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StartExceptional Coverage for Extraordinary Assets
An interactive digital guide to Private Client Group Home Insurance for Brokers
High Net Worth Home Insurance
2
WHY AIG? POLICY BENEFITS THE IDEALHNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION WHY AIG?
AIG’s Private Client Group Home Insurance offers comprehensive protection for what may be your High Net Worth (HNW) client’s most valued personal assets – their home and unique possessions including fine art and antiques, jewellery and wine.
We have released an enhanced wording that addresses the evolving needs of your clients and their family. The innovative coverage provides increased limits following a traumatic loss along with a comprehensive, tiered cyber insurance offering. As part of this enhancement, we have joined forces with leading incident response providers Crisis24 and CyberScout who offer 24/7 support for insureds and their family.
Further, our holistic approach to risk management provides peace of mind that the product will respond when your clients need it most. Find out more about Asset Protection Appraisal.
Our team has provided cover solutions that cater to the particular needs of high net worth clients since 2007 and we look forward to working with you.
1References to worldwide and world are subject to sanctions exclusions and in the case of Family SafeGuard, subject to excluded countries.
WORDING HIGHLIGHTS
Worldwide1 cover for Contents and Private Collections
Additional Rebuilding and Replacement Cost benefits for House and Contents
Up to $30M worldwide1 Personal Liability cover
Automatic cover for Family SafeGuard and Family CyberEdge
Prestige House and Contents Insurance for High Net Worth Individuals
WHY AIG?
We know what it takes to protect one-of-a-kind assets and high-end features
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WHY AIG? POLICY BENEFITS THE IDEALHNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION WHAT’S NEW
WHAT’S NEW
Our specialist underwriting team has worked hard to develop an innovative policy wording that goes beyond protecting just physical assets. Click each icon to discover the highly anticipated enhancements and new coverages.
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WHY AIG? POLICY BENEFITS THE IDEALHNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION THE IDEAL
HNW CLIENT
THE IDEAL HNW CLIENT
When it comes to risk appetite, there are a few guiding characteristics we look for in the ideal HNW client. Click each icon to discover some of the main elements that our underwriters consider.
The policy’s value proposition is better suited to the sums insured listed below. However, we will consider sums insured
from $1,000,000 for house and $200,000 for contents.
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CONTENTSPRIVATE
COLLECTIONSPERSONAL LIABILITY
FAMILY SAFEGUARD
HOUSE FAMILY
CYBEREDGE
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION
HOUSE
POLICY BENEFITS
Coverage FeaturesAdditional Rebuilding Cost
Costs to rebuild the home and other structures at the insured location even if it costs more than the sum insured, where Additional Rebuilding Cost is noted on the Policy Schedule.
Other Structures Up to 25% of the house sum insured for outdoor structures within the grounds of the insured location.
Garden & Landscaping Cover for losses caused by specific perils up to 5% of the house sum insured or 10% of the contents sum insured (if applicable), up to a maximum of $10,000 per tree, shrub or plant.
Trace & Access Coverage to locate the source of escape of water, oil or gas from any fixed tanks, apparatus, pipes or any fixed domestic heating or cooling installation.
Damage Caused By Pets We cover damage to the house, other structures or contents caused by pets.
Alternative Accommodation
We provide for all reasonable increases in living expenses if theprimary residence is uninhabitable due to a covered loss, up to 4 years.
We also cover alternative accommodation for pets.Alterations & Additions Automatic coverage for alterations and additions that have been
undertaken by a unit owner and are not covered under Strata or Body Corporate, up to 25% of the contents sum insured.
EnhancementNew coverage
HOUSE
Look for these symbols across each policy section to discover new or enhanced features.
This document is a guide only to policy benefits. Please refer to the Home Insurance Product Disclosure Statement for the full policy terms, conditions and exclusions.
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CONTENTSPRIVATE
COLLECTIONSPERSONAL LIABILITY
FAMILY SAFEGUARD
HOUSE FAMILY
CYBEREDGE
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION
CONTENTS
POLICY BENEFITS
Coverage FeaturesWorldwide Contents Coverage
Worldwide1 cover for personal property – including contents in storage and transit.
Replacement Cost Plus In the event of a total loss we provide a safety net of up to 125% of the contents sum insured (up to a maximum of $250,000) where Replacement Cost Plus is noted on the policy schedule.
No Allowance for Depreciation
Cover for full cost to repair or replace without deduction for depreciation.
