CLARITY AND OPPORTUNITY: OUR UNDERWRITING APPETITE NORTHEAST

Transcription

1 CLARITY AND OPPORTUNITY: OUR UNDERWRITING APPETITE NORTHEAST

2 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) CLARITY AND Clarity OPPORTUNITY and Opportunity A vital component to successfully working together is providing clarity about our underwriting appetite. In this brochure, we pinpoint preferred industries and business sectors and the competitive advantages for each of our product areas, so you can get the best out of AIG. COLLABORATION Together we can improve your bottom line. We can help you stand out from your competitors, win and retain more clients, and deliver better client service with reduced costs.

3 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) COMMERCIAL PROPERTY > CONSUMER INSURANCE > FLEET/MOTOR > LEXINGTON INSURANCE > MARINE > AEROSPACE > ALTERNATIVE RISK > POLITICAL RISK > AIG MULTINATIONAL > ENERGY & ENGINEERED RISK > ENVIRONMENTAL > PROGRAMS > CASUALTY > FINANCIAL LINES > SURETY > TRADE CREDIT >

4 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) FROM AN AEROSPACE MARKET LEADER HEADLINES A market leader for over 65 years in the aerospace insurance industry with broad global expertise. Significant capacity in all aviation segments: up to US$850 mn any one occurrence/us$100 mn any one hull (value of aircraft). Long term commitment to our clients. Extensive experience in handling major losses. Ability to provide insurance solutions for virtually all risks, in all classes of business in the aerospace industry. Availability of $50 mn non-aggregated limit for non-critical aerospace component parts manufacturers. Availability of $1 bn capacity for non-critical aerospace component parts manufacturers, airports & ground service providers. KEY SECTORS Aerospace product manufacturers, distributors, and maintenance repair and overhaul (MRO) operations. Aerial Applications. Airlines. Airports. Business Aircraft and Corporate Fleets. Charter/Commercial. Fixed Base Operators. Helicopters. Heliports. Modification and Repair Facilities. Personal Pleasure Aircraft. Space. LEARN MORE AIG ADVANTAGE Expert underwriters empowered to make decisions locally. Highly experienced aviation teams with proven track record of product innovation. Commitment to building a partnership between underwriter, broker and client to help win and retain business. Proven record for listening and responding to needs of our clients and first class dedicated servicing capabilities to maximize retention. Worldwide claims handling expertise. KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

5 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) AIG MULTINATIONAL SOLUTIONS, YOUR WAY HEADLINES Wherever our clients are today, wherever they want to be tomorrow, we give them the protection and service they need to do business with confidence. Our flexible, collaborative approach and resources enable clients to make informed decisions as they secure the multinational solutions that work best for their organizations. KEY SECTORS Multinational companies in all sectors and sizes. Companies expanding internationally. Captives and risk-managed programs. AIG ADVANTAGE A multinational program tailored to unique needs and preferences, whether local policies, a global policy, or a combination, a controlled master program. Consistent high-quality underwriting, loss control/engineering, and claims services, wherever a company operates. Deep local knowledge and expertise, infusing all facets of a program with local support worldwide. Insights and tools that facilitate informed decisions in managing multinational risks. LEARN MORE KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

6 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) PRIMARY AND EXCESS CASUALTY UNDERPINNED BY EXCELLENT RISK CONSULTING AND CLAIMS HANDLING EXPERTISE HEADLINES Expertise: We have expertise in conventional and nonconventional structures; loss sensitive and guaranteed cost; multinational and middle-market segments. We can offer up to $150 mn in limit capacity, through member companies that are both admitted and non-admitted. We have particular expertise in construction, retail, energy, healthcare, financial institutions, manufacturing, real estate, food and beverage, defense contracting, and large and small truck fleets. Risk Consulting: Specialists in worker safety in construction, road safety in fleet, patient safety in healthcare, and consumer safety in products liability are available to assist before a claim occurs. Claims Network: World class claims network provides access to dedicated account managers and complex claim specialists. We mitigate losses by employing our robust litigation management infrastructure, including expert in-house staff counsel, leading panel counsel, and exceptional litigation strategies (testing defense tactics, guidance on venues, mock trials, and shadow juries). Customer Focus: Specialized underwriting teams providing customized risk management solutions to meet a broad range of customer needs. KEY SECTORS Primary, Excess, and Cat Excess Liability. Workers Compensation/Employer Liability. Communications, Media and Technology Employee accumulation risks, including offshore and aircrew. Defense. Energy and Construction. Food and Beverage. Financial Institutions. Healthcare and Medical Malpractice. Manufacturing. Motor/Fleet. Multinational risk of all sizes. Real Estate. Retail. Wholesale. LEARN MORE AIG ADVANTAGE Strong appetite for medium and large clients helping you win and retain business. Dedicated claims specialists for large, complex, and express claims so we can deliver the right claims experts and give your clients the best claims service as quickly as possible. Risk consultants with expertise in loss prevention, healthcare, safety, legislation, risk management, and mitigation, all designed to help reduce your clients chances of suffering a loss. Strong underwriting focus and loss control capabilities makes us an expert and responsive partner for difficult, challenging, and unusual risks. KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

7 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) COMMERCIAL PROPERTY INSURANCE FOR A DIVERSE RANGE OF CLIENTS HEADLINES Market leading capacity with access to US$1.5 bn for well-protected, well-managed risks. Insure some of the world s largest most complex organizations. Flexible AIG risk management support provided on a global basis. Global, consistent product and service capabilities. KEY SECTORS Comprehensive property insurance, risk management, and loss prevention engineering providing full-service solutions for clients across segments and occupancies. Large Limits clients with total insurable values (TIV) over US$750 mn. Middle Market clients with TIV of US$25 $750 mn. Small/Medium Size Enterprises with TIV of up to US$25 mn. Primary CAT/Inland Marine-Excess and Surplus Lines (U.S. only). Capacity is generally limited to $25 mn with ability to provide up to $50 mn. Coverage provided across wide range of industry sectors including: Manufacturing, Telecommunications, Public Entities, Education, Healthcare, Real Estate, Retail, and other commercial classes. AIG ADVANTAGE Market leading capacity supports 100% of clients property insurance needs. Ensures direct access to experienced underwriting decision-makers with local authority. Deeply specialized worldwide risk engineering capabilities helps clients identify and reduce their exposure to loss. A true business continuity partner provides outstanding worldwide catastrophe claims expertise clients can count on when disaster strikes. Unparalleled multinational proposition for businesses of all types and sizes. LEARN MORE KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

8 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) HELPING BROKERS MEET THE PERSONAL AND GROUP INSURANCE NEEDS OF THEIR CLIENTS HEADLINES Underwriting Expertise & Healthy Risk Appetite. Broad Product Availability. Deep Affinity Relationships. Stellar Claims Service. Global direct marketing infrastructure. KEY SECTORS Mobile carriers. Consumer electronics manufacturers. Personal computer makers. Financial services firms. Home appliance and HVAC manufacturers. Retailers. C-level executives. High Net Worth Individuals. Family Offices. Individual and Group Travel. Benefit and Property Casualty Brokers. Affinity Groups, Schools/Universities. Life, Health, and Disability. Retirement. LEARN MORE AIG ADVANTAGE Broad portfolio of personal and life insurance products, available through multiple distribution channels. AIG develops, underwrites, markets and administers service programs for many of the world s largest, most respected companies. It provides flexible, innovative, and highly-customized service program solutions to meet their business needs. Global Service Programs operates in more than 70 markets around the world. Progressive platform capabilities to help clients simplify their employee benefit administration. Product development focused on affordable solutions for consumers evolving needs. Industry leading customer service standards. Global Customer Contact Centers with end-to-end service capabilities. AIG Travel works with marquee clients worldwide to provide customized travel insurance plans, emergency travel services, travel medical assistance, security and risk management services, and customized call center solutions for their employees and customers. KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

9 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) GLOBAL REACH, COMPETITIVE CAPACITY AND INDUSTRY EXPERTISE FOR ENERGY AND ENGINEERED RISKS HEADLINES Available limits up to US$1 bn for onshore operational property risks. Available limits of US$250 mn capacity for Oil Rig (upstream E&P). US$250MM Probably Maximum Loss (PML) capacity available for Construction risks. Significant catastrophe capacity available worldwide. Experienced team of global underwriters. Broad risk appetite. Deeply specialized loss prevention engineering services. KEY SECTORS Oil and Petrochemicals (mid and downstream). Power Generation and Utilities. Chemicals and pharmaceuticals. Mining and Related Industries. Oil Rig (upstream exploration and production). Construction. LEARN MORE AIG ADVANTAGE Global, uniform stable capacity. Worldwide reach, multinational capabilities, including Captive Management and Alternative Risk Solutions. Specialist engineering teams positioned globally. Experienced claims team able to handle major energy losses. KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

10 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) SOLUTIONS FROM AN AWARD-WINNING ENVIRONMENTAL LIABILITY INSURER HEADLINES Global environmental capacity of US$50 mn dedicated environmental employees in more than 35 offices around the world. Largest and most experienced environmental claims specialist team with approximately 90 dedicated professionals. Diverse environmental product offerings worldwide including Pollution Legal Liability (PLL), EnviroPro, Contractors Pollution Liability (CPL), Contractors and Professional Services Liability (COPS), and Supplemental Environmental Automobile Liability (SEAL ). Market-leading environmental casualty product offerings in the United States and Canada including Environmental and General Liability Exposures (EAGLE) Program, Professional Package (PROPAC), Commercial Excess Follow Form (CEFF), and Commercial Automobile Liability. Unmatched PIER (Pollution Incident and Environmental Response) network to help clients resume normal operations and minimize clean-up costs. AIG ADVANTAGE Brokers and clients supported by the largest, most experienced underwriting and claims handling organization in the industry backed by more than three decades of experience underwriting environmental risks. International footprint to service fully compliant multinational programs local market expertise, local insurance practices, local environmental laws, regulations, and coverage requirements. Access to a truly global network with dedicated environmental professionals in offices located around the world. KEY SECTORS Manufacturing. Healthcare. Hospitality. Transportation and Logistics. Waste Management. Real Estate. Energy. LEARN MORE KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

11 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) MARKET-LEADING PRODUCTS FROM A WORLD LEADING FINANCIAL LINES INSURER HEADLINES Awarded Innovation of the Year for the Halliburton Event Study Endorsement, Best Management Liability Claims Handler and Management Liability Insurer, and Best Cyber Insurer and Service Vendor by Advisen at its 2014 Management Liability and 2015 Cyber Liability Awards. Co-located claims and underwriting teams to efficiently adapt and grow with clients as they realize future opportunities and increase revenue, exposure, or complexity. First D&O Liability insurance carrier in the market to offer up to US$100mn in global Side-A D&O capacity. Trusted partner of more than 20 million individuals and some of the largest global companies to help them stay ahead of the curve of the next cyber breach. KEY SECTORS Management Liability. Directors and Officers Liability. Cyber Liability. -Crime. - Employment Practices Liability. Pension Trust Liability. Kidnap and Ransom. Professional Liability. -Cyber - Liability. Architects and Engineers. Miscellaneous Professional Services. Representations and Warranties. Customer Segments. -Multinational - Organizations. Public and Private Companies. -Non-Profit - Entities. -Financial - Institutions. Geographies. Americas. EMEA. Asia Pacific. LEARN MORE AIG ADVANTAGE Co-located and long-tenured underwriting and claims teams. Global underwriting capacity combined with the robust risk appetite and financial strength needed to address emerging and challenging exposures. Market-leading, forward-looking products and services tailored to protect clients as their operations change and risks evolve. Responsive underwriting, loss prevention, and claims teams to react quickly and give guidance when needed, from assessing needs through processing claims. A committed partner for the long-term, no matter how challenging the environment or risk. KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

12 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) TAILORED AUTO COVERAGE FROM SPECIALIST FLEET UNDERWRITERS HEADLINES Dedicated claims specialists. A dedicated management team covering underwriting and loss control. KEY SECTORS Non-conventional placements. U.S. and Pan-European motor fleets. Pro-active risk managed exposures. AIG ADVANTAGE Ability to design products for specific client needs with full understanding of local markets and regulations to maximize acquisition and retention. Access to a network of loss control engineers through the world with expertise in loss prevention, safety legislation, risk management and mitigation. Our multinational capabilities are unrivalled in terms of size and scope. LEARN MORE KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

13 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) ALTERNATIVE RISK: NON-TRADITIONAL SOLUTIONS TO UNIQUE RISKS HEADLINES Global fronting programs throughout the world that insure virtually all types of risk, while enabling clients to retain some or all of the risk. Innovative programs to transfer risks that are complex, unusual, and/or difficult to insure. Flexibility to insure almost all lines of business. Technical expertise to cover risks for which there is no conventional insurance market. Full range of captive management services. Rent-A-Captives through AIG s cell captive facilities provide simple, cost-effective risk retention solutions. Superior servicing and claims handling, reporting, and management. AIG ADVANTAGE 50+ years of providing global captive fronting solutions leveraging AIG s network of owned operations in over 90 countries, supported as required by local insurance partners. 20+ years delivering non-traditional solutions to our clients unique risks, using innovative structured (re)insurance solutions. A market leader providing non-traditional insurance and reinsurance solutions. Unique deal team culture bringing together underwriters, actuaries, accountants, credit officers, claims professionals, and operational specialists. A history of partnering with clients to truly understand their business needs to provide innovative risk transfer and risk financing solutions. In-depth knowledge and advice on programs, coverage and regulations. Extensive product customization ability. Full access to AIG s multinational policy issuance capabilities and expertise controlling multi-currency cash flows. KEY SECTORS Multinationals. Large Commercial. Financial Institutions. Growing Middle Market Companies. LEARN MORE KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

