We re Stronger Together VIEW FROM AIG - LONDON 8:00 PM

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1 We re Stronger Together VIEW FROM AIG - LONDON 8:00 PM

2 VIEW FROM AIG - LONDON 8:00 AM To help you get the most from our outstanding range of products and services, this presentation highlights the headlines, target industries and AIG advantage for our key lines of business. COMMERCIAL LINES A clear view of our underwriting appetite Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT

3 StANDARD and customised commercial property insurance for a diverse range of clients Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES Insure some of the worlds largest most complex organisations. Worldwide network of loss control engineers. Ttechnical specialists across the UK and international markets for complex and alternative deal structures. Experienced UK team with extensive underwriting authority. KEY SECTORS Airports and transportation. Healthcare. Higher education. Engineering. Water utilities. technology, communications and media companies. Real estate and private finance initiatives (PFI). Financial Institutions: banks and building societies. Manufacturers: electrical, glass and metal manufacturing. Sport & leisure: retail, hotels, sports stadia. Multinationals, captives and risk managed programmes. Risks which are sprinkler protected. AIG ADVANTAGE Solutions oriented with a proven track record of consistent, flexible underwriting approach. Market leading capacity with access to $1.5 billion for well protected, well managed risks. Unparalleled multinational proposition including critical catastrophe cover for multinationals of all shapes and sizes. Flexible AIG risk management support provided on a global basis that is backed up by an extensive Insight library of best practice guidance. Direct access to decision making underwriters throughout the UK. LEARN MORE

4 PRIMARY AND EXCESS LIABILITY UNDERPINNED BY OUTSTANDING LOSS PREVENTION AND CAT CAPABILITIES Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES A leading carrier with over 200m in gross written premiums. Available capacity of 70m per risk. Over 90 liability underwriters throughout our UK regional network. Dedicated claims specialists. Market specialists in UK, international and multinational markets, and complex and alternative deal structures. KEY SECTORS A wide and flexible industry approach where customers demonstrate a high level of risk management. Non-conventional placements, difficult and catastrophe risks. Multinational risks of all shapes and sizes. Excess of Loss: UK, international and umbrella. North American exposures, exported products and domiciled risks. Energy and utilities. Excess construction and private finance initiatives. Employee accumulation risks, offshore and aircrew. Manufacturers: with specific focus on chemical, mineral, metal, electronics & machinery. Service industries. Communication, media, technology industries. Financial Institutions. AIG ADVANTAGE Dedicated team covering underwriting, loss control, rehabilitation and claims management. Broad form policy coverage providing unique and tangible protection. Online health and safety, supply chain management and contractor training. Crisis management included in our general liability wording. Online and mobile excess of loss trading platform. Empowered decision makers throughout regional network. Access to 500 loss control engineers throughout the world. LEARN MORE

5 GLOBAL REACH, MASSIVE CAPACITY AND INDUSTRY EXPERTISE FOR ENERGY AND ENGINEERED RISKS Property LIABILITY ENERGY FINANCIAL LINES HEADLINES KEY SECTORS AIG ADVANTAGE AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT Up to $1bn property capacity per risk. Experienced team of 40 underwriters. 94 specialist engineers positioned globally. Global reach, multinational capability. Claims teams located worldwide. Physical Damage and Business Interruption to:- Ooil and Petrochemical. Ooffshore and Upstream. Power / Utilities. Construction / Erection all risks. Chemicals. Mining above and below ground. Deep understanding of the industry, environment and operations, extensive expertise, substantial capacity and financial strength. Oour loss control consultants including chemical, fire protection and mechanical engineers, have dealt with virtually all types of energy, chemical and construction exposures. Global approach to protecting and insuring energy risks. Broad risk appetite. LEARN MORE Catastrophe capacity available.

6 MARKET LEADING PRODUCTS FROM ONE OF THE WORLDS LEADING FINANCIAL LINES INSURERS Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES One of the largest Financial Lines underwriting teams in the UK. One of the largest markets worldwide for Kidnap and Ransom providing cover for corporate businesses, separate policies for families, together with Piracy cover. One of the largest commercial D&O portfolios in the market. We insure companies big and small from the world s largest organisations to thousands of SME businesses. One of the largest and longest established teams in the global M&A transactional insurance market. KEY SECTORS We target all industries and excel at tough risks including Public D&O, US listed and public offering of securities insurance (POSI). Energy including diversified metals, mining, oil, gas, technology. Aerospace, airlines, mergers and acquisitions. Financial Institutions including asset managers, private equity, venture capital, banks and insurance companies. D&O for private companies. Commercial professions PI, particularly non-standard. Cyber liability. AIG ADVANTAGE Highly accessible Financial Lines experts throughout UK. High service levels (quote turnaround, policy issuance and claims handling). Keen to form tri-partite client and broker relationships to create optimum client solutions. Strong market profile and role in industry and thought leadership events. Significant line size and capacity. Market leading policy forms - protecting companies in a fluid regulatory environment. LEARN MORE

7 HELPING BROKERS DELIVER OUTSTANDING SOLUTIONS Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES Empowered regional underwriting teams with decision making authority. Well-trained, service-oriented underwriters able to offer advice and guidance to brokers. Committed to assisting brokers in servicing and adding value to clients. Clear, easy to understand, market leading products. Claims staff handling claims compassionately, quickly and conveniently. KEY SECTORS Businesses of all shapes and sizes from SMEs to FTSE500 companies. Employer groups of all sizes in all industries and sectors. Affinity groups, such as amateur sports, education and associations. AIG ADVANTAGE Experienced, helpful claims team, delivering fast and fair service to make claiming easy. Market-leading cover, continually reviewed so can be recommended with confidence by brokers to meets clients needs. Products include unique valuable services, accessible throughout the life of the policy, not just when there s a claim. Regionally available staff, empowered to provide decisions and advice when required. LEARN MORE Underwriting expertise and flexibility to meet the changing needs of all clients.