Home Business Equipment Up to $50,000 or up to $75,000 for medical practitioners including vets.
Food Spoilage Reimbursement for food or wine in refrigerator, freezer or refrigerated wine cellar that is spoiled due to specified perils. Wine has a limit of $10,000.
Jewellery Limit Under Contents
Up to $25,000 per item and up to $50,000 per loss without the need for items under these limits to be specified.
Newly Acquired Items We cover newly acquired contents for 90 days after the date of purchase and up to 25% of the contents sum insured.
CONTENTS
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CONTENTSPRIVATE
COLLECTIONSPERSONAL LIABILITY
FAMILY SAFEGUARD
HOUSE FAMILY
CYBEREDGE
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION
PRIVATECOLLECTIONS
POLICY BENEFITS
Coverage FeaturesWorldwide Private Collections Coverage
Worldwide1 cover for items covered under the Private Collections section – including items in storage and transit.
Newly Acquired Items Automatic cover for recently purchased items for up to 90 days from the purchase date and up to 25% of the sum insured for that category. Jewellery has a sublimit of $100,000.
Market Appreciation Specified items are covered up to 150% of the agreed value, with a maximum increase of $200,000. Cover only provided if there is a valuation for the item that is less than 12 months old at the policy inception date.
Incomplete Fine Arts Coverage for costs incurred for fine art items that have been commissioned and cannot be completed, up to $200,000 where there is existing cover for specified fine art.
Defective Title Up to $100,000 or 50% of the purchase price (whichever is less) for a specified item due to defective or lack of title or charge or encumbrance.
PRIVATE COLLECTIONS
Tailored, worldwide coverage for your client’s most unique collections
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CONTENTSPRIVATE
COLLECTIONSPERSONAL LIABILITY
FAMILY SAFEGUARD
HOUSE FAMILY
CYBEREDGE
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION
PERSONALLIABILITY
POLICY BENEFITS
Coverage FeaturesWorldwide Personal Liability
Worldwide1 personal liability cover up to $30,000,000.
Credit Cards, Forgery & Counterfeiting
Reimbursement for up to $30,000 for loss following theft or misuse of credit or bank cards, forged or altered cheques and negotiable instruments.
Reversal of Damages We will cover interest payable on damages that have been awarded to the insured that have not been paid after 3 months, up to $50,000 per year (for a maximum of 3 years).
Golf Exposures Reimbursement for third party property damage, personal accident (up to $25,000), as well as Hole In One expenses (up to $1,000).
Transport for NSW Lease (NSW only)
We may provide cover for liability exposures arising out of jetties or pontoons up to $20,000,000 and where noted in the policy schedule.
PERSONAL LIABILITY
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CONTENTSPRIVATE
COLLECTIONSPERSONAL LIABILITY
FAMILY SAFEGUARD
HOUSE FAMILY
CYBEREDGE
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION
FAMILYSAFEGUARD
POLICY BENEFITS
Coverage FeaturesTraumatic Loss Expenses Cover for selected expenses incurred following a trauma which
commences during the policy period, including:• an act of terrorism;• aggravated burglary;• air rage;• assault;• car jacking;• child abduction;• detention;
• disappearance;• extortion;• hijacking;• kidnapping;• road rage;• stalking; or• threat.
Sublimits apply as per the policy wording.
Ransom Reimbursement for ransom paid as a result of kidnapping, hijacking or extortion which commences during the policy period.
Crisis Consultants We will cover the cost for Crisis Consultants to respond and provide assistance following a listed traumatic loss.
Disappearance Investigation Expenses
Coverage to investigate a disappearance which commences during the policy period, up to $100,000.
Threat Expenses Cover to assess or mitigate a threat which commences during the policy period, up to $100,000.
FAMILY SAFEGUARD
Greater protection from evolving real-world threats
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CONTENTSPRIVATE
COLLECTIONSPERSONAL LIABILITY
FAMILY SAFEGUARD
HOUSE FAMILY
CYBEREDGE
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION
FAMILYCYBEREDGE
POLICY BENEFITS
Coverage FeaturesCyber Loss Expenses Coverage for the following expenses following a cyber event
which commences during the policy period:• cyberbullying;• cyber extortion;• data restoration;• reputation management; or• identity fraud.Sublimits apply as per the policy wording.
Identity Theft & Cyber Resolution Services
Access to crisis management services including:• access to a 24/7 tollfree help line; • a personal fraud specialist in the event of a suspected or
actual cyber loss.