14 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) SURPLUS LINES COVERAGE TO HELP BROKERS MEET THEIR CLIENT S RISK CHALLENGES TODAY AND TOMORROW. HEADLINES Lexington Insurance Company, an AIG company, is the leading U.S.- based surplus lines insurer and is an industry leader in property, casualty, healthcare, financial lines, personal lines, and program insurance. Lexington has been a recipient of many awards and honors over the past few years, including the 2015 Business Insurance Innovation Award in conjunction with AIG Aerospace, the 2013 Business Insurance Innovation Award, the 2012 Best s Review: Innovators Showcase, and the 2010 Business Insurance Readers Choice Award for Best Surplus Lines Insurer. KEY SECTORS Lexington s expertise spans many industries segments within the property casualty market, including: Real Estate. Construction. Higher Education. Healthcare. Energy. Public Entity. Transportation. Product Liability. LEARN MORE AIG ADVANTAGE Broad, non-admitted underwriting capabilities that provide our customers with exceptional flexibility of rate and form across a wide range of exposures. Clients also benefit from ready access to the market-leading products and services of AIG. A spirit of innovation, which is at the core of Lexington s operating principals. As part of our efforts to develop new products and respond quickly to emerging market needs, we have launched over 100 new Lexington products and services generating over $2 bn in gross written premium from 2006 to Proven integrity, underwriting talent, and industry knowledge are characteristics of each of the approximately 1000 employees in the Lexington profit center. With roots dating fifty years, Lexington is able to deliver highly customized solutions to insureds of a wide range of sizes and industry segments. Our risk management services bring specialized skills and experience to mitigate hard-to-place exposures. Our claims operations provide clients unparalleled depth and commitment to service, and the development of key industry practice groups has created a proliferation of innovation. KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

15 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) A LEADING GLOBAL MARINE INSURER HEADLINES For over 90 years, we have been one of the world s leading providers of marine insurance for importers, exporters, vessel owners/operators, as well as inland marine, recreational marine, and marine operations worldwide. We have marine offices in more than 50 countries and the ability to transact business in 90+ countries. We offer a full-range of comprehensive marine and inland marine product offerings. KEY SECTORS Marine Cargo. Marine Liability. Hull and Protection and Indemnity (P&I). Recreational Marine Insurance. Inland Marine. AIG ADVANTAGE Underwriting, loss control, claims, and recovery services provided by marine specialists globally. Flexible programs, tailored for client needs including alternative risk management solutions. High quality coverage for multinational risks, including locally admitted policies. One of the few truly global marine insurers who provides local service. Unmatched capacity for all marine risks. LEARN MORE KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

16 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) POLITICAL RISK INSURANCE: FLEXIBILITY, STABILITY AND EXPERIENCE ON YOUR SIDE HEADLINES We are a committed provider of political risk insurance with a 35 year record of underwriting and claims payments. AIG has the market s longest continuing political risk reinsurance treaty. With a long-established global network that today spans more than 200 countries worldwide, we are there when and where our clients need us. From economists to attorneys to claims negotiators, AIG puts at your disposal the local experts needed to mitigate political risk-related losses the world over. We were the first private insurer to be part of the Berne Union, the premier international organization for the global export credit and investment insurance industry. KEY SECTORS Manufacturing: heavy industry, chemicals, food and beverage, and others. Construction. Mining. Oil and Gas. Agricultural Production. Defense. Telecommunications. Wholesale/Retail. LEARN MORE AIG ADVANTAGE We offer non-cancelable policy terms up to 15 years with industry-leading limits up to US$150 mn available for a single risk. Limits can also be provided in Euro, Pound, or Yen. We have dedicated political risk underwriters conveniently located in New York, Chicago, San Francisco, Toronto, London, Sydney, Tokyo, and Singapore and are ready to put our global network, relationships, and expertise to work for you. We have the local knowledge to help clients resolve problems before they escalate and the in-country resources and relationships to resolve claims expeditiously when they do erupt. Whether a company s overseas property, income, or assets are threatened by foreign government action or inaction, political uprising, currency inconvertibility and non-transfer, or government default, we can help. KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

17 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) OUTSTANDING VALUE AND PROTECTION IN THE FORM OF MULTI-LINE PROGRAM INSURANCE SOLUTIONS FOR SMALL AND MID-SIZED BUSINESSES HEADLINES Over 50 years of leadership in the Program space. Electronic data transmission. Market-leading protection for customers with broad coverages and support service capabilities. Extensive product and portfolio underwriting expertise for a variety of businesses. KEY SECTORS Retail. Professional and Financial Offices. Healthcare. Hospitality. Education facilities. Technology, Media, and Entertainment. Condo/Office Buildings. LEARN MORE AIG ADVANTAGE AIG is a leading underwriter of multiline program business in the U.S. through its network of Program Administrators, with a broad appetite and vast range of programs available on an admitted and non-admitted basis. Outstanding breadth of coverage and support services helping brokers win and retain clients. Delivering value to our customers, protecting their balance sheets with customer and industry segment specific packages designed around their specific insurance needs. We strengthen brokers programs and products management capabilities by working with them to build insurance packages for target business sectors. KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

18 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) A LEADING INSURER IN INTERNATIONAL SURETY HEADLINES A surety leader for more than 70 years. Relationships with nearly all major international leading ENR clients. Flexibility and ability to consider risks up to seven years duration. Significant capacity available for qualified accounts and able to put difficult deals together in the market. Work with local as well as international brokers. 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). Infrastructure. Telecommunications. Support Services. Transportation. AIG ADVANTAGE Expertise to address complex transactions and put difficult deals together in the market. Solutions oriented looking for ways to get things done within core client base. Ability to communicate and review documentation in many languages, including English, Spanish, Italian, Chinese and Portuguese. Unparalleled global representation. LEARN MORE KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

19 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) EXCELLENCE AND INNOVATION IN TRADE CREDIT INSURANCE HEADLINES 35 years of helping companies increase their sales and manage their working capital. We offer a full-range of products including excess of loss coverage featuring non-cancellable limits. We have underwriting offices in 16 countries and are licensed to write trade credit insurance in over 65 countries worldwide. KEY SECTORS Leaders in their field, across multiple industries who have a professional approach to credit risk management. Typically look at accounts with US$50 mn to $2 bn in annual sales. Businesses with an international footprint. AIG ADVANTAGE Our experienced and skilled, local underwriting teams and policy servicing capabilities, recognized for their industry excellence by leading trade publications since 2009, are supported by our globally owned network of operations serving customers in 100 countries and jurisdictions. We provide clients with flexible program structures to allow a high level of autonomy when granting customers credit. We offer discounted debt collection services through a third-party agency. Our Global Limits Online Policy Management System allows clients to apply for credit limits, review coverage, and access macroeconomic data anytime and from anywhere. LEARN MORE KEY LINES OF BUSINESS: AEROSPACE AIG MULTINATIONAL CASUALTY COMMERCIAL PROPERTY CONSUMER INSURANCE ENERGY & ENGINEERED RISK ENVIRONMENTAL FINANCIAL LINES FLEET/MOTOR ALTERNATIVE RISK LEXINGTON INSURANCE MARINE POLITICAL RISK PROGRAMS SURETY TRADE CREDIT

20 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) INDUSTRY PRACTICE GROUPS AIG s Industry Practice Groups deliver comprehensive solutions for the multifaceted needs of our key brokers and clients. By aligning our multidisciplinary resources around specific industries, we bring a cohesive, focused approach and make it easy for you to access our industry experts and deep industry knowledge. INNOVATION & EXPERTISE Our Industry Practice Groups provide deep technical expertise and specialized underwriting, claims, engineering, and loss control services for targeted industries. Within each group, industry experts stand ready to collaborate with you and your clients to address emerging industry trends around the globe... and create innovative solutions that keep your clients out in front of rapidly changing exposures.

21 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) TRANSPORTATION > CONSTRUCTION > EDUCATION > INDUSTRY PRACTICE GROUPS ENERGY > HEALTHCARE > HOSPITALITY & LEISURE > PUBLIC ENTITY > REAL ESTATE >

22 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) COMPREHENSIVE COVERAGE SOLUTIONS FROM SEASONED TRANSPORTATION PROFESSIONALS From trucking companies big and small to airlines and mass transit, our transportation team works with clients to design comprehensive programs that avoid gaps in coverage, minimize potential sources of loss, and limit claim exposures. HEADLINES Our team of transportation industry veterans provides specialized loss control expertise in fleet management, safety, and regulatory compliance. Value-added services to evaluate and recommend costeffective and measurable methods to help reduce loss costs and improve safety, compliance, and operational efficiency. Unparalleled claims handling services, with two decades of experience in transportation claims, committed to fast, cost-efficient resolution. Broad underwriting expertise and appetite for a full spectrum of transportation risks delivered by a network of dedicated underwriters. AIG s Medical Management Services promote better workers compensation outcomes that can ultimately return employees to work faster and lower overall claims costs. KEY SECTORS Common, contract, and private fleets: truckload, less-than-truckload, dry and liquid tank, flatbed, heavy haul, intermodal, oilfield, brokerage, passenger carrying, waste haulers (excluding residential garbage). Railroads and aviation risks. LEARN MORE AIG ADVANTAGE Value-added risk control services designed for the transportation industry include our exclusive CSA analysis tool; benchmarking and trending analysis; driver recruitment, selection, and retention best practices; RiskTool Advantage ; and more. Clients have access to experts in fleet management, safety, and regulatory compliance and benefit from our partnerships with industry-leading telematics and safety training providers. Dedicated claims handling provides high level litigation management support and crisis management services including our PIER program for expertise and services in the event of a pollution or environmental incident. Our broad array of coverage offerings includes non-admitted and admitted solutions for Motor Truck Cargo Liability and Physical Damage. Coverage enhancements that are consistently evolving to meet the needs of the industry, such as identity misrepresentation coverage on Motor Truck Cargo and PLL Transportation and Logistics Protect environmental coverage. INDUSTRY PRACTICE GROUPS (IPG): TRANSPORTATION CONSTRUCTION EDUCATION ENERGY HEALTHCARE HOSPITALITY & LEISURE PUBLIC ENTITY REAL ESTATE

23 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) A COLLABORATIVE APPROACH TO COMPREHENSIVE PROGRAMS FOR OUR CONSTRUCTION CLIENTS Building off our decades of extensive industry experience, our teams of construction-dedicated professionals assist our clients in structuring the insurance programs they need; putting in place sound loss mitigation practices; and handling the smallest to the most intricate, large-scale claims. HEADLINES Over 50 years experience insuring some of the most complex industrial, commercial, civil, and infrastructure projects. A seasoned understanding of workers compensation and innovative technologies and services that help improve claims outcomes and worker safety. Extensive capabilities and expertise to help simplify the complexity of multinational projects for our U.S.-based clients. A global team of highly-skilled loss prevention consultants and engineers who understand hazards unique to construction operations and the improvement of relevant management systems. An unparalleled global claims network with one of the largest and most specialized in-house construction claims departments. KEY SECTORS Public private partnerships. Infrastructure projects. General contractors. Subcontractors. Multinational contractors. AIG ADVANTAGE Unmatched underwriting, risk consulting, and claims data harnessed to develop keen insights on the risks facing the industry and how best to mitigate them. Dedicated underwriting, delivering turn key solutions with one point of contact to address all capacity needs of our clients. Unwavering ability and dedication to utilizing significant capacity as a benefit to our clients. A focus on customer-centricity and thought leadership, leveraging our collaborative platforms and partnerships to educate and benefit our customers. Proven engineering methods help identify risks associated with design deficiencies, ground preparation, mechanical completion, fire protection, and testing and commissioning. Dedicated construction claims professionals draw on local, first-hand knowledge of forms, business practices, and legal and regulatory issues to deliver prompt claims service. Designated client services and expertise to ensure a streamlined account approach for our construction clients throughout the lifecycle of their projects. A strategic alignment with our Energy practice to support clients with turn key solutions, comprehensive coverage, and expertise to address their construction project needs. LEARN MORE INDUSTRY PRACTICE GROUPS (IPG): TRANSPORTATION CONSTRUCTION EDUCATION ENERGY HEALTHCARE HOSPITALITY & LEISURE PUBLIC ENTITY REAL ESTATE