8 GLOBAL CAPACITY FROM An AEROSPACE MARKET LEADER Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES Significant net capacity in all aerospace segments. Highly experienced teams with proven track record of innovation. Empowered underwriting and claims decisions made locally. Worldwide risk appetite. KEY SECTORS Airlines commercial, regional, cargo, finance contingent risk. Airline hull deductible (buy down cover). Aerospace product manufacturers and distributors. Airport owners and operators. Airport ground handlers and service providers. Airport contractors. Corporate / industrial aid aircraft. Commercial helicopter operators. Satellite & space risks. Hull war and terrorism liabilities. Repair and overhaul facilities. Light aviation including sports aircraft. AIG ADVANTAGE One of the market leaders in aerospace insurance with broad global expertise. Long term commitment to our clients. Commitment to a partnership between underwriter, broker and client. First class dedicated servicing capabilities. Proven record for listening and responding to needs of our clients. Extensive experience in handling major losses. LEARN MORE

9 OUTSTANDING VALUE AND BALANCE SHEET PROTECTION FOR COMBINED POLICYHOLDERS Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES We deliver outstanding value for money protection including: Rehabilitation to get employees back to work after injury, reducing uninsured costs. Online health and safety training raises awareness, helps demonstrate compliance and reduce injuries at work. D&O, legal expenses, engineering breakdown. KEY SECTORS We underwrite individual risks, portfolios and schemes for a wide range of SMEs with turnovers up to 10 million. We are interested in the following sectors: Office based professional services - accountancy, legal, financial and business services. Retailers electrical appliances, computers, photographic equipment, communications, repairs shops, optical goods. Metalworking - secondary metal work trades e.g. fabricated metal products, hardware and tooling. Industrial and commercial machinery - manufacture and wholesale of industrial and commercial machinery, office and computer equipment. Commercial real estate and property owners. Mechanical and electrical components - manufacture or wholesale of non safety critical components including exports to North America. AIG ADVANTAGE For our customers we provide outstanding protection for employees, assets and balance sheets. Our products and services help reduce their risk exposure and cost. For brokers we protect your existing clients and can help you win new ones protecting your business and increasing your earnings. We aim to protect your customers better than any other carrier. LEARN MORE

10 PRODUCT RECALL INSURANCE AND CRISIS MANAGEMENT FROM ONE OF THE INDUSTRY S MOST EXPERIENCED Property LIABILITY ENERGY FINANCIAL LINES HEADLINES KEY SECTORS AIG ADVANTAGE AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT Multi-trigger crisis management protection. Dedicated claims specialists. Specialist product recall underwriters trained to industry specific safety standards. Wide policy coverage with unique and tangible protection. Specialist loss control engineers: loss prevention, mitigation, safety legislation. Supported by Edelman PR consultants, and NYA International crisis prevention and response services. Multinational businesses in all sectors. Product Recall: food and drink, cosmetics and over the counter pharmaceutical products Crisis management: all industries. Non-conventional placements. LEARN MORE One of the founding underwriters of product recall insurance in the UK market, with over 50 years combined underwriting experience. Exclusive access to RQA Group consultant engineers. Market leading capacity levels. Access to crisis management loss control engineers worldwide.

11 SOLUTIONS FROM AN AWARD WINNING LIABILITY INSURER Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY HEADLINES Brokers and clients are supported by experienced underwriting and claims handling teams. We cover both sudden and accidental and gradual pollution. Our policies cover changes in a rapidly evolving legal environment. Wide offering of Environmental Insurance products to suit the specific needs of our clients. Experienced in ; -- UK local business -- global multinational programmes -- programmes with Captive involvement. KEY SECTORS The flexibility of AIG environmental impairment policies can accommodate most sectors in the UK and elsewhere in the world; Manufacturers - from heavy industry and chemical companies to food and beverage manufacturers. Power and utility. Haulage and logistic. Construction projects. Property owners and developers including their tenants. Retail and warehouses. AIG ADVANTAGE Largest environmental underwriting team in Europe. Market leading autonomous team that can make quick decisions. We can manuscript coverage and program structure to meet the unique needs of an insured. Our global programmes ensure a clear and transparent process to buy environmental insurance at group level. Our large geographical footprint means we build compliant multinational programmes with local policies and local claims handling. Award winning web based training tool. TRADE CREDIT LEARN MORE

12 A LEADING GLOBAL MARINE INSURER Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES Over 100 years combined underwriting experience across the team. One of the leading insurers of marine business globally. Unrivalled global representation of skilled marine staff and multi-national administrators. High degree of autonomy meaning the great majority of underwriting decisions are made locally. KEY SECTORS Marine Cargo: Manufacturing, primary industries, heavy engineering (project cargoes). Large multinational, freight services liability, stock throughput. UK motorsports, on and off-track coverage. Marine Liability: Tterminal operators, stevedore s liability, port authorities, ship repairers. Marine construction, charterers legal liability, excess protection and Indemnity. AIG ADVANTAGE We build long term three way relationships with brokers and clients for the benefit of all parties. In-house marine loss control engineering, providing expert guidance on loss control techniques. Huge global footprint: worldwide local policy issuance, claims handling and loss control. Wide policy terms available and a flexible approach to manuscript wordings. Oceanwide, an on-line certificate issuing system available to all clients. LEARN MORE

13 COMPREHENSIVE PAN EUROPEAN MOTOR FLEET COVERAGE FROM SPECIALIST FLEET underwriters Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES Over 100m in gross written premiums. Dedicated claims specialists. Access to loss control engineers throughout the world. KEY SECTORS Non-conventional placements. Pan-European motor fleets. Pro-active risk managed exposures. LEARN MORE AIG ADVANTAGE A dedicated management team covering underwriting, loss control, medical and vocational rehabilitation and proactive claims management. Broad form policy coverage providing unique and tangible protection. Access to specialist loss control engineers, with expertise in loss prevention, safety legislation, and risk management and mitigation. Crisis management reputation protection coverage included in standard policy wording.