Proactive Tools Access to an an online cloud data backup and recovery solution for the duration of the policy period.
Additional Proactive Tools – Ultimate Coverage
Where the insured has elected to upgrade to Ultimate coverage, we will also provide access to an online subscription-based service that helps monitor a client’s credit status and dark web presence.
FAMILY CYBEREDGE
Forward-thinking and flexible cover, enriched by risk mitigation tools and services
11
WHY AIG? POLICY BENEFITS THE IDEALHNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION
OUR RISK MANAGEMENT
DIFFERENCE
Benefits of the Asset Protection Appraisal:
• Detailed assessment by our qualified Appraisal team to help confirm that the house sum insured is adequate.
• Risk management recommendations and specialist referrals to help clients initiate preventative measures including fire protection improvements, jewellery valuations and water damage prevention.
• We also work with you and your client to help establish if the existing contents and private collections sums insured provide appropriate protection.
We recognise your high net worth clients have unique exposures, which is why we offer in-depth risk assessment and appraisal services in addition to our broad policy coverage.
Asset Protection Appraisal
OUR RISK MANAGEMENT DIFFERENCE
Criteria for an Asset Protection
Appraisal:
• $3,000,000 House Sum Insured; and/or
• $1,000,000 Contents Sum Insured; and/or
• $500,000 Private Collections.
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OVERVIEW CASE STUDY
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION FAMILY
SAFEGUARD
OVERVIEW
FAMILY SAFEGUARD
Covered Expenses New LimitsCrisis Consultants No Limit
Disappearance Investigation Expenses $100,000
Loss of Income $50,000 for each person, up to a maximum of $75,000
Medical Fees $50,000
Professional Services $100,000
Ransom $100,000 reimbursement only
Reward $25,000
Security Costs $25,000
Threat Expenses $100,000
Travel, Accommodation & Meal Expenses $100,000
A client’s home is not the only asset they need protection for.
We have enhanced the Family SafeGuard section to cover expenses arising from the kind of traumatic events that keep your clients awake at night.
Introducing Crisis24
To further support our clients should a traumatic event occur, we work with crisis response specialists, Crisis24 (a trading name of NYA International Ltd).Our High Net Worth clients will benefit from a range of services provided by Crisis24 including:• access to a 24/7 Crisis Response Hotline to manage the impact of a
traumatic loss; and• an appointed Crisis Consultant to provide guidance in effecting a swift resolution
for your clients and their families when time is of the essence.
Crisis24’s primary objective is always the successful resolution of the crisis, to put our policyholders back in control
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OVERVIEW CASE STUDY
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION FAMILY
SAFEGUARD
CASE STUDY
Click on each icon for details of an incident that Crisis24 was able to mobilise and respond to on behalf of the victims and their family.
This case study is to illustrate Crisis24 capabilities only and is not intended as an example of the scope of Family SafeGuard coverage.
FAMILY SAFEGUARD CASE STUDY
14
COVERAGEADDITIONAL
BENEFITSOVERVIEW
SERVICE PROVIDERS
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION
OVERVIEW
FAMILYCYBEREDGE
As the prevalence of malicious cyber activity increases, protecting and improving your client’s cyber safety has never been more necessary.Your clients can now protect their online exposure with a standard inclusion through our new Family CyberEdge coverage. The coverage and additional benefits under this section are supported by award-winning cyber protection company, CyberScout, LLC.
Family CyberEdge has been carefully designed to provide all High Net Worth policyholders with the option of two levels of coverage, based on their individual circumstances and needs:
Family CyberEdge Premium – an automatic inclusion in all policies that provides a comprehensive level of cyber coverage for the client and their family Family CyberEdge Ultimate – for those who require additional protection, Ultimate provides optional extended coverage in addition to the features included under our Premium coverage.
Protecting Your Clients from Emerging Risk
OVERVIEW
Access innovative cyber insurance coverage combined with CyberScout’s award-winning cyber protection tools and services
Swiss Re found that individuals prefer cyber insurance solutions as an add-on to their existing insurance policies and 61% of individuals surveyed expected access to 24/7
technical assistance as part of the offering 2019 Swiss Re White Paper, Personal cyber insurance: Protecting our digital lives by Fabian Willi & Dr Maya Bundt
HACKDETECTED
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COVERAGEADDITIONAL
BENEFITSOVERVIEW
SERVICE PROVIDERS
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION FAMILY
CYBEREDGE
COVERAGE
COVERAGE
Family CyberEdge provides cover for reasonable and necessary expenses incurred for the most prevalent cybercrimes. Refer to the policy wording for details of the coverage, as well as any exclusions that apply.