24 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) DEDICATED TO BEING AT THE FOREFRONT OF MANAGING RISKS FACING THE EDUCATION INDUSTRY We offer a customized insurance and risk management approach through our nationwide network of underwriters and loss control and claims experts who specialize in protecting the risks faced by education institutions. HEADLINES Growing portfolio for AIG as educational institutions realize benefits of our comprehensive coverages, expertise of our risk control teams and vast array of tools and resources, and dedicated claims handling services. Broad product offering to address the myriad risks of education institutions. Cross-discipline expertise to provide solutions for construction, healthcare, transportation, real estate, and hospitality exposures. Multinational capabilities to address growing global education networks. Over 25 years claims expertise, with a long term commitment to collaborative claims management. Our comprehensive loss control programs combine the extensive knowledge and resources of our internal staff (over two decades of consulting expertise) with the expertise of national consulting groups specializing in enterprise risk management, security, crisis management, property protection, emergency planning, and environmental and administration safety. KEY SECTORS Universities. Colleges. Junior colleges. K-12 school systems. Boarding schools. Trade schools. Nurseries/pre-schools. LEARN MORE AIG ADVANTAGE Admitted and non-admitted coverage capabilities, with market-leading property capacity. Industry-specific enhancements and endorsements including HELP International Catastrophe, Evacuation Response coverage, Lex WildfireSmoke, Law and Ordinance Upgrade coverage, PLL Campus Protect. CrisisResponse endorsement providing funds and expertise to expeditiously handle a public relations event and prevent reputational harm. Focusing on preventing loss from occurring in the first place and mitigating losses that do occur, our risk consulting and engineering service groups continuously invests in new software, systems, planning tools, and more to ensure we are best positioned to deliver cutting edge products and solutions. RiskTool Advantage a complimentary, web-based loss control application that provides an easy-to-use platform for helping to manage exposures and accessing industry-specific risk management tools (i.e. web-based training materials, audits, program templates, regulatory compliance assistance, etc.). PIER (Pollution Incident and Environmental Response) provides 24/7 access to crisis management specialists and subcontractors that respond to and help mitigate environmental incidents, such as spills, leaks, fires, and explosions. INDUSTRY PRACTICE GROUPS (IPG): TRANSPORTATION CONSTRUCTION EDUCATION ENERGY HEALTHCARE HOSPITALITY & LEISURE PUBLIC ENTITY REAL ESTATE

25 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) COMBINING IN-DEPTH INDUSTRY EXPERTISE WITH OUTSTANDING GLOBAL CAPABILITIES TO THE ENERGY INDUSTRY AIG s Energy Practice provides a comprehensive array of tailor-made insurance and alternative risk solutions to oil and gas, power generation, chemical, and mining companies worldwide. Our insureds range from the largest multinational businesses to locally-owned independent companies, and they span the globe. We leverage our risk evaluation experience, industry insight, best practices, and lessons learned to deliver superior value in product, service, and value innovation. HEADLINES Over 30 years experience serving the energy industry, with a by-sector focus on oil and gas, power generation, chemical, and mining. Comprehensive, long-standing coverages, complemented by innovative, tailored account-specific enhancements. Dedicated claims teams that understand each sector s risks and business. Risk consulting and engineering services from industry experts and proven leaders whose knowledge and experience have established AIG as a leader in providing risk control and engineering services. The long-tail, catastrophic nature of the energy industry s exposure makes the financial strength and experience of AIG imperative. KEY SECTORS Oil and gas. Power generation and utilities. Chemical. Mining. LEARN MORE AIG ADVANTAGE Coverage flexibility and creativity to custom fit client-specific needs. Focused underwriters with a broad appetite, expertise, and flexibility to offer unique collaborative solutions to complex problems. Comprehensive Kidnap, Ransom, and Extortion insurance coverage to help protect energy companies conducting exploratory work against the financial loss that can arise when an employee is seized or detained for ransom or in the face of extortion. In-house specialized claims service professionals and access to crisis management tools including IntelliRisk. Risk consulting services evaluate client risks, recommend cost-effective and measurable methods to manage exposures and trends, and improve operational and safety efficiencies. Innovative risk consulting tools with information and resources specific to the energy industry, including RiskTool Advantage, CyberEdge RiskTool, PIER (Pollution Incident and Environmental Response), and Autoshun. Dedicated client services and expertise to ensure a streamlined account approach for our energy clients throughout the lifecycle of their projects and operations, from construction to operation. A strategic alignment with our Construction practice to support energy clients with turn key solutions, comprehensive coverage, and expertise to address their construction project needs. INDUSTRY PRACTICE GROUPS (IPG): TRANSPORTATION CONSTRUCTION EDUCATION ENERGY HEALTHCARE HOSPITALITY & LEISURE PUBLIC ENTITY REAL ESTATE

26 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) PROVIDING FLEXIBLE COVERAGE SOLUTIONS AND LEADING PATIENT SAFETY CONSULTING SERVICES TO THE HEALTHCARE SECTOR We have been serving the healthcare industry consistently for over 40 years, providing the evolving market with broad, flexible coverage solutions, leading patient safety consulting services, continuous research and development in patient safety, and specialized claims investigation and resolution services. HEADLINES We are in tune with the ever changing healthcare landscape staying abreast of trends and changes and evolving our services to meet the needs of healthcare providers. Services provided by industry veterans with dedicated expertise whether an underwriter, patient safety consultant, or claims handler. A commitment to prevention and patient safety, including a new suite of patient safety consulting services available exclusively to clients at no additional cost. Experienced patient safety consulting teams averaging over 20 years experience in healthcare roles with advanced degrees and a multitude of certifications. Broad, flexible coverage solutions addressing the myriad needs of the industry from medical malpractice to property to D&O. KEY SECTORS Hospitals and physician groups. Miscellaneous facilities including: home healthcare; imaging centers: X-ray, MRI, PET CT (positron emission tomography computed tomography); EMT/ ambulances; medical laboratories; allied health schools; outpatient primary care/ urgent care centers; ambulatory surgery centers (ASCs); medical rehabilitation facilities. Senior care including: skilled nursing and assisted living. Life sciences including: generic pharmaceuticals; medical device manufacturers or distributors; nutraceuticals; consumer healthcare products (OTC, durable medical products); OTC and encapsulation. AIG ADVANTAGE Patient safety consulting services committed to establishing exclusive best practice assessments, assistance with improving results for publically reported data, and patient safety culture survey consulting. Consulting services are provided by our dedicated team of industry veterans who have over 20 years experience and hold advanced degrees in medicine and healthcare as well as specialized certifications including CPHRM and infection control. Ongoing research on patient safety and hospital risk, with our latest research published in a white paper report. Over 40 years experience providing continuous, flexible coverage solutions. Proven claims handling expertise, with dedicated birth trauma, catastrophic injury, and elder care specialty counsels. Technical staff of over 60 members dedicated solely to healthcare-related claims; our professionals average more than 20 years of industry experience and include attorneys and clinicians. LEARN MORE INDUSTRY PRACTICE GROUPS (IPG): TRANSPORTATION CONSTRUCTION EDUCATION ENERGY HEALTHCARE HOSPITALITY & LEISURE PUBLIC ENTITY REAL ESTATE

27 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) COMPREHENSIVE SOLUTIONS DEVELOPED FOR THE EVER-CHANGING RISKS OF THE HOSPITALITY & LEISURE INDUSTRY We are trusted partners of the hospitality and leisure industry, a market-centric resource for insight, flexibility, and expertise to identify risks and respond to the ongoing exposures our clients face on a daily basis. HEADLINES A market leader of products and services for the global hospitality and leisure industry for over 25 years. Industry veterans with first hand risk management experience. A broad array of resources for hospitality and leisure risk management professionals. Our designated claims team has extensive experience and is led by hospitality and leisure claims experts. H&L-focused risk consulting and engineering service groups work with clients to identify, assess, and mitigate risks and provide specialized services in property protection to help our clients maintain their business continuity. KEY SECTORS Hotels/hotel REITS. Amusement and theme parks. Casinos. Cruise lines. Restaurants/night clubs. Resorts/spas. Professional sports. Entertainment/film. AIG ADVANTAGE We offer specialized coverage and resources to the industry, including: Hospitality and leisure crisis response. -XSEnhanced - : Hotel conveniently offers hotel-specific coverage enhancements in a single endorsement. -CyberEdge - PC SM : first-of-its kind excess difference-in-conditions cyber insurance. Risk consulting and engineering services focus on global security, crisis management and response, special events, ergonomics, and training. Additional value-added services include whitepapers, seminars, webcasts, RiskTool Advantage, PIER program, Autoshun, and more. Customized industry-specific expertise and opportunities for hands-on risk management learning, such as webinars, symposiums, whitepapers, and more, collaborating with our broker partners to ensure insureds, risk management portfolios are complete. LEARN MORE INDUSTRY PRACTICE GROUPS (IPG): TRANSPORTATION CONSTRUCTION EDUCATION ENERGY HEALTHCARE HOSPITALITY & LEISURE PUBLIC ENTITY REAL ESTATE

28 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) AN INTEGRATED SERVICE PLATFORM APPROACH TO SEAMLESSLY ADDRESS THE EXTENSIVE EXPOSURES FACING PUBLIC ENTITIES Our broad selection of multi-line insurance products and services help public entities address the extensive exposures they face. Public entities benefit from an integrated service platform that provides seamless access to the capacity, expertise, and economies of scale that have made us a market leader. HEADLINES A leading underwriter of public entities in the U.S. Market-leading property capacity paired with a broad risk appetite and flexibility of coverage and retention levels. Innovative coverage enhancements includinglexington s Unmanned Aircraft Liability Coverage Extension. Dedicated team of claims professionals to ensure clients peace of mind. World class loss prevention and engineering capabilities including a full suite of highly protected risk services. Loss prevention and engineering service teams who are experienced in the public entity space work with clients to identify, assess, and mitigate risks and provide specialized services in property protection and to help our clients maintain their business continuity. KEY SECTORS Governmental organizations including municipalities, counties, state governmental agencies, and joint power authorities (JPAs). Educational institutions including K-12 schools, community colleges, and state colleges oruniversities. Not-for-profit school, governmental, and religious organizations may be considered. AIG ADVANTAGE A comprehensive and integrated approach with the expertise, flexibility, financial strength, and capacity of AIG. Flexibility to provide policies on admitted and non-admitted basis to match clients needs. CrisisResponse /PublicResponse coverage provides coverage for public relations expenses and media management services for the purpose of maintaining and restoring public confidence after a crisis event. Responsive and exceptional in-house claims operation provides unparalleled experience, litigation solutions, and claims management resources. Support comes from a department of over 700 claims professionals, including a seasoned team of complex claims directors. Dedicated risk consulting services designed specifically for the risks faced by public entities including construction, industrial hygiene, municipal motor fleets, worker safety, and more. Value-added tools and resources include RiskTool Advantage, PIER (Pollution Incident and Environmental Response), CyberEdge RiskTool, and Autoshun. LEARN MORE INDUSTRY PRACTICE GROUPS (IPG): TRANSPORTATION CONSTRUCTION EDUCATION ENERGY HEALTHCARE HOSPITALITY & LEISURE PUBLIC ENTITY REAL ESTATE

29 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) INTRODUCTION INDUSTRY PRACTICE GROUPS (IPG) UNDERWRITING, CLAIMS, AND LOSS CONTROL EXPERTISE TO SERVE THE VARIED NEEDS OF THE REAL ESTATE INDUSTRY Our team of designated underwriters, claims handlers, and loss control consultants work hand-in-hand to provide clients with a wide range of tools, programs, and best practices to help control the specific risks of the real estate industry. HEADLINES We have over 40 years experience underwriting real estate solutions. We are a market leader in providing products and services for the real estateindustry. We offer customized client portfolio opportunities with the capacity to insure globally. We offer a broad array of resources for real estate risk management professionals. Risk consulting and engineering service groups are experienced in the real estate and retail industries, working with clients property in property protection and to help our clients maintain their business continuity. KEY SECTORS REITs. Mixed use properties. Habitational/condo/multi-family. Office/warehouse/industrial complexes. Commercial real estate. Shopping centers/malls. AIG ADVANTAGE Specialized coverage and resources to the industry, including: -XSEnhanced - : Real Estate and XSEnhanced: Hotel coverage enhancements to address concerns specific to the industry. -CyberEdge - PC SM first-of-its kind excess difference-in-conditions cyber insurance. Green Reputation additional coverage for crisis management and defense costs for green buildings. Risk consulting and engineering services focus on global security, crisis management and response, special events, ergonomics, and training. Additional value-added services include whitepapers, seminars, webcasts, and in-house training in conjunction with our broker partners, RiskTool Advantage, PIER program, Autoshun, and more. LEARN MORE INDUSTRY PRACTICE GROUPS (IPG): TRANSPORTATION CONSTRUCTION EDUCATION ENERGY HEALTHCARE HOSPITALITY & LEISURE PUBLIC ENTITY REAL ESTATE