14 OVER 30 YEARS EXPERTISE Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES Senior management with more than 30 years political risk experience. 15 year maximum policy period. Specialising in large multinationals in emerging markets. KEY SECTORS Financial Institutions. Manufacturing - heavy industry and chemical to food and beverage. Construction. Mining, oil and gas. Commodity Traders. Defence. telecoms. Wholesale and retail. LEARN MORE AIG ADVANTAGE Successfully underwriting political risk since Insurance market s longest continuing political risk reinsurance treaty. Major London presence. Full member of the Berne Union. Unparalleled international representation. Significant capacity (up to $120m per risk line). Ability to write non trade related transactions.

15 A leading Insurer in International SURETY Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES Over 50 years combined underwriting experience. Ability to communicate and review documentation in multiple languages. Relationships with nearly all major international leading ENR clients. KEY SECTORS Construction. Engineering (mechanical and electrical). Energy (traditional and alternative). Project finance deals. All other sectors with a bond requirement (other than financial guarantees). AIG ADVANTAGE Ready to look at complex transactions. Flexibility and ability to consider risks up to 7 years duration. Solutions oriented looking for ways to get things done within core client base. Significant capacity available for qualified accounts and able to put difficult deals together in the market. Unparalleled international representation with the ability to issue local bonds in more places than anyone else. LEARN MORE Working with local as well as international brokers.

16 CHARTING EXCELLENCE AND INNOVATING BEYOND TRADE CREDIT INSURANCE Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES A successful track record with blue chip, household name clients. Largest Excess of Loss player in the UK, underwriting since Winner of GTR Best Credit Insurer Award 2009, 2010 & Multilingual, multinational underwriting teams across the world. Our Trade Finance solution harnesses our strong Standard & Poor rating to provide an innovative new product, aligning an improved form of Trade Credit Insurance with trade finance. KEY SECTORS Flexible approach to: Businesses with turnover in excess of 25m. Finance related programmes with a receivables pool in excess of 25m. Principle customer programmes covering top exposures only. Single risk transactions for exposures of 2m upwards. AIG ADVANTAGE First and foremost, we underwrite the client, providing consistent cover resulting in long term, well-established relationships. Our policy structures are tailored around the clients established credit management controls and procedures, giving them a higher level of autonomy to manage their own business. We offer non-cancellable limits, providing certainty of cover. Global Limits Manager an internet delivered facility through which you can establish, manage and monitor your customer credit limits and analyse your customer portfolio to identify areas of high business failure risk, high trading experience risk and low limit coverage. LEARN MORE

17 NON-TRADITIONAL SOLUTIONS TO UNIQUE RISKS Property LIABILITY ENERGY FINANCIAL LINES AEROSPACE COMMERCIAL COMBINED CRISIS MANAGEMENT MARINE MOTOR FLEET SURETY TRADE CREDIT HEADLINES Market leader in providing nontraditional insurance and reinsurance solutions to a wide range of corporate clients, financial institutions, municipalities, government entities and captive reinsurance companies. Broad flexibility in the type of exposure, class of risk and contract best suited to the requirements of the deal (e.g., insurance, reinsurance, loans, captive management, or other financial products). In-depth expertise, including the ability to analyse complex and unique risk, and a proven track record of designing and implementing innovative solutions. KEY SECTORS Global Fronting programmes incorporate varying levels of risk retention and/or risk transfer via captives, protected cell captives/ rent-a-captives and indemnity programmes. Alternative Solutions can combine structuring and risk transfer to address complex, unusual, or difficult to insure risks via partially or fully funded structures, customised risk transfer programmes, and buyouts. Breakthrough Innovation results in the design and implementation of new products and significant product enhancements. Captive Management offers a full range captive management and risk management consulting services regarding the feasibility, formation, and management of captives. Assumed Reinsurance provides treaty reinsurance for third party insurers and reinsurers. AIG ADVANTAGE Unique deal team culture bringing together underwriters, actuaries, lawyers, accountants, credit officers, regulatory and operational specialists. A history of partnering with clients to truly understand their business needs to provide optimum risk transfer and risk financing solutions. Ttechnical expertise to cover risks for which there is no conventional insurance market. Full access to AIG s multinational policy issuance capabilities and expertise controlling multicurrency cash flows. Access to the resources of the AIG organization, including significant risktransfer and risk financing capacity. Able to insure virtually all lines of business. Ability to analyse complex and unique risks. Superior servicing and claims handling, reporting and management. In-depth knowledge and advice on programmes, coverage, and regulations. LEARN MORE

18 BELFAST Forsyth House Cromac Square Belfast BT2 8LA Tel: BIRMINGHAM Embassy House 60 Church Street Birmingham B3 2DJ Tel: Fax: CROYDON 2-8 Altyre Road Croydon Surrey CR9 2LG Tel: Fax: GLASGOW 4th Floor, 69 Wellington Street Glasgow G2 6HJ Tel: Fax: LEEDS 5th Floor Gallery House The Headrow Leeds LS1 5RD Tel: Fax: LONDON 58 Fenchurch Street London EC3M 4AB Tel: Fax: MANCHESTER 4th Floor, 201 Deansgate Manchester M3 3NW Tel: Fax: READING Soane Point 6-8 Market Place Reading RG1 2EF Tel: Fax: 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 AIG Europe Limited is registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. AIG Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FRN number ). This information can be checked by visiting the FS Register (www.fsa.gov.uk/register/home.do). AI /14