Unique Solutions
Coverage Feature Premium Ultimate
Cyberbullying Expenses Up to $20,000 Up to $50,000
Cyber Extortion Expenses Up to $20,000 Up to $50,000
Data Restoration Expenses* An Excess of $250 is applicable to Data Restoration Expenses.
Up to $20,000 Up to $50,000
Identity Fraud Expenses Up to $50,000 Up to $50,000
Reputation Management Expenses Not Included Up to $50,000
34.9% of victims of cybercrime were refused credit following the incident. 11.2% had legal action commenced against them.
2017 Australian Institute of Criminology “Identity crime and misuse in Australia”
16
COVERAGEADDITIONAL
BENEFITSOVERVIEW
SERVICE PROVIDERS
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION
ADDITIONALBENEFITS
FAMILYCYBEREDGE
ADDITIONAL BENEFITS
All policyholders are eligible to enrol in a range of preventative tools designed to increase their cyber security. These are detailed under the Additional Benefits section of the Family CyberEdge coverage within the policy wording.
Proactive Protection
Additional Benefits – Provided on our behalf by CyberScout Premium Ultimate
Identity Theft & Cyber Resolution Services Included Included
Data Backup & Recovery Software Included Included
Credit & Dark Web Monitoring Not Included Included
25.9% of victims don’t know how their information was obtained.Private Client Group can help protect your client’s personal information online.
2017 Australian Institute of Criminology “Identity crime and misuse in Australia”
17
COVERAGEADDITIONAL
BENEFITSOVERVIEW
SERVICE PROVIDERS
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION FAMILY
CYBEREDGE
SERVICEPROVIDERS
SERVICE PROVIDERS
Since 2003, CyberScout has protected consumers, businesses and institutions alike against hackers, thieves and human error. In the event of a loss, policyholders can enjoy instant peace of mind with experienced advocacy and guidance to get your life back on track.
CyberScout’s 24/7 Resolution Centre is contactable on 1800 517 117 and can help:• guide you through remediation of your case, from first call to resolution;• provide proactive assistance to protect from cyber events before they happen; • recover lost assets and affected accounts, restoring your identity.
AIG is pleased to include CyberScout subscription services as a standard policy inclusion providing clients with:
• award-winning and practical cybersecurity solutions;• trusted global identity defence and resolution services and support; and• unlimited access to CyberScout’s dedicated team of remediation experts.
Download FAQs
The Knowledge Centre Access the dedicated AIG HNW Home Insurance knowledge centre at pcgcyberedge.mycybercentre.com/en/
Despositit is a worldwide provider of cyber protection services including automatic back-up, cloud services and endpoint protection. All High Net Worth clients have access to the military grade, automated online backup service with Despositit under both Premium and Ultimate levels of cover.
Equifax is a leading provider of credit information and analysis in Australia committed to helping you understand and better protect your credit history. Clients can benefit from proactive monitoring with Equifax when Ultimate coverage is selected.
Our Cyber Protection Service Providers
AIG and CyberScout have joined forces to provide leading cyber insurance coverages combined with CyberScout’s premium cyber
protection services.
CyberScout’s 24/7 Identity Theft & Resolution Services have maintained customer satisfaction levels of 98% for 8 years.
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WHY AIG? POLICY BENEFITS THE IDEALHNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION DOING BUSINESS
WITH AIG
{ {Doing business with AIG High Net Worth is simple. Our underwriting hub is designed to service brokers across all states in Australia – it’s as easy as picking up the phone or sending an email. Click on the icons below for more information on placing new or renewal business.
DOING BUSINESS WITH AIG
Important information for New and Renewal business: Accessing advanced security tools, premium software and proactive alertsThe additional benefits provided via CyberScout cannot be activated until an email address is provided for subscription. Contact your AIG representative if you have any questions or concerns. AIG and CyberScout strictly adhere to all relevant data privacy laws.
19
OVERVIEW HOW TO MAKE
A CLAIM
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION CLAIMS
OVERVIEW
You can have confidence when recommending a High Net Worth policy that we stand ready to help your clients recover quickly when the unexpected occurs.
Our specialised claims team comprises individuals with many years of experience in the luxury asset space. Building upon our local, high net worth expertise, we’re backed by a global network of claims and market experts to support you when your client faces a loss.