30 Northeast Zone Contacts page 1 of 3 Zonal Management Aerospace Broker Engagement cont. Broker Engagement cont. Benefit Solutions - cont. Ron Willett Zonal President Northeast Zone 99 High Street Boston, MA [email protected] Jonathan Monks Managing Director New York City 32 Old Slip New York, NY [email protected] Rich Alonso Managing Director Long Island 2 Jericho Plaza Jericho, NY [email protected] Greg Penko Managing Director New Jersey 100 Connell Drive Berkeley Heights, NJ [email protected] Tom Allen Managing Director Boston 99 High Street Boston, MA [email protected] Nanette Hatch Managing Director Albany Office [email protected] T.J. Bartos VP / Zonal Underwriting Manager Northeast [email protected] Alternative Risk David Valzania Head of Multinational Alternative Risk Americas Executive [email protected] Robert Gagliardi Senior Vice President, Global Director Captive Management [email protected] Broker Engagement Bob Tobin Sr. Business Development Director Long Island [email protected] Mark Cenit AVP, NYC [email protected] Khaleedah Francis Business Development Manager, NJ [email protected] John Kwiatkoski Business Development Director, NJ [email protected] Suzanne Jackowski Business Development Director Metro Boston & Rhode Island [email protected] Greg Steffon Business Development Director Metro Boston / Western Mass / CT [email protected] Brooks Chamberlin Sr. Business Development Manager Metro Boston, North / NH / ME [email protected] Michael Kelly Business Development Director, Wholesale & Alternative Distribution Boston [email protected] Karen Ryan Sr. Business Development Manager Western NY [email protected] Jennifer Feher Business Development Manager Hudson River Valley / VT [email protected] James Riviezzo Business Development Director NYC [email protected] Paul Komar Business Development Director NYC [email protected] Denise Campbell Business Development Manager NYC [email protected] Lauren O Connell Marketing Assistant NYC / NJ / LI [email protected] Christie Ryder Marketing Analyst Boston [email protected] Jim Iervolino Business Development Director NJ/ Westchester, NY / CT [email protected] Benefit Solutions Evan Pietrangelo, VBC Regional Sales Director, Voluntary Practices [email protected] Sean Smith BSG Business Development [email protected] JM Spagnuolo Regional Sales Director, Core Life and Disability [email protected] Mike Ashack National Sales Director / Taft Hartley [email protected] Tom Doering Zonal VP, Accident [email protected] Joe Donahue National Account Executive, Voluntary Benefits Sales [email protected] Gina Ferraro Consumer Zonal Executive [email protected] Brad Galiney SVP, Distribution / Head of Distribution [email protected] Bob Hosler National Sales Director / Captives [email protected] Jeff Meyer Head of Sales, Stop Loss / Organ Transplant / Captives [email protected]

31 Northeast Zone Contacts page 2 of 3 Benefit Solutions continued Casualty continued Client Engagement cont. Excess & Surplus Lines cont. Excess & Surplus Lines cont. Alison Murphy Consumer Zonal Executive [email protected] Dan Palermino Head of Sales, Core Life and Disability [email protected] Rocky Pearce Head of Sales, Higher Education ext.135 [email protected] Jeff Ray Head of Sales, Affinity Sales / Direct Marketing [email protected] Frank Scalia Head of Sales, Accident [email protected] Rick Wilcox Head of Account Management & Sales Operations [email protected] Mike Zarrillo Head of Voluntary Practices / Head of Business Development [email protected] Casualty Chris Tanoff Zonal Casualty Manager, NYC / NJ / LI [email protected] Chris Webster Zonal Casualty Manager Boston & Albany [email protected] Claims Michael Houlden Zonal Claims Executive Northeast [email protected] Client Engagement Paul Feuerbach Executive Client Director Boston & Albany [email protected] Matt Thompson Executive Client Director NYC / NJ / LI [email protected] Russell Caminske Executive Client Director NYC / NJ / LI [email protected] Aaron Coby Client Director Boston & Albany [email protected] Brian Pushic Client Director NYC / NJ / LI [email protected] Gwen Ulijasz Client Director NYC / NJ / LI [email protected] Environmental David Montplaisir Zonal Underwriting Manager Boston & Albany [email protected] Lou Paglione Mid Atlantic Zonal Underwriting Manager, Environmental Casualty Boston [email protected] Nathaniel Martin Mid Atlantic Zonal Underwriting Manager, Environmental Casualty NYC / NJ / LI [email protected] Excess & Surplus Lines Rick Taute Sr. VP, Zonal Executive & Program Development Executive RSCIA Boston [email protected] Craig Pasquantonio Casualty Underwriting Manager RSCIA Boston [email protected] Allison Warmuth Team Leader RSCIA Healthcare, Boston [email protected] Ginger Schultz Healthcare, Property RSCIA NYC / NJ / LI [email protected] Roy Tucker Zonal Property Underwriting Manager RSCIA, NYC/ NJ / LI [email protected] Debbie Morris Sr. VP & Zonal Executive RSCIA NYC / NJ / LI [email protected] Jeffery T. Miller ALM, CPCU, AU Lexington Insurance, Member of AIG VP Head of Property, Non-Admitted Personal Lines, Boston [email protected] Jim Crain CPCU, Lexington Insurance, Member of AIG, Sr. VP, Non-Admitted Personal Lines Boston [email protected] Gail Colon AVP, National Underwriting Manager RSCIA, Non-Admitted Personal Lines [email protected] Financial Lines Steve Maggiacomo Financial Lines Zonal Executive Boston & Albany [email protected] Ray Santiago Financial Lines Zonal Executive NYC / NJ / LI [email protected] Marine Michael J. Bodman SVP, Global Director Captive Management, Northeast [email protected] Multinational David Valzania Head of Multinational and Alternative Risk Americas [email protected] Robert Gagliardi Senior Vice President, Global Director, Captive Management [email protected]

32 Northeast Zone Contacts page 3 of 3 Multinational Private Client Group cont. Private Client Group cont. Property Trade Credit continued Brian McNamara Head of Complex Accounts Americas [email protected] Political Risk Francisco Cuevas VP, Northeast [email protected] Private Client Group Alex Gargano Zone Executive [email protected] Lisa Brannigan Regional Marketing Manager CT, Westchester NY, VT, NH, MA, ME [email protected] Michael DeMeo Regional Marketing Manager New York/Long Island [email protected] Robert Cirillo SVP, National Field Marketing [email protected] Naimish Patel SVP and Head of Property for North America [email protected] Fred Khoury SVP, Head of Auto and Casualty [email protected] Ron Fiamma Global Head of Private Collections [email protected] Sean Blue Global Head of Watercraft [email protected] Steve Poux SVP, Head of Risk Management Services and Loss Prevention [email protected] Pete Piotrowski SVP, Global Head of Private Client Group Claims [email protected] Carlo Crudele Chief Customer Officer Private Client Group (212) [email protected] Gina Ferraro Consumer Zonal Executive [email protected] Alison Murphy Consumer Zonal Executive [email protected] Program/Package Melissa Meserve AVP / Program Development Director NYC / NJ / LI [email protected] Jessica Ferguson AVP / Business Development Director Boston & Albany [email protected] Andrew Fellowes Zonal Underwriting Manager, Mid- Market Commercial Property, Northeast [email protected] Alex Todd Large Limit Leader, NYC / NJ / LI [email protected] Roy Tucker E & S Property Leader, Northeast [email protected] Michael Nardiello SVP, Zonal Property Executive, Northeast [email protected] Surety John Phinney Chief Underwriting Officer, Northeast [email protected] Trade Credit George Poon VP / Zonal Underwriting Manager NYC / NJ / LI [email protected] American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 100 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. Jennifer McCarthy Underwriting Manager, Boston & NY [email protected] Travel Nancy Mallek Sales Associate - Travel [email protected] Gina Ferraro Consumer Zonal Executive [email protected] Alison Murphy Consumer Zonal Executive [email protected] Warranty Dan Tafel VP, Global Development - Warranty [email protected] Gina Ferraro Consumer Zonal Executive [email protected] Alison Murphy Consumer Zonal Executive [email protected] Additional information about AIG can be found at YouTube: LinkedIn: AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds American International Group, Inc. All rights reserved. 10/15 SP431T

33 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) GLOBAL CAPACITY FROM AN AEROSPACE MARKET LEADER Industry expertise For over 65 years, we have been dedicated to addressing the insurance and risk management needs of the aerospace industry. Our deep understanding of all segments of aviation-related insurance dynamics makes us an extremely valuable long-term, strategic partner. Our technical expertise, safety and loss control services, global claims expertise, and extensive handling of major losses enables us to be a leading market provider of aviation insurance solutions. We have the global capacity and network to address virtually any aviation related risk. Products and Services Airlines: With tailored coverage available for most segments of the airline industry including scheduled airlines, regional airlines, charter airlines, cargo airlines, low cost carriers, public entities, and start-up airlines, AIG is well positioned to adequately protect a company s assets and support its position as a market leading airline. Aerospace Products Liability: AIG s dedicated products liability underwriting and claims teams understand the needs, technical aspects, and risks to which the customers in this segment are exposed. They have the ability to underwrite exposures ranging from parts distributors to major aircraft manufacturers, helping insureds to safeguard not only their financial stability but also their reputation when claims occur. Airports, Ground Handlers, and Service Providers Liability: AIG offers products and services tailored to cover the potential liabilities arising from the operation of an airport, private strip, or heliport, whether owned or operated, as well as the risk from ground handlers and service providers. Aviation Workers Compensation: AIG s underwriters have indepth knowledge of aviation operations which enables them to tailor supported and unsupported workers compensation and employers liability programs to the special needs of aviation and related industries. We provide a variety of program types that help companies control and reduce their overall costs, including: Guaranteed Cost Large Deductibles Retrospective Rating Plans We can further customize these programs to suit the needs of each insured with program enhancements which include Foreign Voluntary Compensation, Excess Repatriation, Stop Gap, Waiver of Subrogation, Voluntary Compensation coverage, and Federal coverages including USL&H and Maritime. Additionally, we have a dedicated division that specializes in writing Fixed Base Operators, Agricultural Sprayers, and Industrial Aid Accounts. With office locations all over the world, we are where you are. General Aviation: We provide cost-efficient, innovative programs and coverages to service the needs of commercial and corporate aviation operations, municipalities, non-owned aircraft, and light aviation risks, including individual aircraft owners and operators, certain classes of commercial business and non-air-carrier served airports, and aerial applicators. Our comprehensive aircraft policies, along with our expertise, creativity, and capacity enable us to address virtually any aviation-related risk. Space: Underwriting space business is a challenging endeavour. Our strong technical expertise comes from our understanding of the technical side of the manufacturing process and that enables us to deliver in this highly technical specialist class. AIG leads the market with our liability coverage, and we are one of few insurers in the market who are able to offer launch +3 year and launch +5 year policies, up to two years prior to launch. Our coverage is individually designed for each satellite. Coverage features include: Launch vehicle and spacecraft transit and pre-launch. Launch vehicle flight. Launch, spacecraft commissioning, and in-orbit. Liability: Pre-launch, launch, and in-orbit third party liability. Aerospace Claims Our claims team has a global network, servicing customers around the world. We believe that the key to successful claims handling involves the interaction of all parties. We work very closely with our appointed experts enabling us to deliver a more cost-effective service. Our claims professionals are trained to quickly and efficiently focus on providing comprehensive solutions. Aerospace Safety and Loss Control Our services are supported by industry-leading safety and loss control methods that range from detailed risk assessments and manual document reviews to safety program management consulting and training. Drawing on our extensive experience in the aerospace industry, we work with customers to provide unparalled services for their type of operation. Key Sectors Aerospace product manufacturers, distributors, and maintenance repair and overhaul (MRO) operations. Aerial Applications. Airlines. Airports. Business Aircraft and Corporate Fleets. Charter/Commercial. Fixed Base Operators. Helicopters. Heliports. Modification and Repair Facilities. Personal Pleasure Aircraft. Space. BACK

34 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) AIG MULTINATIONAL SOLUTIONS, YOUR WAY You re not just building a multinational program, you re building a global partnership with shared knowledge, collaboration, and transparency. Universal Advantages Deep Local Knowledge & Experience AIG can provide locally admitted insurance in over 200 countries. Local staff worldwide helps clients examine and navigate all issues relevant to their programs, from program design to claims handling. More than 90 years of experience, so we can handle whatever comes our client s way. Clients tap into our knowledge and experience to enhance their own risk management practices through: AIG Multinational Program Design Tool. AIG Multinational Training Programs. AIG Multinational Resource Center. A Transparent, Partnership Approach We listen, understand each client s issues, and respond to their particular requirements and preferences. Tools and resources empower clients to make well informed decisions from initial program design to everyday insurance management. Centrally, we partner with clients to design programs that achieve their overall objectives; locally, we work with clients to execute the program and provide customized services, day to day and beyond. A Flexible, Far-Reaching Inventory Our broad breadth of products ensures clients can secure the solutions they need from traditional property and casualty, to highly specialized offerings and captive capabilities. We offer flexibility. Providing local/global policies based on client needs/preferences. Tailoring programs with everything from higher property limits, to unique terms and conditions. A Commitment to Outstanding Service Excellent service from prompt policy issuance, to timely movement of money worldwide. Specialized local loss control and engineering capabilities, with hundreds of engineers and consultants worldwide. A balance of swift local response and centralized coordination of claims through 10,000 dedicated claims professionals worldwide. Key Sectors Multinational companies in all sectors and sizes. Companies expanding internationally. Captives and risk-managed programs. BACK

35 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) PRIMARY AND EXCESS CASUALTY UNDERPINNED BY EXCELLENT RISK CONSULTING AND CLAIMS HANDLING EXPERTISE AIG is a leading primary, excess, and cat-excess insurer. We offer a range of solutions for companies of all sizes, from mid-market to large multinationals. Innovative program structures for complex risks, able to design sophisticated risk solutions. Customer Focus Specialized Risk Management Solutions Major Accounts Serving businesses with revenues of $700 mn and above that require individualized risk management solutions. We offer closely coordinated primary, excess, and multinational underwriting teams, experienced in meeting the needs of today s largest and most complex businesses, and supported by risk consulting and claim management experts that work anywhere in the world that our clients might need them. Corporate Accounts Serving middle market to upper middle market with revenues up to $700 mn through aligned primary, excess and multinational underwriting teams. We offer a broad range of risk management solutions, with local and multinational insurance capabilities, as well as a diverse underwriting appetite and world class risk consulting services. Standard to highly customizable program structures are available, including guaranteed cost, loss sensitive, large deductibles, and captive arrangements. Energy and Construction Serving as a centralized access point for our Energy and Construction customers, delivering creative solutions and specialized services to these highly engineered risks. Our industry-expert underwriters, claim management teams, and risk consultants, combined with our substantial excess liability capacity and specialty product offerings (such as wrap-up and project-specific programs) make us an ideal partner for Energy and Construction clients from middle market to multinational. Commercial Accounts Serving businesses in the lower middle market and small business segments, with an emphasis on speed and efficiency in product delivery. We make the value of a global insurer available to local customers. Lexington Casualty Serving the Excess and Surplus Lines marketplace, AIG s Lexington is a leading underwriter of primary and excess casualty products. We bring over 40 years of underwriting creativity, deep industry knowledge, specialized risk management and engineering services, and proven claims handling expertise. We tackle unique risks across a broad spectrum of industries including, Transportation, Manufacturing, Energy, Construction, Public Entity, Real Estate, Hospitality, Security and Higher Education. Key Sectors Primary, Excess, and Cat Excess Liability. Workers Compensation/Employer Liability. Communications, Media and Technology. Defense. Employee accumulation risks, including offshore and aircrew. Energy and Construction. Food and Beverage. Financial Institutions. Healthcare and Medical Malpractice. Manufacturing. Motor/Fleet. Multinational risk of all sizes. Real Estate. Retail. Wholesale. BACK