19 BACK Print STANDARD AND CUSTOMISED COMMERCIAL PROPERTY INSURANCE FOR A DIVERSE RANGE OF CLIENTS With our depth of technical property underwriting expertise throughout the UK regions, substantial domestic and international capacity, superb risk engineering capabilities and an unparalleled global network, we specialise in writing difficult, challenging and unusual risks. International expertise Service and Claims Close communication between our underwriting, risk engineering and claims teams means we can deliver a seamless response on coverage, risk analysis and rapid decisions on settlements. We have a proud record of paying valid claims quickly and fairly, founded on the skill and experience of our technical claims specialists, while multinational claims are handled by our local claims teams, directly with our clients overseas entities. Risk Engineering We have exceptional in-house risk engineering capabilities, with our global network of risk engineers who undertake full qualified pre-quote surveys for potential clients. They are a rich source of risk management advice (including expert sprinkler knowledge) which they routinely share with clients and potential clients on-site. To ensure consistency and continuity for clients we deploy a single surveyor for multi-site programmes. Bespoke wordings and product breadth We pride ourselves on bespoke wordings and programmes tailored for clients. We have expansive product offerings: Material Damage, Business Interruption, Money, Goods In Transit, Deterioration Of Stock, All Risks Computer, Machinery Breakdown, Engineering and Standalone Terrorism. This is reinforced by our online learning tools and specific risk information by trade and exposure type to ensure your client is accurately informed about the risks they face and how best to mitigate their exposures. Multinational capabilities With over 60 years experience of multinational insurances, the largest owned global network the insurance industry has to offer and 9,000 claims staff in 320 offices throughout the world, we ve got a great deal to offer international businesses of all shapes and sizes. Our owned global network means we re less reliant on other companies; AIG staff worldwide are dedicated to your clients local policy issuance and service levels. One AIG UK contact, central premium and claims tracking and our UK multinational centre of excellence dedicated to coordinating your clients global programme give clients more control over their worldwide insurances. Capacity For well protected accounts in our key sectors, that demonstrate exceptional levels of risk management (with the involvement of AIG Risk Engineers) we can offer very high levels of underwriting capacity up to $1.5bn. Key Sectors Airports and transportation. Healthcare. Higher education. Engineering. Water utilities. Technology, communications and media companies. Real estate and private finance initiatives (PFI). Financial Institutions: banks and building societies. Manufacturers: electrical, glass and metal manufacturing. Sport & leisure: retail, hotels, sports stadia. Multinationals, captives and risk managed programmes. Risks which are sprinkler protected. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

20 BACK Print PRIMARY AND EXCESS LIABILITY UNDERPINNED BY OUTSTANDING LOSS PREVENTION AND CAT CAPABILITIES AIG is a leading primary insurer for clients with high quality, sustainable risk profiles. We are also one of the leading worldwide excess liability markets, with a broad appetite and expertise in terms of risk, size, location, capacity and structure. Expertise - before and after a loss Expertise We have particular expertise in non-conventional structures, multinational and international markets, energy and utility, construction and PFIs; major, corporate and SME markets; excess of loss and North American exposures. Loss control Our loss control expertise encompasses all industry verticals and is supported by an international network of engineers across the globe. UK Claims network Our UK claims network provides access to dedicated account managers, complex claim specialists who transact multi-million pound and intricate structure losses, in addition to fast track and multi-track specialists. Market leading We regularly analyse our policy forms to ensure that they are compliant and market leading. Our current primary policy form includes: employment related accident benefit, crisis management, product recall, third party clean up costs, vendors liability, legionellosis cover, and wide definitions of injury and damage. Medical and Vocational Rehabilitation Our Medical and Vocational Rehabilitation services are available to all policy holders to facilitate appropriate treatment for injured parties after an accident. Our trigger for involvement is the actual accident or injury, regardless of whose fault the accident was. Health and safety training All our primary liability polices include online health and safety training and advice including record keeping to aid defensibility after an incident (translated into several European languages), product safety and supply chain management and contractor management. Key Sectors Our appetite is focused on the proven quality and sustainability of an individual risk, e.g. RoSPA, British Safety Council and ISO awards, industry specific accreditation, developed risk management practices, e.g. OHSAS18001 accredited health and safety management systems, proven systems and records to aid claim defensibility, claim frequency levels which out-perform industry averages. A wide and flexible industry approach where customers demonstrate a high level of risk management. Non-conventional placements, difficult and catastrophe risks. Multinational risks of all shapes and sizes. Excess of Loss: UK, international and umbrella. North American exposures, exported products and domiciled risks. Energy and utilities. Excess construction and private finance initiatives. Employee accumulation risks, offshore and aircrew. Manufacturers: with specific focus on chemical, mineral, metal, electronics & machinery. Service industries. Communication, media, technology industries. Financial Institutions. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

21 BACK Print GLOBAL REACH MASSIVE CAPACITY AND INDUSTRY EXPERTISE FOR ENERGY AND ENGINEERED RISKS We are consistent and reliable providers of stable lead capacity. We have engineering specialists in the field throughout the world to support local, multi-country and global clients. We work with clients in single countries through to the largest of multinationals. World class expertise worldwide - before and after a loss Industry leading skill We have one of the insurance industry s largest and most experienced worldwide loss control teams. They are focused on assessing offshore, construction, property, machinery and mechanical breakdown related exposures, including risks unique to hydrocarbon processing, power generation, chemical and pharmaceutical. Local expertise - globally Situated locally throughout the world, our team speaks most local languages and are well versed in local, national and international practices and standards. Our engineers are specialists in disciplines such as chemical, petroleum, electrical, mechanical, fire protection and loss control engineering services. Loss control Our focus is to help reduce or eliminate the potential of loss due to explosion, fire, windstorm, flood, earthquake, collapse, mechanical and electrical breakdown exposures. We work with our customers to provide best in class and cost effective advice to improve upon management programs and inspection findings. Our reports are comprehensive and are widely accepted by the worldwide insurance community. Claims strength Our claims specialists average over 15 years experience handling energy and energy related property claims and we ensure that losses are adjusted as quickly as possible. The process is eased for our clients every step of the way, from online claim reporting to ongoing communications on the status of claims. Key Sectors Physical Damage and Business Interruption to:- Oil and Petrochemical. Offshore and Upstream. Power / Utilities. Construction / Erection all risks. Chemicals. Mining above and below ground. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

