Machinery Breakdown, engineering and Standalone terrorism coverage.

Supports both multinational and local clients with Large Limits/ Highly Protected Risks coverage needs.

Middle Market Material damage and business interruption on an all risks basis with market leading

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Surety

PRODUCTS COVER MARKET

Contract Bonds

Performance, Advance Payment, Retention,

Maintenance, Labour & Material Payment, Supply and Bid bonds.

Protection, both public and private, against contractors and service provider’s inability to fulfil contractual obligations, usually as the result of financial failure or technical problems.

Investment grade, multinational companies with a regular bonding requirement of more than £15m and annual turnover of more than £350m.

Market sectors: Construction, Infrastructure, engineering, Support Services, transport, FMCG and Renewable energy Risks. Commercial Bonds

Customs/ Duty Deferment and License and Permit bonds.

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Trade Credit

PRODUCTS COVER MARKET

Corporate Trade Cover for non-payment due to insolvency or default of all buyers on domestic and

OeCD sales. Companies with turnover in excess of £25m selling on short credit terms. Global Trade Comprehensive excess of Loss cover for non-payment due to the insolvency or

default of a buyer, or inability to transfer currency due to a political act.

Companies with a turnover in excess of £50m selling on credit terms of up to 180 days.

Principal Customer top customer cover for non-payment due to insolvency or default of all buyers

above an agreed level on domestic and OeCD sales. Companies with turnover in excess of £15m selling on short credit terms. Captive Programmes Operational and structural support for self insured credit risk through excess of loss

coverage.

Companies with turnover in excess of £10m.

Single Buyer Non-payment cover for an individual key buyer. exposures in excess of £2m.

Financial Institutions Credit Insurance Cover for losses arising from non-payment of Letters of Credit or other eligible

transactions by named obligors. Banks.

Trade Finance Basel III compliant Credit insurance supporting structured and supply chain finance

transactions based on trade receivables. Companies with a turnover in excess of £25m. Pre-Export Commodity Finance –

Supplier Default Insurance Cover for the failure of a supplier to supply or export goods, commodities or services paid for in advance by the Insured. Banks, trading or manufacturing companies. Global Limits Manager A leading web-based credit management tool designed to set, manage and

monitor customer credit limits and ease policy administration using live sales ledger data., supplemented where necessary with status agency data. Global Limits Manager provides a powerful insight to trade receivables risk portfolio and is used by wide range of multinationals and corporates.

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American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc.

Products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. In Europe, the principal insurance provider is AIG Europe Limited. This material is for information purposes. Not all products and services are available in every jurisdiction, and insurance coverage is governed by the actual terms and conditions of insurance set out in the policy or in the insurance contract. Certain products and services may be provided by independent third parties. Insurance products may be distributed through affiliated or unaffiliated entities. For additional information, please visit our website at www.aig.com.

AIG Europe Limited is registered in England: company number 1486260. Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB.

AIG is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FRN number 202628). This information can be checked by visiting the FS Register (www.fsa.gov.uk/register/home.do).

UC133565 CO 1013 BeLFASt Forsyth House Cromac Square Belfast Bt2 8LA tel: 02890 511310 Fax: 02890 726085 BIRMINGHAM embassy House 60 Church Street Birmingham B3 2DJ tel: 0121 236 9471 Fax: 0121 233 3597 BRIStOL

ten victoria Street Bristol BS1 6BN tel: 0117 329 1065 Fax: 0117 906 9874 CHeLMSFORD victoria House 4th Floor, victoria Road Chelmsford, essex CM1 1JR tel: 01245 707 400 Fax: 01245 707 501 CROYDON 2-8 Altyre Road Croydon Surrey CR9 2LG tel: 020 8681 2556 Fax: 020 8680 7158 GLASGOW Centenary House 69 Wellington Street Glasgow G2 6HJ tel: 0141 303 4400 Fax: 0141 303 4440 LeeDS

5th Floor Gallery House 123-131 the Headrow Leeds LS1 5RD tel: 0113 242 1177 Fax: 0113 242 1746 LONDON 58 Fenchurch Street London eC3M 4AB tel: 020 7954 7000 Fax: 020 7954 7001 MANCHeSteR 4th Floor, 201 Deansgate Manchester M3 3NW tel: 0161 832 8521 Fax: 0161 832 0149 NeWCAStLe Suite 442, 4th Floor, Collingwood Buildings 38 Collingwood Street Newcastle Ne1 1JF tel: 0191 206 4091 Fax: 0191 206 4199 ReADING Soane Point 6-8 Market Place Reading RG1 2eF tel: 0118 964 2600

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