36 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) COMMERCIAL PROPERTY INSURANCE FOR A DIVERSE RANGE OF CLIENTS With our depth of technical property underwriting expertise throughout the world, substantial domestic and international capacity, superb risk engineering capabilities, and an unparalleled global network, we provide comprehensive solutions to meet the evolving needs of our clients. Comprehensive Coverage and Product Breadth Commercial Property provides coverage for specific market segments, from custom property products and services for small and medium sized enterprises to large commercial capacity that responds to the needs of global corporations. Commercial Property offers a global portfolio of products and services for all types of businesses, as well as specialty coverages such as Inland Marine and Terrorism. Our underwriters offer deep expertise in multiple occupancies, market segments, and industries. They bring extensive knowledge to each risk, tailoring coverage to meet a client s unique needs. Clients can also access online learning tools and specific risk information, by trade and exposure type, to stay current on the risks they face and how best to mitigate their exposures. Capacity Commercial Property can offer up to US$1.5 bn in per risk and significant catastrophe capacity worldwide, among the highest limits available in the marketplace today. As a longtime leader in the property insurance marketplace, including catastrophe property protection, Commercial Property has an unmatched track record protecting the physical assets of businesses from large multinationals to single location enterprises. Our comprehensive coverage contemplates a full range of exposures from property damage to business interruption to logistics and supply chain risks globally. Programs are customized for each business. Risk Engineering Our global network of loss prevention engineers offers exceptional in-house risk engineering capabilities and undertakes full, qualified pre-quote inspections for potential clients. They are a rich source of risk management advice which they routinely share with clients and potential clients on-site. Service and Claims Close communication between underwriting, risk engineering, and claims teams enables clients to receive a seamless response on coverage, risk analysis, and settlement decisions. Clients can count on rapid and fair claims settlement through our global claims specialists. Multinational claims are handled by our local claims teams directly with our clients overseas entities. Multinational Capabilities Our experienced Commercial Property team is committed to bringing our collective, worldwide knowledge to benefit each client, from distinctive management services, property loss prevention engineering, and claims expertise, in every jurisdiction in which we operate. Working together, we can help clients navigate through the complexities of multinational programs providing proper coverage, assisting with regulatory compliance, and delivering excellent service from engineering through underwriting, premium flows, claims, risk and captive management, and other services that support their business plans and objectives on a global basis. Key Sectors Comprehensive risk management and loss prevention engineering solutions for clients across segments and occupancies. Large Limits clients with total insurable values (TIV) over US$750 mn. Middle Market clients with TIV of US$25 - US$750 mn. Small/Medium Size Enterprises with TIV of up to US$25 mn. Primary CAT/Inland Marine-Excess and Surplus (U.S. only). Capacity is generally limited to $25 mn with ability to provide up to $50 mn. Coverage provided across a wide range of industry sectors including: Manufacturing, Telecommunications, Public Entities, Education, Healthcare, Real Estate, Retail, and other commercial classes. BACK

37 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) HELPING BROKERS MEET THE PERSONAL AND GROUP INSURANCE NEEDS OF THEIR CLIENTS We leverage our global expertise and broad portfolio of personal insurance solutions to help secure the lives of families and individuals. We also offer a full spectrum of employer-funded and employee-paid solutions that provide employers and affinity groups with greater flexibility in building their benefit packages. Specialized Segments including Sports, Educational, and Volunteer Groups Sponsor-paid and/or voluntary plans that help protect individuals participating in a wide range of activities. Niches include special risk, accident medical expense, accidental death & dismemberment, and student health. Travel Insurance solutions for personal and business travelers can include 24/7 emergency medical, repatriation, security, concierge, travel, and roadside assistance services. High touch service provided by highly skilled, multilingual coordinators, medical doctors, and security experts via our global assistance centers strategically located in Asia, Europe, and the Americas. Flexible Group Benefits for Employers & Affinity Groups One of the industry s most comprehensive portfolios of middlemarket, consumer-based solutions for employer and affinity groups. We offer simplified, enhanced service execution with a unique combination of expertise and innovation. Insurance for High Net Worth Families Comprehensive insurance solutions are designed to address the increasingly complex risk management concerns of successful individuals and their families. Broad property and liability coverage is coupled with a suite of services to help customers proactively reduce the likelihood and severity of loss. Global Service Programs AIG s Global Service Programs business is one of the world s largest, most trusted service program providers in the industry, with close to 30 years of expereince. AIG s depth of expertise enables it to successfully collaborate with many of the world s largest, most respected companies to provide flexible, innovative, and highlycustomized service program solutions to meet their business needs. AIG develops, underwrites, markets, and administers service programs for industries that include: Mobile carriers, mobile device and consumer electronics manufacturers, personal computer makers, financial services firms, home appliance and HVAC manufacturers, and retailers, among others. AIG s Global Service Programs operates in more than 70 markets around the world, serving customers and clients throughout North America, Asia, Europe, Latin America, and the Caribbean. Key Sectors Mobile carriers. Mobile device manufactures. Consumer electronics manufacturers. Personal computer makers. Financial services firms. Home appliance and HVAC manufacturers. Retailers. Online retailers. BACK

38 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) GLOBAL REACH, COMPETITIVE CAPACITY AND INDUSTRY EXPERTISE FOR ENERGY AND ENGINEERED RISKS We are a consistent and reliable provider of stable lead capacity with engineering specialists in the field, throughout the world. We work with local, multi-country, and global clients. 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 focused on assessing offshore, construction, property, machinery, and mechanical breakdown related exposures, including risks unique to hydrocarbon processing, power generation, chemical, pharmaceuticals, and mining. Local expertise globally Based locally around the world, our team speaks most local languages and is well-versed in local, national, and international practices and standards. Our engineers are specialists in disciplines such as chemical, petroleum, electrical, mechanical, civil, and fire protection loss control engineering services. Loss control Our focus is to help manage risk in order to reduce or mitigate potential loss caused by fire, explosion, windstorm, flood, earthquake, collapse, as well as mechanical and electrical breakdown exposures. We work with our brokers and customers to provide unparalled, cost effective advice to improve upon existing management programs. Claims strength Our claims specialists have extensive 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. Our customer service claims professionals provide 24-hour response claim acknowledgement to ensure clients peace of mind. Catastrophe response teams are deployed quickly; we have the ability to mobilize large numbers of claims technicians and experts to respond to a catastrophe. Key Sectors Oil and Petrochemicals (mid and downstream). Power Generation and Utilities. Chemicals. Mining and Related Industries. Oil Rig (upstream exploration and production). Construction. BACK

39 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) SOLUTIONS FROM AN AWARD-WINNING ENVIRONMENTAL LIABILITY INSURER Environmental liabilities present a growing risk to businesses as heightened levels of public awareness and evolving environmental regulations have made operators increasingly more responsible for environmental damage. AIG has one of the largest environmental underwriting teams and has been building innovative environmental insurance programs for over 30 years. Products and Service Innovation Pollution Legal Liability Product Group; PLL Select, EnviroPro, PLL Commercial Offers environmental coverage to site owners or operators that address on- and off-site clean-up costs, bodily injury, and property damage liability coverage, transportation and disposal liabilities, and business interruption due to pollution conditions. Contractors Pollution Liability Protects contractors against third-party claims for bodily injury, property damage, or environmental damage resulting from pollution conditions caused by covered operations. Is available on either a claims-made or occurrence basis. PIER (Pollution Incident and Environmental Response) An international network for an immediate response, PIER provides AIG insureds with around the clock emergency response services when it really matters; promptly responding and aiding the insured to assemble and dispatch the correct team of pre-qualified contractors, helping to control remediation costs, and assisting with minimizing overall environmental liabilities. CrisisResponse When a crisis strikes, a company must act swiftly to mitigate losses and prevent reputational damages. Crisis Response coverage may be provided on some policies to help provide funds needed to expedite recovery in the event of a potentially catastrophic environmental crisis. Key Sectors Our flexibility means we can accommodate most sectors worldwide, particularly: Manufacturing. Healthcare. Hospitality. Transportation and Logistics. Waste Management. Real Estate. Energy. BACK

40 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) MARKET-LEADING PRODUCTS FROM A WORLD LEADING FINANCIAL LINES INSURER Financial Lines provides innovative management liability and professional liability protection tailored to fit the individual needs of domestic and multinational organizations. Our global expertise, claims capabilities, and capacity, coupled with our local presence, provide clients with the tools needed to mitigate the emerging board level risks faced while striving towards a successful future. Our Advantages Global Claims and Underwriting Excellence Our long-tenured and locally aligned underwriting and claims teams are co-located, producing an effective working partnership that gives underwriters a more complete understanding of claim trends while ensuring claims handling is consistent with underwriting intent. This allows us to provide clients with the immediate support and guidance they need whether assessing coverage needs or processing claims. Experts by line of business, complexity, and geography, our teams have the knowledge and authority necessary for prompt decisionmaking at a local level. The services and expertise clients receive from our trusted legal, forensic, and communications vendors, only adds to the comprehensive support we provide to each client. Risk Appetite, Capacity, and Financial Strength Our global underwriting capacity, combined with our robust appetite for risk and the financial strength to deliver on that commitment means fewer layers, more efficiency, and customized coverage to address emerging and challenging exposures. Proven Underwriting Expertise and Innovation Our progressive and innovative culture continues to drive us to produce market leading, forward-looking products and services tailored to protect clients as their operations change and risks evolve. Unwavering Commitment Our commitment to clients extends far beyond the latest trends and challenges in the marketplace. We partner with clients to proactively mitigate exposure no matter how challenging the environment or risk. Key Sectors Management Liability. Directors and Officers Liability. Cyber Liability. Crime. Employment Practices Liability. Pension Trust Liability. Kidnap and Ransom. Professional Liability. Architects and Engineers. Cyber Liability. Miscellaneous Professional Services. Representations and Warranties. Customer Segments. Multinational Organizations. Public and Private Companies. Non-Profit Entities. Financial Institutions. Geographies. Americas. EMEA. Asia Pacific. BACK

41 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) TAILORED AUTO COVERAGE FROM SPECIALIST FLEET UNDERWRITERS Bespoke insurance solutions Technical Expertise We have great depth of technical fleet knowledge, including non-conventional structures and global fleet programs. Claims Our worldwide claims network is unrivaled in terms of size and scope. We provide access to dedicated account managers and complex claim specialists who manage highly intricate, large losses. Proactive Risk Management We provide a range of risk management tools including products to identify, assess, mitigate, and control exposures, full risk reviews and behavioral 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. Pro-active risk managed exposures. BACK

42 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) ALTERNATIVE RISK: NON-TRADITIONAL SOLUTIONS TO UNIQUE RISKS AIG develops innovative, customized solutions to unique risks that are either not addressed or addressed inefficiently by traditional insurance or financial markets. We specialize in programs where the client retains some of the risk (i.e. Global Fronting and Captive Management Services), risk transfer programs for difficult-to-insure risks (i.e. Alternative Solutions), and breakthrough product innovation. Global Fronting Programs Protecting earnings and assets from various exposures and utilizing capital efficiently are critical to the strength and growth of a company. Traditional insurance programs may not adequately address these exposures or be the most efficient use of capital. Our Global Fronting Programs may provide a better solution by helping clients retain risk through a captive, rent-a-captive or other protected cell structure, fully funded structure, or indemnity program. Our services include: Policy issuance, claims administration, claims reporting, premium management and reporting, and 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 local expertise. Global fronting may provide a better solution for companies that are: Seeking an insurance program that allows them to retain risk in order to benefit from positive loss experience. Experiencing a risk profile better than their peers or improved loss controls that are not reflected in market prices for traditional insurance. Pursuing more efficient access to the reinsurance markets. Looking to expand the use of an existing captive, rent-a-captive, or other protected cell structure to insure all or part of a risk. Requiring evidence of insurance for regulatory, disclosure, financing, marketing, trading, or counterparty needs. Facing a specific problem for which there is no clear or viable risk transfer solution. Seeking greater certainty and flexibility on coverage and premium through varying market cycles. Captive Management Services AIG provides captive advisory and management services to clients. We provide a complete range of services regarding the feasibility, structuring, formation, and management of captives with an in-depth understanding of each domicile s regulatory requirements and local business practices. Our global product portfolio ranges from single parent insurance and reinsurance captives, associations, risk retention, and group captives to rent-a-captives, protected cell companies and segregated account structures. Clients without a captive can experience many of its benefits through participation in AIG s own captive cell facilities in Vermont and Bermuda. Alternative Solutions Sometimes companies face complex or unusual risks that are difficult to address in the conventional insurance and financial markets. AIG Alternative Solutions are specifically designed to address these challenging risks through: Blended Structure: A single program combines client funding of expected losses and the utilization of risk transfer above the funded layer. Customized Risk Transfer: Primary or excess insurance policies are tailored to provide solutions. Buyout: Customized programs are designed to offset liabilities resulting from traditional insurance risks or unusual exposures. Alternative Solutions can help companies that are: Requiring evidence of insurance for regulatory, disclosure, financing, marketing, trading, or counterparty needs. Facing a specific problem for which there is no clear or viable risk transfer solution. Encountering a situation where current market conditions or shifting underwriting capacity are limiting availability of risk transfer. Planning a merger, acquisition, or divestiture in which difficult risks are i mpeding the transaction. Confronting significantly increased retentions or premiums. Experiencing restricted coverage due to adverse industry claim trends. Breakthrough Product Innovation AIG designs and launches new products and services not currently available in the insurance or financial markets. Key Sectors Multinationals. Large Commercial. Financial Institutions. Growing Middle Market Companies. BACK