22 BACK Print MARKET LEADING PRODUCTS FROM ONE OF THE WORLDS LEADING FINANCIAL LINES INSURERS AIG are recognised world leaders in Financial Lines products, from D&O, to Employment Practices Liability, Pension Trustee Liability, PI, Public Offering of Securities Insurance and Cyber Exposures. 130 dedicated Financial Lines underwriting staff throughout the UK operation have high levels of individual underwriting authority and local decision making. This is supported by one of the largest Financial Lines claims teams in the UK insurance industry. Breadth of expertise and innovation Industry experience Here in the UK we have financial lines expertise from around the globe. This gives us the ability to continually refine our approach and evaluate emerging trends in the changing environment facing our clients. This is reflected in our market leading policy forms across Financial Lines, providing companies with the protection they need in a fluid legal and regulatory environment. Innovation and product diversity Our expertise and innovation is reflected in the diversity of our product range. From our flagship CorporateGuard and PrivateEdge D&O products to our CyberEdge offering, which combines security and consultancy services, with extensive first and third party protection. Online product support Our PI Toolbox is a go to website for brokers seeking additional information on the commercial PI suite of products, including claims examples to illustrate the need for PI. Kidnap & Ransom We are the second largest market worldwide for K&R with the ability to deploy significant amount of capacity. We partner with security specialists NYA International, as our consultants. Mergers & Acquisitions We have one of the most experienced teams in the global transactional insurance market providing bespoke insurance solutions for transaction liabilities: Warranty & Indemnity, Tax Liability and Litigation Buy-Out risks across all sectors and industries with particular expertise in Private Equity acquisitions and disposals. We have an ability to effectively insure more complex transactions due to expertise and resource. We have an appetite for most transaction sizes ranging from small (EV of 4m) to very large (EV of 4bn). Crime We offer market leading forms for commercial companies of all types. These cater for multinational companies requiring wide coverage or bespoke forms and for SMEs that may require more basic cover. Our wide ranging appetite has meant that we have experience in underwriting, and handling claims, in all industry sectors. We also offer pre-loss consultant service and a pre-agreed panel of investigative specialists when a loss happens. Key Sectors We target all industries and excel at tough risks including Public D&O, US listed and public offering of securities insurance (POSI). Energy including diversified metals, mining, oil, gas, technology. Aerospace, airlines, mergers and acquisitions. Financial Institutions including asset managers, private equity, venture capital, banks and insurance companies. D&O for private companies. Commercial professions PI, particularly non-standard. Cyber liability. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

23 BACK Print HELPING BROKERS DELIVER OUTSTANDING SOLUTIONS We are a leading provider of personal accident and travel insurance for businesses, organisations and affinity groups. Our market leading products are characterised by outstanding value added services, supported by underwriting specialists throughout our UK regional network and underpinned by the expertise of our A&H claims team. Technical depth, outstanding product and services Lifeline Plus Our highly differentiated Group PA and travel product includes: Natural Catastrophe Cover, security and situation awareness so employers comply with their duty of care obligations to travelling employees, Medical Second Opinion, 24/7 remote nursing access. 90% of our personal property and money claims are agreed over the phone in under 15 minutes. There are no war or terrorism exclusions within an insured person s own country. Lifeline Plus is for all industries and sectors. Broad customer base Segment leaders, managing each business segment from small business, through to FT500 sized multinational companies, as well as our Lloyd s and Specialty teams, ensure focus and continuously improved service for our brokers and clients. Simple online delivery RapidQuote is available for brokers to sell to small businesses and provides a fixed benefit, simple online method for insuring employees of small businesses for personal accident or business travel, with minimal excluded trades. Specialty solutions Our Specialty Solutions products provide innovative ways to insure members of affinity groups where an employer-employee relationship doesn t exist. Amateur Sports, Recruitment, Education and Associations are examples of areas where we have particular expertise, but we can also provide cover for one-off events or group activities. Flexible benefits Our Flexible Benefits solutions enable brokers to provide their clients with a means to introduce voluntary personal accident benefits to their employees and families. Employees have the flexibility to choose the level of cover most suited to their personal circumstances. Key Sectors Businesses of all shapes and sizes from SMEs to FTSE500 companies. Employer groups of all sizes in all industries and sectors. Affinity groups, such as amateur sports, education and associations. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

24 BACK Print GLOBAL CAPACITY FROM AN AEROSPACE MARKET LEADER For over 65 years we have been dedicated to addressing the insurance and risk management needs of airlines, general aviation, airports, manufacturers, distributors and aerospace service facilities of all types. We are market leaders in all segments of aviation insurance, with deep technical expertise, loss control, global claims handling expertise and extensive experience handling major losses for our clients. Capacity to address virtually any aviation related risk Industry expertise Our deep understanding of the aerospace industry makes AIG an invaluable strategic partner in all aspects of aerospace insurance and risk management. We have the expertise and capacity to address virtually any aerospace related risk. Airline AIG is one of the world s premier airline insurers. We provide risk solutions to all forms of airlines from regional and cargo operators to the largest international flag carriers. Products and Airports AIG offers a variety of tailor made solutions to a broad customer base, from manufacturers of individual component parts to aircrafts. We also cover air traffic control providers, local and major airport operators and service companies working at these locations. General Aviation Our general aviation department has an unrivalled team of experienced underwriters and is widely recognised as the market leader within this sector. We provide aerospace insurance coverage for corporate aircraft owners, commercial aircraft operations and both onshore and offshore helicopter operators. The largest single capacity in the general aviation insurance market allows us to provide our clients with comprehensive and market leading aviation insurance, wide ranging coverage and service. Space Our strong understanding of the technical side of manufacturing and our access to technical consultancy, legal and risk analysis enhances our ability to underwrite this challenging sector. This includes launch vehicle flight, spacecraft commissioning, in-orbit life as well as launch and in-orbit liability coverages. Claims Our team has an average of 20 years claims handling experience and are available to deal with any situations that arise on a 24/7 basis. We have experienced local claims representatives across the world to give immediate local support quickly in the event of an incident. Extensive major loss experience. We recognise that the first 72 hours following a major loss are a critical period and it s the insured s name, reputation and client base that is exposed. It is imperative to provide support to both the airline and local authorities to ensure that the crisis is managed efficiently and sympathetically. For major incidents we quickly employ a coordinated and creative approach to resolving passenger claims resulting in economical settlements and often generating positive publicity for the airline. Key Sectors Airlines commercial, regional, cargo, finance contingent risk. Airline hull deductible (buy down cover). Aerospace product manufacturers and distributors. Airport owners and operators. Airport ground handlers and service providers. Airport contractors. Corporate / industrial aid aircraft. Commercial helicopter operators. Satellite & space risks. Hull war and terrorism liabilities. Repair and overhaul facilities. Light aviation including sports aircraft. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