Our client had spared no expense in sourcing bespoke high-end tiles as a finishing touch to her recent renovation. Unfortunately a storm wreaked chaos on the property, causing damage to the much cherished tiles. Our claims team worked tirelessly with the client’s interior designer to source the replacement tiles. In collaboration with the interior designer, we were able to source the rare and exact tiles from the original distributor - bringing the home back to its ‘pre-loss’ opulence.
Going above and beyond collaboratively to ensure the client’s home was honoured and resinstated to the level of its previous finish resulted in a heartfelt letter of gratitude from the insured, who appreciated our willingness to take whatever steps necessary.
We go beyond a one size fits all claims process for high net worth clients and strive to exceed expectations by providing an efficient, proactive and seamless experience.
Based on the complexity and nature of a claim, we ensure we get it to the right expert with the appropriate experience, fast. For all losses, you have the advantage of dealing directly with a decision-maker, supported by a claims management team who will ensure you’re satisfied with the progress of the claim every step of the way.
Our High Net Worth Claims Operation is One of OurGreatest Strengths
Case Study: A Collaborative Approach ToSourcing Unique Materials
A Tailored Experience With Dedicated Support
OVERVIEW
Our claims team is purely dedicated to the high net worth segment. Our end-to-end management of claims allows familiarity, knowledge and trust
20
OVERVIEW HOW TO MAKE
A CLAIM
WHY AIG? POLICY BENEFITS THE IDEAL HNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION CLAIMS
HOW TO MAKEA CLAIM
Due to the diverse nature of our High Net Worth Home Insurance policy, we have dedicated, specialist services that will respond in the event of a claim. It is in the client’s best interest to contact the most relevant team in the event of a claim - as outlined below.
Contact our High Net Worth claims team, who specialise in providing a unique claims management
experience for your high net worth clients.
T: 1800 729 359 (toll free)E: [email protected]
Contact the 24/7 Crisis24 Hotline as soon as you or your client thinks a traumatic event is about to or
has occurred.
T: +1 817 826 7000 (reverse charge)
Contact the 24/7 CyberScout Resolution Centre as soon as you or your client thinks a cyber event
has occurred.
T: 1800 517 117 (toll free)
Home, Contents, Private Collections and Liability
Family SafeGuard Family CyberEdge
HOW TO MAKE A CLAIM
In our experience, our Brokers and their clients achieve a greater outcome when engaging our Claims Team or third-party specialists within 24 hours of a loss.
24
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WHY AIG? POLICY BENEFITS THE IDEALHNW CLIENT
WHAT’S NEW OUR RISK
MANAGEMENT DIFFERENCE
FAMILYCYBEREDGE
FAMILYSAFEGUARD
DOING BUSINESS WITH AIG
CLAIMS FOR MORE
INFORMATION FOR MORE
INFORMATION
FOR MORE INFORMATION
Family CyberEdge additional resources
Visit aig.com.au/family-cyberedge for a range of useful documents.
Access our Policy Wording & PDS Or contact us via email:
Quotes & New Business [email protected]
Endorsements, Renewals and all other queries [email protected]
American International Group, Inc. (AIG) is a leading global insurance organisation. Building on 100 years of experience, today AIG member companies provide a wide range of property casualty insurance, life insurance, retirement products, and other financial services to customers in more than 80 countries and jurisdictions. These diverse offerings include products and services that help businesses and individuals protect their assets, manage risks and provide for retirement security. AIG common stock is listed on the New York Stock Exchange.
Additional information about AIG can be found at www.aig.com.au | YouTube: www.youtube.com/aig | Twitter: @AIGinsurance | LinkedIn: www.linkedin.com/company/aig.
This document is provided as a general overview of the subject matter and should not be taken as providing any specific advice, legal or otherwise, or relied upon to determine policy coverage. Please refer to the Home Insurance Product Disclosure Statement for more information and the full policy terms, conditions and exclusions. Availability and terms and conditions of coverage are subject to underwriting and application criteria. Information shown is subject to change. In Australia insurance is issued by AIG Australia Limited ABN 93 004 727 753 AFSL No 381686. © 2020
We combine international experience with local expertise. Our worldwide perspective offers the benefits of global experience and anticipation of emerging risks while our local presence provides you with access to professionals who understand your unique market needs. Our underwriting hub has technical expertise and underwriting authority to assess risks nationwide. Visit aig.com.au/pcg for more information and resources or select from the direct links below.