43 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) SURPLUS LINES COVERAGE TO HELP BROKERS MEET THEIR CLIENT S RISK CHALLENGES TODAY AND TOMORROW For over 50 years, Lexington Insurance Company has provided innovative insurance coverages and services to companies and industries across the board from Fortune 100 corporations to small and middle market entities. Our exceptional flexibility of rate and form, an advantage of our non-admitted status, combined with our deep underwriting talent enable us to address simple and complex exposures. Property Whether the property risk is a national enterprise or a neighborhood business, brokers look no further than Lexington to fulfill their clients needs. Our underwriting and flexibility in form and coverage have allowed us to tailor primary and excess large limit solutions for most property needs and provide leading, innovative products for decades. Lexington can provide up to $1.5 billion in non-catastrophic commercial domestic limits one of the greatest capacities available in the marketplace today. Natural catastrophe coverage is available for critical and noncritical earthquake, flood, and windstorm perils. These capabilities combined with Lexington s risk management and property loss-prevention engineering services, enables policyholders with significant commercial property exposures to help protect the full breadth of their commercial property assets. Financial Lines A market leader in management and professional liability exposures, Lexington responds to the needs of public, private, and non-profit insureds with an extensive portfolio of Financial Lines coverages. Lexington provides diversified and highly customized insurance solutions to a wide range of risks for customers in the following classes of business: Lawyer, Accounting, Real Estate, Staffing, Architect & Engineers, and Contingent Bodily Injury/ Property Damage. Casualty Lexington is a leading underwriter of general casualty risks, providing primary General Liability, Lead Umbrella, Follow-form Excess Liability, Sexual Misconduct Liability, and Law Enforcement Directors and Officers Liability Insurance. Our exceptional underwriting flexibility and leading risk management services have allowed us to grow and serve a wide variety of industry groups and risk classes for decades. With financially strong capacity of up to $50 million available, Lexington can provide the invaluable peace of mind that comes only with an insurer that has the commitment and strength to manage casualty risks today, and tomorrow. Healthcare For four decades, Lexington has been underwriting wide-ranging healthcare risks and providing cutting-edge risk management and patient safety services and claims expertise to help insureds protect their bottom line. Our knowledge and experience in the healthcare industry provide distinct advantages to our policyholders, who range from hospitals to remote ambulatory facilities, from physicians to groups practices and long-term care facilities. Our coverages run the gamut from Medical Professional Liability to Property Insurance. Not only does Lexington provide a broad, flexible policy form to address the myriad risks of the healthcare industry, we are also at the forefront in helping healthcare organizations meet one of the greatest challenges of the day: Enhancing patient safety. Personal Lines Lexington Insurance is a leading provider of wide-ranging, reliable coverages for complex and unique personal lines exposures nationwide. We are committed to providing innovative products to meet our customers needs and changes in the marketplace. Programs Lexington s Programs division is one of the leading underwriters of program business in the U.S., with a broad appetite and vast range of programs, from those created for standard commercial exposures to those created for complex, high-risk exposures. We have a proven record of more than 30 years of providing financially sound programs. We can write both large and small programs, national or regional in scope. Key Sectors BACK Lexington s expertise spans many industries segments within the property casualty market, including: Real Estate. Construction. Higher Education. Healthcare. Energy. Public Entity. Transportation.

44 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) A LEADING GLOBAL MARINE INSURER We have been underwriting marine risks for over 90 years. We combine our local underwriting, claims, and marine loss control engineering expertise with the quality and responsiveness of our global network which spans over 90 countries, to provide flexible tailored marine solutions to our clients. Marine Cargo Our cargo insurance programs are designed to provide comprehensive coverage for goods in transit for manufacturers, importers and exporters, commodity traders, logistics companies, and more. We can also provide numerous extensions to coverage such as pure domestic transit movements, warehouse, storage, exhibition, processing, or consolidation risks. Marine Liability We offer a wide range of marine liability insurance products to meet the needs of transportation companies, stevedores, wharfingers, terminal operators and port authorities, shipyards aand ship repair operations, bunkermen, vessel charterers, pilots, and marine contractors in nearly every jurisdiction around the globe. Hull and Protection and Indemnity (P&I) From tugs and charter boats to supply vessels, we can provide both small and large marine vessels the tailored insurance solutions needed to suit their specific needs and indemnity exposure. Recreational Marine We offer comprehensive coverage for boats and yachts of any size from runabouts to mega-yachts. Inland Marine Our Inland Marine team provides comprehensive protection for assets that are moveable or mobile in nature, in transit or in storage, where specialization is needed or unique exposures exist. Marine Claims Global Marine s claims network offers clients the best of both worlds. Our policyholders customers can resolve claims in their own country, language and currency, while the original insured can liaise with regional management to address concerns or requirements. Our claims handlers knowledge of international marine insurance law and conventions and local regulations enable us to resolve claims quickly and maximize recoveries, delivering tremendous benefit to our policyholders. Comprehensive Recovery Support Marine recoveries are central to our approach to claims. Local and regional recovery specialists focus on achieving maximum recovery on every claim. Such efforts help insureds maintain favorable loss experience and keep premiums down. Marine Loss Control Engineering (MLCE) Global Marine has experienced loss control professionals spanning all time zones to help policyholders reduce trade and transportation risks and minimize costly delays. Our comprehensive loss control services are based on three core principles: Proactive loss prevention Helping clients avoid losses by analyzing potential exposures and minimizing them. Reactive loss control Helping clients prevent future losses by analyzing historical loss frequency and severity trends and acting to address vulnerabilities. Communication Maintaining open communication between policyholders and loss control professionals to enhance loss prevention efforts. Policyholders can also take advantage of the expertise of our independent surveyors and loss control experts who specialize in infrastructure projects, cargo, towing, heavy-lift, logistics, and warehousing. Key Sectors Marine Cargo Exporters and Importers. Heavy Engineering (Project Cargo). Freight forwarders. Logistics Service 3PL. Marine Liability Stevedores. Wharfingers. Terminal Operators. Ship Repairers. Charterers. Marine Contractors. Hull and Protection and Indemnity (P&I) Insurance Tugs. Barges. Passenger vessels. Supply vessels/crew boats. Research vessels. Hull Builder s Risk. Recreational Marine Insurance Boats and yachts of any size from runabouts to mega-yachts. Inland Marine Truckers, warehousemen, and warehouses. Logistics support providers, shipyards, ports, and terminal operations. Utility, excavation, street and road, and marine contractors. Electronic devices, specialty equipment, and miscellaneous property. Contractors, construction companies, and installation companies. BACK

45 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) POLITICAL RISK INSURANCE: FLEXIBILITY, STABILITY AND EXPERIENCE ON YOUR SIDE For over 35 years, we have been helping investors, financial institutions, and corporate clients protect their overseas interests against a wide range of political perils. Whether your client s property, income, or assets are exposed to potential loss from unpredictable foreign government action, political uprising, currency inconvertibility and nontransfer, or sovereign payment default, you need a strong partner on the ground to protect them. AIG is that partner. Flexible cover for unique exposures Capital Markets & Financial Institutions Capital Markets Investors and Financial Institutions seeking higher margins from emerging market lending face significant levels of country risk. Although a borrower may be financially sound, specific political perils may interfere with a borrower s operations causing the borrower to default on payment obligations to lenders. AIG structures policies to protect lenders against payment defaults caused by political risks such as expropriation, political violence and currency inconvertibility, and non-transfer events. Where the borrower is a government entity, AIG s policies protect the client against losses due to commercial as well as political risks. Multinational Corporations Changes in government policy or political violence can place a company s overseas assets at risk. If local economic priorities shift, a company may find it difficult to repatriate profits, intra-company fees, or dividends, since this typically requires the approval of the local country s central bank. With AIG s political risk insurance, investors can realize the full potential of their foreign investments while mitigating their exposure to these often unforeseen and potentially catastrophic political events. Projects - Multinationals 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 the growing demand for Political Risk Insurance to protect the completion of large project-related transactions. Contractors The specialized mobile assets and equipment required by contractors working on project locations overseas present exposure. Local governments may seize a contractor s assets, assets can be damaged by political violence, or equipment may be left behind if a contractor is forced to evacuate a country in turmoil. Contractors also face the risk of non-payment on contracts with foreign counterparties and wrongful calling of guarantees. AIG political risk insurance protects clients against political perils that could adversely affect their profitability. Importers & Exporters Doing business with customers and governments overseas exposes a client to numerous potential risks, including the inability of the customer to convert and transfer currency in order to pay for good or services. The performance of private in-country counterparties can also be impacted by unforeseen political perils, such as confiscation, political violence, or license cancellation, or government counterparties may be unwilling or unable to honor their obligations to pay or deliver pursuant to contracts with the customer. AIG political risk insurance protects against losses resulting from these risks. Non-Payment Insurance for Project Finance Lenders Project finance is a method of financing in which lenders look to a project company s cash flow as a source of repayment rather than to the project sponsor s balance sheet. Lenders who participate in project finance lending in any sector, for example, mining, transportation, telecommunications, or energy, are rewarded with high margins on their loans if the project performs as anticipated and cash flows are sufficient to meet debt payment obligations. On the other hand, when a project underperforms, cash flows may fall short and lenders are at risk of loss. AIG can now offer its clients comprehensive protection against default on project finance loans whether a project company s inability to repay debt is caused by a commercial event or a political risk event, our policy may respond. Key Sectors Manufacturing heavy industry, chemicals, food and beverage, and others. Construction. Mining. Oil and Gas. Agricultural Production. Defense. Telecommunications. Wholesale/Retail. BACK

46 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) OUTSTANDING VALUE AND PROTECTION IN THE FORM OF MULTI-LINE PROGRAM INSURANCE SOLUTIONS FOR SMALL AND MID-SIZED BUSINESSES Our programs products are designed for small businesses, and provide extensive coverages and services. In addition to the various property, business interruption, and liability insurance covers expected in a program policy, we also offer a broad range of complimentary AIG products in connection with industry-specific solutions. Outstanding protection Preventing Loss Programs has a range of products and services, not only to protect businesses after they have had a loss, but also to help minimize the chances of having a loss in the first place. Breakdown cover Today s businesses are increasingly dependent on expensive and sensitive technology. Many policies include automatic breakdown cover 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. Key Sectors We underwrite individual risks, portfolios and products for a wide range of small and mid-sized businesses. Examples of target sectors include the following: Retail. Professional and financial offices. Healthcare. Hospitality. Education facilities. Technology, media, and entertainment. BACK

47 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) A LEADING INSURER IN INTERNATIONAL SURETY Surety Bonds provide protection to public and private sector clients against the inability of contractors and service providers to fulfil contractual obligations, usually as the result of financial failure or technical problems. At AIG we work with those contractors and service providers to mitigate these risks and concerns and guarantee performance. Whether you are looking for a surety bond for a traditional construction project or pursuing an alternative to a Bank Letter of Credit, AIG can customize a solution precisely for our clients. A surety leader for more than 70 years, we have the underwriting expertise, capacity, and global reach to address your most challenging surety obligations around the world. 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 open 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 centers of excellence in London, New York, Toronto, São Paulo, Hong Kong, Shanghai, and Singapore. Product Offerings We handle traditional and non-traditional surety with equal ease and customize a wide variety of products to meet the diverse needs of clients. Our offerings include: Contract Bonds Bid Bonds Performance/Labor & Material Payment Bonds Supply Bonds Advance Payments. Alternative to Bank Performance Letter of Credit. Commercial Bonds Court/Judicial Bonds (e.g., Appeal Bonds)License & Permit Bonds. Key Sectors Investment grade, blue-chip companies and industry leaders with a regular bonding requirement of not less than US$25 mn, turnover in excess of US$545 mn, well capitalized balance sheets and a tangible net worth of not less than US$47mn. AIG will also work with banks looking to re-allocate and share risk. Market sectors: Construction, infrastructure, support services, transport, telecoms, and renewable energy risks. Multinational companies. BACK