25 BACK Print OUTSTANDING VALUE AND BALANCE SHEET PROTECTION FOR COMBINED POLICYHOLDERS Our Commercial Combined products are renowned for their breadth of coverage and services. They have the all risks, business interruption and liability insurance covers you d expect from a combined policy and a lot more including D&O, equipment breakdown, rehabilitation and online health and safety training. We believe they offer outstanding value for money and protection for your clients businesses. Outstanding value for money protection Preventing Loss Commercial Combined has a range of covers and services, not only to protect businesses after they have had a loss, but also to help them minimise the chances of having a loss in the first place. It specifically helps protect the business s directors too, not just by providing a D&O component but also with its online health and safety training providing a demonstrable audit trail. Automatic D&O cover Many Commercial Combined policyholders receive 50,000 of Directors and Officers liability insurance automatically, covering defence costs, damages and settlements for wrongful acts (things that directors might get sued for because they are directors of a company e.g. health and safety, corporate manslaughter, wrongful trading and data protection). Health & safety training Commercial Combined includes access to a comprehensive ROSPA accredited web-based compliance training system, designed to develop and strengthen the health and safety of the company. Well trained staff help the business reduce the likelihood of accidents at work, and avoid risks of legal action, fines or even imprisonment for the company s directors. Breakdown cover Today s businesses are increasingly dependent on expensive and sensitive technology. Many Commercial Combined policies include automatic breakdown coverage up to the value of the contents sum insured for a wide range of equipment including: computers, refrigeration equipment, air conditioning, telecommunications systems, boilers, and audio equipment. Medical rehabilitation Commercial Combined provides medical and vocational rehabilitation for employee workplace injuries regardless of fault. Our professional Case Managers (usually registered nurses) review all reported employee injuries at work. They coordinate medical services, liaise with doctors and AIG to ensure the patient receives the most suitable treatment. Key Sectors We underwrite individual risks, portfolios and schemes for a wide range of SMEs with turnovers up to 10 million. We are interested in the following sectors: Office based professional services - accountancy, legal, financial and business services. Retailers electrical appliances, computers, photographic equipment, communications, repairs shops, optical goods. Metalworking - secondary metal work trades e.g. fabricated metal products, hardware and tooling. Industrial and commercial machinery - manufacture and wholesale of industrial and commercial machinery, office and computer equipment. Commercial real estate and property owners. Mechanical and electrical components - manufacture or wholesale of non safety critical components including exports to North America. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

26 BACK Print PRODUCT RECALL INSURANCE AND CRISIS MANAGEMENT FROM ONE OF THE INDUSTRY S MOST EXPERIENCED AIG are one of the leading product recall insurers and a founding market specialist in crisis management insurance. Our specialist underwriting and claims teams are supported by a global network of crisis support services including: food safety, product recall, business continuity and communications consultancy for clients reputational protection in a crisis. Technical depth, outstanding product and services Experience and expertise Our Crisis Management team has over 50 years combined underwriting experience. We deploy subject matter experts across a raft of business segments and industries. Our underwriting expertise includes non-conventional structures, international markets and food and drink industry standards while our loss control expertise crosses all industries supported by an international network of engineers across the globe. Claims Our worldwide claims network is unrivalled in terms of size and scope. In the UK we provide access to dedicated account managers, complex claim specialists handling multi-million pound and intricate structure losses, in addition to fast track and multi-track specialists. Crisis Management Our ground breaking Crisis Management insurance is triggered by a range of incidents including: sudden loss of a senior executive, loss of a major customer, government or regulatory investigation, negative earnings or sales announcements, hostile take-over, insolvency filing, workplace violence or injury, manmade disasters, accidental injury to groups of 10 or more people, product or service boycott, strikes, fraud, computer hacking. Key Sectors Our appetite is focused on the proven quality and sustainability of an individual risk, rather than which trade group it fits into. Broadly we are particularly interested in: Multinational businesses in all sectors. Product Recall: food and drink, cosmetics and over the counter pharmaceutical products. Crisis management: all industries. Non-conventional placements. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

27 BACK Print SOLUTIONS FROM AN AWARD WINNING LIABILITY INSURER Environmental liabilities present a growing risk to businesses as heightened levels of public awareness and developing environmental regulation have made businesses more responsible for environmental damage. With the largest environmental underwriting team in Europe, AIG have been developing innovative environmental insurance programs for over 10 years. Products and service innovation Enviropro Provides comprehensive environmental insurance cover for your client s business activities in the UK or worldwide. Cover for biodiversity and complementary and compensatory remediation, defense costs, mitigation costs and other provisions of the 2009 Environmental Damage Regulations are covered under this policy. Pollution Legal Liability Our product enables a business to cover insured properties against environmental liabilities. This policy is particularly valuable in property or company transactions or other situations where pre-existing pollution liabilities might arise. Contractors Operation & Professional Services Environmental cover 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. Contractors Pollution Liability This covers environmental liabilities arising from a contractor s operations caused by the introduction of new pollution conditions or the exacerbation of existing pollution conditions. Policies can also be taken out by clients on behalf of contractors. EIL Training Our award winning suite of environmental training modules is freely available to brokers and risk managers from our website. It provides a comprehensive overview of many of the fundamentals of environmental insurance and professional development credits are awarded for completing the 5 modules. Key Sectors The flexibility of AIG environmental impairment policies can accommodate most sectors in the UK and elsewhere in the world; Manufacturers - from heavy industry and chemical companies to food and beverage manufacturers. Power and utility. Haulage and logistic. Construction projects. Property owners and developers including their tenants. Retail and warehouses. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

28 BACK Print A LEADING GLOBAL MARINE INSURER A leading global marine insurer, we underwrite over $700m of Marine business worldwide and have been established in the UK for over 50 years. We have a stable, market recognised underwriting team with a commitment to building long term relationships with brokers and clients. We have a highly skilled UK marine claims team, while for overseas cargo movements we have marine claims adjusters throughout AIG offices globally, delivering a seamless and consistent approach to claims handling. Key products and services Cargo and Risk Management We are regarded as one of the go to markets because of our global representation, our UK service offering and our local expertise, including dedicated marine representation in growth markets such as China and India. Freight Services Liability Globally we underwrite 6 of the top 15 international freight forwarders, three of which are in the London office. Broad form and high sums insured are available including extensions for E&O coverages. Terminal Operators and Port Authority Liability Significant capacity and tailored wordings are available. PortGuard A new, tailored solution for UK small and medium ports offering multi-line disciplines in one package. Standalone Marine Liability coverages are also available. Inland Marine - Motorsports This is a new product offering all risks coverage for motor racing vehicles during transit, storage and whilst on track. General cargo General cargo whilst in transit plus policy extensions for static risk (Stockthroughput) and retail exposures. Loss control Our global network of loss control engineers provide analysis and free advice on all elements of cargo movements from sea transit load an stow, inland routing and security measures to minimise or negate risk and deliver cargo safely. Our loss control services can be extended to static risk analysis and infrastructure surveying, including Ports and Terminals. For larger more complex projects our loss control engineers co-ordinate risk management, giving their own advice and managing external surveyors and inspectors as required. Key SectorsMarine Cargo Manufacturing, primary industries, heavy engineering (project cargoes). Large multinational, freight services liability, stock throughput. UK motorsports, on and off-track coverage. Marine Liability Terminal operators, stevedore s liability, port authorities, ship repairers. Marine construction, charterers legal liability, excess protection and Indemnity. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

29 BACK Print COMPREHENSIVE PAN EUROPEAN MOTOR FLEET COVERAGE FROM SPECIALIST FLEET underwriters While some buyers may see motor fleet insurance as a commodity to be purchased on price alone, we regard it as a truly valued service for clients. Our specialist fleet underwriters throughout our UK regional network deliver superior coverage and outstanding support services, to help our brokers win and retain high quality motor fleet business. Bespoke insurance solutions Technical expertise We have great depth of technical fleet knowledge including non-conventional structures and pan- European fleet programmes. This is supported by loss control expertise across all industries and an international network of engineers across the globe. Rehabilitation We employ and provide access to medical professionals and vocational consultants to help injured parties after an accident. These rehabilitation services are available to all our fleet policy holders to facilitate the most appropriate treatment for injured parties post accident regardless of who was at fault for the accident or injury. Claims Our worldwide claims network is unrivalled in terms of size and scope. In the UK we provide access to dedicated account managers, complex claim specialists who manage highly intricate, multi-million pound losses, in addition to fast track and multi-track specialists. Proactive risk management Our Driver Profiler tool developed with the Transport Research Laboratory provides individual driver analysis to focus on and improve at work driving, and up skill riskier drivers. Our other risk management tools include products to identify, assess, mitigate and control exposures; full risk reviews and behavioural coaching models. Market leading coverage We regularly review and undertake analysis of all of our policy forms to make sure they are compliant, appropriate, and market leading. Key Sectors Our appetite is focused on the proven quality and sustainability of an individual risk, rather than which trade group it fits into. We have particular fleet appetite for: Non-conventional placements. Pan-European motor fleets. Pro-active risk managed exposures. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

30 BACK Print OVER 30 YEARS EXPERTISE AIG has more than 30 years experience underwriting Political Risk Insurance, with dedicated underwriters located in London to provide clients with global underwriting and service. Our underwriting and policy servicing capabilities are supported by our network of operations serving customers in over 160 countries and jurisdictions. We are a member of the Berne Union, the International Union of Credit and Investment Insurers. Flexible cover for unique exposures Financial Institutions We structure coverage for financial institutions (FIs) and investors unique exposures. FIs can secure coverage for their own loans, or on behalf of other banks for loan syndication or risk distribution of investors while designating a FI or trustee as the insured or loss payee as dictated by the transaction structure. Equity Investors We can cover equity investors against the potential loss of overseas assets and investments as a result of specific political perils. With the support of Political Risk Insurance, investors can also realise the full potential of foreign investments while mitigating exposure to unforeseen and potentially catastrophic political events. Large multinational projects Multinationals engaged in long-term projects (e.g. infrastructure, mining, oil and gas, telecommunications) can face a variety of political perils, especially when located in high-risk countries. We have the underwriting expertise and capacity to meet this growing demand for Political Risk Insurance to protect the completion of large project-related transactions. Construction and engineering These companies may have large overseas financial exposures that can be affected by various political risks. We offer Political Risk Insurance to protect contractors against political perils that could jeopardise business profitability such as the wrongful calling of guarantees or the loss of a plant or equipment. International trade International trade transactions can be disrupted by political events such as trade embargoes, license cancellation or government acts that frustrate the completion of a contract. We can structure a Political Risk Insurance policy that offers importers and exporters protection against these political risks. Key Sectors Financial Institutions. Manufacturing - heavy industry and chemical to food and beverage. Construction. Mining, oil and gas. Commodity Traders. Defence. Telecoms. Wholesale and retail. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