48 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) EXCELLENCE AND INNOVATION IN TRADE CREDIT INSURANCE We are an award-winning trade credit insurer. For over 35 years, we have been underwriting trade credit risks and helping companies increase their sales and manage their working capital. In that time, US$1 bn have been paid in claims. Our experienced local underwriting teams and policy servicing capabilities provides clients with flexible program structures to allow a high level of autonomy when granting credit to customers to protect them against accounts receivable losses. Trade Credit Insurance Trade credit insurance provides sellers with the accounts receivable protection needed to safeguard themselves against a customer default due to financial or political events. Our solutions range from policies that insure all or part of a seller s account receivables book to a host of industry leading online tools that allow sellers to manage and set customer credit limits using live sales ledger data. As our partner, sellers have the reassurance to offer more competitive terms of sale without significantly increasing their credit risk seeking new sales opportunities with confidence and success. Our products include: Domestic and Export Credit Insurance (DECI) Domestic, foreign, or global accounts receivable protection is provided forany loss arising from buyer payment default due to insolvency, protracted default, or the failure of the exchange authority in the buyer s country to transfer foreign currency. Trade Credit Multinational Programs Global accounts receivable insurance with local policy issuance for foreign subsidiaries wrapped by a Controlled Master Program (CMP) provides integrated coverage for insolvency, protracted default, and currency transfer risk on your global accounts receivable asset. Top Accounts or Single Buyer Coverage Accounts receivable coverage for your top/key customer(s) domestically or globally, whether for the company as a whole or for a subsidiary/division, can be provided under our DECI policy form. Bank and Financial Institutions Products A full menu of trade credit insurance options is available for financial institutions engaged in the non-recourse financing of domestic and/or foreign trade receivables. Medium Term Credit Insurance Covers sales of capital equipment with credit terms of up to five years. Product Innovation Our non-cancellable limits have enabled us to grow as clients have become disaffected with insurers who cut and ran. Many competitors find it difficult to replicate this product as they underwrite the end buyer rather than the client. We work on the principle of partnership and our highly professional and experienced team, tailor solutions to meet the exact needs of our clients. Global Limits Manager A web-based credit management tool that sets, manages, and monitors customer credit limits and eases policy administration using live sales ledger data is a valuable innovation. Supplemented where necessary with status agency data it gives powerful insights into a policyholder s receivables risk portfolio. Trade Finance Trade Finance harnesses the rating strength of a major insurer to deliver capital efficient Basel III solutions for banks, providing better access to finance for corporations unlocking the strength of their trade receivables. It can increase the level of funding available to clients at potentially lower all-in funding costs. It can also be used to help protect clients balance sheets against catastrophe risk as well as improve credit management and treasury functions. Key Sectors Leaders in their field, across multiple industries who have a professional approach to credit risk management. Typically look at accounts with US$50 mn to $2 bn in annual sales. Businesses with an international footprint. BACK

49 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) COMPREHENSIVE COVERAGE SOLUTIONS FROM SEASONED TRANSPORTATION PROFESSIONALS From trucking companies big and small to airlines and mass transit, our team of specialized underwriters, experienced claims adjusters, and industry veteran loss control representatives work with clients to design programs that avoid gaps in coverage, minimize potential sources of loss, and limit claim exposures. Coverage Solutions AIG offers a broad spectrum of coverages to address the needs of the transportation industry: Casualty programs are customized to our clients, which include Primary, Excess, Umbrella, Workers Compensation, General Liability, Garage, and Truck Broker Liability coverages Guaranteed Cost to Large Retentions Flexible financing structures Flexible options for collateral requirements Risk Retention/Risk Purchasing Groups Property and Inland Marine coverages with market-leading capacity Motor Truck Cargo Liability and Physical Damage available on an admitted or non-admitted basis, providing flexibility of rate and form Coverage enhancements designed to address the industry s needs, such as Identity Misrepresentation coverage on Motor Truck Cargo Ability to provide Warehouse Legal Liability, Property, Motor Truck Cargo, and Physical Damage under one policy Broad risk appetite including coverage for high target items such as clothing, alcohol, tobacco products, and electronics Key Sectors Environmental liability solutions specifically geared towards the transportation industry, with first and third party options for bodily injury, property damage, and clean-up costs PLL Transportation and Logistics Protect endorsement includes coverage for nonowned locations used for the temporary storage or distribution of products, including warehouses and transloading terminals Claims Expertise Our premier team of claims handlers has been servicing the transportation industry for two decades, providing our clients a longterm commitment to collaborative claims management. Our unmatched resources and networks include: Litigation Management Team Dedicated In-House Transportation Claims Counsel Crisis Response and PIER (Pollution Incident and Environmental Response) services to provide necessary funds and support in a time of crisis/emergency Dedicated Risk Consulting Services Our risk consultants are experts in the transportation industry averaging over 25 years experience and provide clients with costeffective and measurable methods to manage exposures and trends, improve operating efficiencies, and maximize regulatory compliance. Common, contract, and private fleets: truckload, less-than-truckload, dry and liquid tank, flatbed, heavy haul, intermodal, oilfield, brokerage, passenger carrying, waste haulers (excluding residential garbage). Railroads and aviation risks. Value added services include: Exclusive, customized Compliance Safety Accountability (CSA) analysis, reporting, and improvement strategies Benchmarking and trending analysis Customized online training (managed and unmanaged options) Driver recruitment, selection, and retention best practices and training Health and wellness programs RiskTool Advantage, a web-based risk management platform with resources specific to the transportation industry PIER program, providing 24/7 access to crisis management specialists and service providers who respond to and help mitigate unplanned environmental events/incidents Workers Compensation Innovation Casualty coverage is paired with innovative methods of improving workers compensation outcomes while reducing costs: Breaking inefficient patterns of care Controlling pharmaceutical costs Committing to effective treatment standards and guidelines ProductivityEdge, an innovative suite of managed care services Utilization of research which has shaped a next-generation predictive model unmatched in the industry BACK

50 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) A COLLABORATIVE APPROACH TO COMPREHENSIVE PROGRAMS FOR OUR CONSTRUCTION CLIENTS With over 50 years experience insuring construction projects around the globe, AIG has unrivaled expertise, coverage and capacity to support our clients needs. We offer tailor-made insurance solutions, innovative loss prevention strategies, and unsurpassed claim handling services. Expertise AIG offers an expansive range of specialized products to meet our construction clients risk management needs, including but not limited to: Builders Risk with up to $250 million of probable maximum loss capacity Architects and Engineers Professional Liability for a broad range of construction exposures Capability to cover and service course of construction, and operational casualty and property risk Environmental solutions specifically tailored to the needs of contractors (both practice and site specific solutions) Surety bonds with unrivaled capacity and global reach Multinational capabilities that help to simplify the complexity of projects that require global coordination A wide array of multi-line insurance coverages is available for the construction exposures of small businesses, backed by the same expertise and value-added services that make AIG a market leader. Loss Prevention and Engineering AIG s global team of loss prevention consultants and engineers are highly-skilled in the evaluation of hazards unique to construction operations and the improvement of relevant management systems to help control risks. Advantages: We can closely match technical experts to the many phases of a project, from civil and structural engineers, to occupational safety consultants, to equipment and occupancy specialists Proven engineering methods can help identify risks associated with design deficiencies, ground preparation, mechanical completion, fire protection, and testing and commissioning RiskTool Advantage is a web-based risk management platform that provides complimentary access to training resources, safety programs/policies, risk guides, and a global library with over 10,000 links to international references and standards PIER (Pollution Incident and Environmental Response) provides 24/7 access to crisis management specialists and service providers who respond to and help mitigate unplanned events/ incidents such as spills, leaks, fire, and explosion Claims AIG s unparalleled global claims network has one of the largest and most specialized in-house construction claims departments in the industry. Dedicated construction claims professionals draw on local, first-hand knowledge of forms, business practices,and legal and regulatory issues to deliver prompt claims service whenever and wherever a loss occurs CrisisResponse, our free crisis management enhancement provides up to $50,000 for professional public relations support and up to $250,000 to cover immediate expenses in the event of a significant construction site accident Key Sectors Public Private Partnerships. Infrastructure Projects. General Contractors. Subcontractors. International Contractors. BACK

51 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) DEDICATED TO BEING AT THE FOREFRONT OF MANAGING RISKS FACING THE EDUCATION INDUSTRY AIG is dedicated to being at the forefront of managing risks facing the education industry through the offering of robust and cutting edge insurance programs paired with comprehensive risk control services and dedicated claims expertise. Coverages AIG offers a broad spectrum of coverages to address the needs of the education industry. We serve all segments of the education marketplace: Property Through our Excess & Surplus Lines portal, we can provide almost any size client with comprehensive catastrophe coverage in addition to our well-respected manuscript policy to varying limits, depending on the exposure Through our Middle Market portal, we can provide an admitted solution that includes catastrophe coverage and non-cat policy limits up to $750 million, through our market leading Property Performance Series with its education-specific coverage enhancements Through our Large Limits portal, education clients have access to policy limits of up to $1.5 billion (higher capacity might be available after assessment), significant catastrophe coverage (depending on the exposure), and comprehensive coverage through our own manuscript policy or approved broker manuscript language All of these options may include Equipment Breakdown and Terrorism coverage, comprehensive engineering analysis and reporting, and a host of our industry-specific endorsements and enhancements including HELP International Catastrophe, Evacuation Response, Upgrade to Green, and/or LexCyberSecure coverage Casualty Industry-specific endorsements and enhancements including Liquor Liability, Incidental Medical Malpractice, CrisisResponse, and Watercraft Liability Environmental Up to $50 million in limits and multi-year policy terms available Industry-specific endorsements and enhancements including PLL Campus Protect Management Liability Flexible form with coverage options including Educator s Legal Liability, Employment Practices Liability, Fiduciary Liability, Kidnap & Ransom/Extortion Insurance, and more Industry-specific endorsements and enhancements including Copyright and Trademark Infringement, Anti-Trust Allegations, Tenure Issues, Plagiarism, Educational Malpractice, and more Accident & Health Student medical insurance, with unlimited maximums designed to meet ACA requirements; pharmacy benefit manager capabilities; and customer preferred provider arrangements. Industry-specific endorsements and enhancements including Medical Evacuation and Repatriation, Intercollegiate Sports, and Accident Only plans Foreign Commercial Package Comprehensive package policy for foreign exposures including coverage for study abroad, research travel, and foreign campuses including: WorldRisk Foreign Commercial Package and Comprehensive Package Policy for Foreign Exposures with industry specific forms/languages and endorsements: Crisis Response, Interns and Volunteers, and Political and Security Evacuation Claims Expertise Our claims operations are comprised of professionals dedicated to Commercial Property, Directors & Officers, Professional Liability, Environmental, and Accident & Health. Our experienced claims professionals, financial strength, and value added services enable us to mitigate clients loss costs and deliver on our service promise Dedicated Risk Consulting Services Comprehensive loss control services for educational institutions worldwide, offering clients cost-effective, professional, and measurable methods of reducing loss. Products and services assist institutions in reducing risks associated with faculty and administration safety, property protection and business interruption, environmental exposures, security, transportation, product liability, and crisis management Key Sectors Universities. Colleges. Junior Colleges. K-12 School Systems. Boarding Schools. Trade Schools. Nurseries/Pre-Schools. BACK

52 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) COMBINING IN-DEPTH INDUSTRY EXPERTISE WITH OUTSTANDING GLOBAL CAPABILITIES TO THE ENERGY INDUSTRY We combine our in-depth industry expertise with our outstanding global capabilities to deliver highly flexible, tailored risk management solutions to energy and energy-related businesses alike. Our Energy practice provides dedicated specialists focused on client and broker needs in targeted industries, offering AIG s full suite of products and service innovation. This integrated product approach provides seamless commercial risk solutions including, but not limited to, property, casualty, management liability, and specialty lines. Sectors Our Energy practice focuses on four key sectors: Oil and Gas, Power Generation, Chemical, and Mining. We take a dedicated approach to each sector, with experienced teams handling each specialty to provide comprehensive protection, innovative, accountspecific enhancements, and unparalleled risk management and claims services Oil and Gas: We provide unparalleled protection to the Hydrocarbon industry with one of the industry s most comprehensive and recognized coverage forms. Coverage offered by AIG, together with innovative and tailored account-specific enhancements, serve to protect our clients who operate in an ever-changing and uncertain property and liability arena Expertise that spans over 80 years in the global Hydrocarbon/ Oil and Gas business In-house specialized claims service professionals and access to crisis management tools including IntelliRisk and the RiskTool Advantage Process Safety Management (PSM) assistance to compliment risk management protocols specific to each sector Coverage flexibility and creativity to custom fit client-specific needs Power Generation and Utilities: From loss control engineering to underwriting to claims handling, our Power Generation and Utility team is well-versed and embedded in the industry Focused underwriters with a broad appetite, expertise, and flexibility offer unique, collaborative solutions to the complex exposures of this sector Flexible approach to program structure and wording Power Generation-focused engineering and claims teams to help support industry-leading best practices Chemical: We provide unparalleled protection by offering one of the industry s most comprehensive and recognized coverage forms built into an industry-leading casualty program. This unique coverage, together with innovative and tailored account-specific enhancements, serves to protect our clients as they operate in an ever-changing and uncertain property and liability arena Products coverage flexibility with claims made and occurrence policies; freedom of rate and form Combined Liability and Pollution policy form which eliminates coverage gaps from multiple policies or industry standard GL policy Crisis Response, PIER, Claims - Client services responding to clients needs when it matters Mining: Our Mining team combines an in-depth understanding of energy and energy-related businesses with outstanding global capabilities to offer flexible, tailored insurance solutions. We have served the Coal, Mineral, and Metals industry for over 30 years Substantial capacity for all types of mining risks Mining-focused engineering and claims team to help support industry-leading best practices Central Mine Service (CMS) specializes in surface and underground coal, metal and non-metal, precious metals, and crushed stone. CMS staff conduct hundreds of operational reviews for our current and potential clients annually, evaluating their potential risks, exposures, and controls Crisis Response, PIER, Claims Client services responding to clients needs when it matters Key Sectors Oil and Gas. Power Generation and Utilities. Chemical. Mining. BACK

53 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) PROVIDING FLEXIBLE COVERAGE SOLUTIONS AND LEADING PATIENT SAFETY CONSULTING SERVICES TO THE HEALTHCARE SECTOR Our clients receive expert care and swift protection precisely when it s needed. Our underwriting, claims, and loss control staff work cohesively as one unit to not only provide an unparalleled customer experience, but also create innovative ways to meet the unique needs of the healthcare industry as regulations and healthcare reform continue to change and adapt. Coverages to Address the Ever-Changing Healthcare Landscape Healthcare Liability Comprehensive, flexible coverage and service solutions to meet the professional, general, and excess liability needs of the healthcare industry, such as hospitals, physicians, long term care, pharmaceutical companies, and more Continuous development and reconfiguration of program solutions to address the evolving needs of healthcare providers and their organizations Casualty Workers Compensation coverage paired with expert loss control, safety engineering, and claims management aimed at improving loss experience and protecting employees Auto Liability coverage, including LexAir Transport RX to address the risks faced by transporting patients Property Industry-leading capacity of up to $1.5 billion is paired with innovative coverage endorsements to address the myriad exposures of healthcare facilities, including Pandemic Rx, Evacuation Response, and more Construction, Property Terrorism, and Equipment Breakdown coverages Professional Liability CyberEdge, providing flexible protection against rising occurrences of sensitive data breaches as healthcare systems transition to electronic records Management Liability, Environmental, Aviation, and Alternative Risk solutions are also available to address the broad range of exposures faced by healthcare providers Patient Safety and Risk Management Services Patient safety is the #1 priority for hospital C-suite and risk managers, according to a recent AIG study resulting in a white paper, Patient Safety; Hospital Risk. Therefore it s also our priority. We have assembled a team of industry veterans, who have over 20 years experience and hold advanced degrees in medicine and healthcare as well as specialized certifications including CPHRM and infection control, to work hand-in-hand with our clients to improve patient safety. Services include: Exclusive patient safety best practice assessments (BPAs) Support in improving results for publically reported data Patient safety culture survey consulting Physician office practice assessments (OPAs) Additionally, clients benefit from a full suite of property loss control and engineering services, RiskTool Advantage, CyberEdge RiskTool, Autoshun, CrisisResponse coverage, PIER (Pollution Incident and Environmental Response), and more, to help mitigate risk and ensure a prompt, effective response in the event of a loss Claims Management Our claims professionals bring the advantage of scale and experience, and understand that both reputation and cost mitigation are of utmost importance to healthcare providers of all types. Our skilled teams work closely with insureds and defense counsel to fully investigate events and engage quality experts. They also bring unparalleled experience and knowledge of local venues throughout the country Additional resources include litigation management, dedicated specialty counsels, and our vast on-the-ground claims operation to ensure healthcare providers can resume operations as expeditiously as possible Key Sectors Hospitals and Physician Groups. Miscellaneous Facilities including: Home healthcare; Imaging centers: X-ray, MRI, PET CT (positron emission tomography computed tomography); EMT/ ambulances; Medical laboratories; Allied health schools; Outpatient primary care/urgent care centers; Ambulatory surgery centers (ASCs); Medical rehabilitation facilities. Senior Care including skilled nursing and assisted living. Life Sciences including: Generic pharmaceuticals; Medical device manufacturers or distributors; Nutraceuticals; Consumer healthcare products (OTC, durable medical products); OTC and encapsulation. BACK

54 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) COMPREHENSIVE SOLUTIONS DEVELOPED FOR THE EVER-CHANGING RISKS OF THE HOSPITALITY & LEISURE INDUSTRY With over 25 years of underwriting experience, loss prevention and engineering, claims, and crisis and litigation management services specific to the hospitality and leisure industry, our service-platform leverages expertise for our clients benefit. Through our close relationships and resourceful services, including customized industry expertise and opportunities we offer hands-on support to develop a comprehensive risk management approach. Coverages We provide coverage options with enhancements designed specifically to address the unique needs of the hospitality and leisure industry: H&L Property Primary, Excess, or DIC (difference in conditions) All risk cover, including boiler and machinery or named perils, available on broker manuscript, company, or ISO forms Non-catastrophe limits up to $1.5 billion Critical CAT earthquake and wind limits up to $50 million, with higher limits available Evacuation Response coverage to help ease the financial burden of a mandatory evacuation Property Performance Series now offers an exclusive admitted commercial property form with additional industry-specific coverage enhancements for specific hospitality and leisure client sectors with over $25 million in total insured values H&L Property Terrorism (standalone terrorism insurance) covering certified and non-certified acts of terrorism for both United States and foreign locations (for U.S.-based entities) Available on primary and excess basis Responds to acts of terrorism committed domestically and acts perpetrated by either U.S. or non-u.s. citizens Tailor-Made General Liability, Workers Compensation, and Employers Liability, and/or Auto Liability and Physical Damage (combined or mono-line basis) Self-insured retentions, deductible programs, incurred and paid loss retros, captives, rent-a- captives, and fronts available Flexible programs to allow cash flow for bundling and unbundling TPA services Broad coverage endorsements specific to the hospitality and leisure industries Hospitality and Leisure Casualty Endorsements and Services Hospitality Service Coverage Endorsement Hotel Safe Deposit Box up to $25,000 Innkeepers Liability up to $1,000 Garage Keepers Liability Liquor Liability and Dram Shop Coverage Value-Added Tools and Resources We take a hands-on approach to managing our clients risks, including customized symposiums, webinars, whitepapers, in-house training in conjunction with our broker partners, and more to ensure that we consistently address the varied risk management needs of our clients. Additional value-added services include: RiskTool Advantage is a web-based risk management platform that provides complimentary access to training resources, safety programs/policies, risk guides, and a global library with over 10,000 links to international references and standards on various subject matter and topics. RiskTool is available in eight languages (Chinese-Cantonese, Chinese- Mandarin, French, German, Italian, Spanish, Portuguese, and Japanese) PIER (Pollution Incident and Environmental Response) provides 24/7 access to crisis management specialists and service providers who respond to and help mitigate unplanned events/ incidents such as spills, leaks, fire, and explosion CyberEdge RiskTool and Autoshun provide state-of-the-art protection against unwanted cyber attacks and viruses Key Sectors Hotels/Hotel REITS. Amusement and Theme Parks. Casinos. Cruise Lines. Restaurants/Night Clubs. Resorts/Spas. Professional Sports. Entertainment/Film. BACK

55 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) AN INTEGRATED SERVICE PLATFORM APPROACH TO SEAMLESSLY ADDRESS THE EXTENSIVE EXPOSURES FACING PUBLIC ENTITIES While battling escalating costs and ever-changing legal, social, and political environments, public entities and their officials require risk management programs that are both comprehensive and cost-effective. We specialize in handling the risks that specifically concern public entities such as states, counties, towns, cities, and public transportation organizations and can provide a comprehensive and integrated risk management approach that best fits their needs. Property Market-leading property capacity, with limits up to $1.5 billion available for well protected, well managed risks Primary, excess, and ventilated capacity on a 100% quota share basis options Flexibility of coverage, admitted and non-admitted forms including Lexington manuscript, broker manuscript, and ISO forms, from the leading public entity underwriter in the U.S. Casualty Casualty limits up to $50 million available with the flexibility of occurrence, claims-made, and combined dual-trigger form options Coverage on a non-admitted basis with admitted options when appropriate Extensions specifically for public entities, including Lexington s Unmanned Aircraft Liability Extension, in addition to manuscript wording to address individual risk requirements Combined GL/Pollution form and endorsements specifically tailored for public entities arising from airports, schools, waste water treatment facilities, police/fire stations, waste disposal facilities, and other exposures Accident & Health Coverage for volunteers on a standalone policy slows for ease of extending coverage and associated savings for the client Coverage for participants attending an event hosted by a public entity, an exposure generally excluded by standard general liability policies Blanket Occupational Accident Insurance to help mitigate CAT loss exposures for clients undertaking a construction project with OCIP exposures Dedicated Risk Consulting and Engineering Services Our risk consulting and engineering service groups work with public entity clients to identify, assess, and mitigate risks specific to their sector. We provide specialized services in property protection to help our clients maintain their business continuity, global security, crisis management and response, transportation, environmental impact, and training, including: Construction risk management services that focus on worker and public safety for municipal building renovation and new construction (schools, public meeting buildings, and sports complexes), road construction, and public transit system construction Specialized industrial hygiene services for public area indoor air quality, asbestos, school chemical lab exposures, and toxic material handling A wide variety of telemetric systems including active driver monitoring and impact avoidance systems for municipal motor fleets A large variety of worker safety supporting services including operational and facility risk assessments, benchmarking loss analysis, ergonomic assessments, and safety program consultation Value-Added Services RiskTool Advantage is a web-based risk management platform that provides complimentary access to training resources, safety programs/policies, risk guides, and a global library with over 10,000 links to international references and standards on various subject matter and topics PIER (Pollution Incident and Environmental Response) provides 24/7 access to crisis management specialists and service providers who respond to and help mitigate unplanned events/ incidents such as spills, leaks, fire, and explosion CyberEdge RiskTool and Autoshun, provide State-of-the-Art protection against unwanted cyber attacks and viruses Claims Expertise Our responsive and exceptional in-house claims operation provides unparalleled experience, litigation solutions, and claims management resources for public entities. Support comes from a department of over 700 claims professionals, including a seasoned team of complex directors. Key Sectors Governmental organizations including municipalities; counties; state governmental agencies and joint power authorities (JPAs). Educational institutions including K-12 schools, community colleges, and state colleges or universities. Not-for-profit school, governmental, and religious organizations may be considered. BACK

56 INTRODUCTION KEY LINES OF BUSINESS INDUSTRY PRACTICE GROUPS (IPG) UNDERWRITING, CLAIMS, AND LOSS CONTROL EXPERTISE TO SERVE THE VARIED NEEDS OF THE REAL ESTATE INDUSTRY We provide clients with the tools needed to build an effective risk management system that can anticipate, evaluate, and control potential exposures. Our team of underwriters, claims handlers and loss control consultants work hand-in-hand to provide clients with a wide range of tools, programs, and best practices to help control the specific risks of the real estate industry. Coverages We offer comprehensive coverage options with enhancements designed specifically to address the unique needs of the real estate industry: Real Estate Property Primary, Excess, or DIC (difference in conditions) All risk cover, including boiler and machinery or named perils, available on broker manuscript, company, or ISO forms Unique coverage enhancements, including Upgrade to Green, Historic Rehabilitation Tax Credit, Zoning Restriction Protector, Lease Enhancement coverage,and Evacuation Response Optional deductible buybacks Property Performance Series now offers an exclusive real estatespecific admitted commercial property form with additional industryspecific coverage enhancements for our clients with over $25 million in total insured values Global Real Estate Property Terrorism (Standalone Terrorism insurance), covering certified and non-certified acts of terrorism for both United States and foreign locations (for U.S.-based entities) Available on primary and excess basis Responds to acts of terrorism committed domestically and acts perpetrated by either U.S. or non-u.s. citizens Tailor-Made General Liability, Workers Compensation and Employers Liability, and/or Auto Liability, and Physical Damage (combined or mono-line basis) Self-insured retentions, deductible programs, incurred and paid loss retros, captives, rent-a-captives, and fronts Flexible programs to allow cash flow for bundling and unbundling TPA services Broad coverage endorsements specific to real estate owners, operators, and management companies Real Estate Casualty endorsements and services Lex Idle Asset Liability Protector provides general and excess liability coverage to those entities that buy idle assets Lexington Owner s Interest Liability policy provides general liability insurance (excess of the general contractor s policy and subcontractors policies) for vicarious liability the landowner or developer can face during construction Green Reputation provides additional coverage for crisis management and defense costs when green buildings face media attention and public scrutiny Liquor Liability and Dram Shop Coverage Value-Added Tools and Resources Real estate clients benefit from our expertise and comprehensive resources that address the myriad exposures of the industry. We provide customized webinars, whitepapers, in-house training in conjunction with our broker partners, and symposiums, as well as: RiskTool Advantage is a web-based risk management platform that provides complimentary access to training resources, safety programs/policies, risk guides, and a global library with over 10,000 links to international references and standards on various subject matter and topics. RiskTool is available in eight languages (Chinese-Cantonese, Chinese- Mandarin, French, German, Italian, Spanish, Portuguese, and Japanese) PIER (Pollution Incident and Environmental Response) provides 24/7 access to crisis management specialists and service providers who respond to and help mitigate unplanned events/ incidents such as spills, leaks, fire, and explosion CyberEdge RiskTool and Autoshun provide state-of-the-art protection against unwanted cyber attacks and viruses Key Sectors REITs. Mixed use properties. Condos/multi-families. Office/warehouse/industrial complexes. Commercial real estate. Shopping centers/malls. BACK