31 BACK Print A leading Insurer in International SURETY Surety Bonds provide protection to clients, both public and private, against contractors and service providers inability to fulfill contractual obligations, usually as the result of financial failure or technical problems. We work with those contractors and service providers to mitigate those risks and concerns and guarantee performance. Benefits of Surety Surety Bonds Surety Bonds are a viable alternative to bank bonds or letters of credit. They improve the contractor s liquidity by freeing up bank lines for working capital needs and possible acquisition financing. New opportunities Surety Bonds opens up job tender opportunities, supporting order book grants and cash-flow. The employer s risk of a contractor s default can be transferred to a surety. Worldwide support We provide worldwide support through the AIG global network at home and abroad with Surety centres of excellence in London, New York, Toronto, São Paulo, Hong Kong, Shanghai and Singapore. Key Sectors Investment grade, blue chip companies and industry leaders with a regular bonding requirement of not less than $25m / 15m. Turnover in excess of $545m / 350m. Well capitalised balance sheet and a tangible net worth of not less than $47m / 30m. AIG will also work with banks looking to re-allocate/ share risk. Market sectors: Construction, Infrastructure, Support Services, Transport, Telecoms and Renewable Energy risks. UK & European companies with international operations, particularly in North America and Latin America (where not GBP or USD, then equivalent currency). This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

32 BACK Print CHARTING EXCELLENCE AND INNOVATING BEYOND TRADE CREDIT INSURANCE A multiple award winning trade credit insurer, currently the UK s largest trade credit excess of loss insurer with over 40 years experience underwriting this class in the UK. Our product suite goes beyond conventional credit insurance, offering a range of solutions for companies of various sizes. Going beyond conventional credit insurance Corporate Trade Policy Our policy provides cover for non-payment due to the insolvency or default of both domestic and export buyers. Principal Customer Policy Our policy allows businesses to arrange cover for non payment due to insolvency or default of all buyers above an agreed level for both domestic and export buyers. Global Trade Policy Our Global Trade policy provides 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. Non-cancellable Buyer and Country limits are available providing greater contract certainty. Product innovation 1) Non-cancellable limits Our non-cancellable limits have enabled us to grow as clients have become disaffected with insurers who find it difficult to replicate this product. 2) Global Limits Manager Another innovation, is a web-based credit management tool that sets, manages and monitors customer credit limits and eases policy administration using live sales ledger data. Supplemented where necessary with status agency data it gives powerful insights into a policyholder s receivables risk portfolio. 3) Trade Finance Our Trade Finance solution harnesses the AIG rating strength to deliver better client access to finance for their receivables pool. It can increase the level of funding available to clients at potentially lower funding costs. It can be used to protect the clients balance sheet against catastrophic risk as well as enhancing their credit management and treasury functions effectiveness. Key Sectors Businesses with turnover in excess of 25m. Finance related programmes with a receivables pool in excess of 25m. Principle customer programmes covering top exposures only. Single risk transactions for exposures of 2m upwards. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

33 BACK Print NON-TRADITIONAL SOLUTIONS TO UNIQUE RISKS Global Risk Solutions specialises in global fronting programmes; alternative solutions; breakthrough product innovation; captive management services; and assumed reinsurance. Global Risk Solutions provides clients with non-traditional solutions to unique risks that are not adequately addressed by the traditional insurance or financial markets. We develop innovative, customised programmes to help clients mitigate these challenging risks. Bespoke insurance solutions Global Fronting For over 50 years, Global Risk Solutions has been providing a variety of global fronting programmes to help clients finance risk. Our services include: policy issuance, claims administration, claims reporting, efficient premium management and experienced administration of insurance premium taxes. Around the globe, we deliver a coordinated international teambased approach with consistently high quality service backed by our extensive global network, in-depth experience and our local expertise. Alternative Solutions For over 20 years, the team has delivered alternative solutions programmes to address complex, unusual, or difficult to insure risks by utilising blended structures combining client funding and risk transfer, customised primary or excess risk transfer programmes and buyouts to reduce or remove liabilities resulting from traditional insurance risks or unusual exposures. Alternative solutions can assist with cash flow and provide costefficient evidence of insurance. By dealing with risks that are difficult to insure, some of these programmes can facilitate M&A activity. Breakthrough Innovation We provide bespoke solutions for currently uninsurable risks (e.g. brand protection, lottery transactions). Our team of professionals works closely with brokers and clients to develop and launch innovative products and significant product enhancements that are often new to the insurance marketplace. Captive Management Our global product portfolio ranges from single parent insurance and reinsurance captives, associations, risk retention and group captives to rent-a-captives and protected cell companies. With our worldwide network, we have extensive capabilities and in-depth understanding of each domicile s regulatory requirements and local business practices. Today, more and more companies of all sizes rely on captives as a risk management alternative and local knowledge is critical when establishing or relocating a captive entity. Assumed Reinsurance AIG Re writes treaty reinsurance for third party insurers and reinsurers. The group underwrites international property catastrophe reinsurance, specialty reinsurance (i.e. crop, title and lender placed flood) and structured reinsurance for a wide variety of lines of business. Key Sectors Global Fronting programmes incorporate varying levels of risk retention and/or risk transfer via captives, protected cell captives/rent-a-captives and indemnity programmes. Alternative Solutions can combine structuring and risk transfer to address complex, unusual, or difficult to insure risks via partially or fully funded structures, customised risk transfer programmes, and buyouts. Breakthrough Innovation results in the design and implementation of new products and significant product enhancements. Captive Management offers a full range captive management and risk management consulting services regarding the feasibility, formation, and management of captives. Assumed Reinsurance provides treaty reinsurance for third party insurers and reinsurers. This material was produced for use within the United Kingdom. AIG Europe Limited is authorised and regulated by the Financial Services Authority (FSA number ). This information can be checked by visiting the FSA website (www.fsa.gov.uk/pages/register). Registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. AI /13 BACK

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