North America Accident & Health Insurance: …...North America General Insurance Aerospace Claims 24/7 access to dedicated aviation adjusters and attorneys located in the UK, U.S.,

Accident & Health Insurance: Corporate Markets

Why AIG

AIG Assist AIG wholly owns AIG Travel, a provider of travel assistance services worldwide, and since travel assistance is embedded with the BTA program, clients have access to end-to-end comprehensive coverage and travel assistance services.

In the event of a medical emergency or unexpected travel problem, traveling employees have 24/7 access to our global state-of-the-art service centers.

Comprehensive & Flexible Coverage With a single point of contact, your employees can access a range of coverage that meets the unique needs of your organization:

• Out-of-Country Medical• Security Evacuation• Emergency Medical Evacuation• Travel Assistance Services AIG’s BTA

insurance can help fill gaps left by other plans, cover spouse and dependents.

TechnologyClients are provided access to a dedicated AIG Travel assistance website and mobile app to ensure effective travel risk management. Whether it’s prior to travel, during the trip, or after the return home, travelers have convenient access to in-depth travel, security and health information. Additionaly, we recently added Location Safety Ratings provided by GeoSure® indicate risk conditions on overall safety, physical harm, women’s safety, theft, LGBTQ+ safety, political freedoms, and health for various locations within cities around the world.

Plan Highlights Business Travel Accident (BTA) insurance helps employers demonstrate and reinforce their commitment to the safety and well-being of their traveling employees by helping to meet their “duty-of-care” obligations

Offers proactive and integrated technology solutions such as end-to-end travel risk management

Includes 24/7 access to the AIG Travel Assistance website and mobile app that provides traveling employees with emergency contacts, travel risk training, important travel security and health information, and country/city guides available any time

Offers Multinational coverage, AIG is among a select group of carriers with the ability to structure a BTA Controlled Master Program that includes local policies in countries where required by regulation, and where many clients have exposure. AIG utilizes its global coverage network in 215+ countries and jurisdictions to deliver multinational capabilities.

Learn more: www.aig.com/whyAIG

The AIG* Advantage

Problem Solvers

A client sought to align its multi-country coverage with a single

point of contact for claims.

SolutionChallenge Benefit

Creative Solutions

The client was looking for multiple lines of business coverage during

a challenging renewal.

A frequent business traveler lost some items during air travel. The client contacted AIG to file a claim and was pleased with the handling of the matter, describing the entire

process as “flawless.”

AIG worked across the organization to provide the client with the desired coverage,

along with standalone Business Travel Accident insurance.

By communicating strategy and renewal changes early on, AIG further solidified this broker and client relationship and found a

solution that met the client’s needs.

The client was able to have a single point of contact for claims and

benefitted from AIG’s enhanced claims management

system.

AIG worked with the client over three years to build upon the foreign casualty

relationship and added a controlled master Business Travel Accident program.

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Claims Expertise

National LeadershipDrew BambrickHead of Corporate Markets, U.S. Personal Accident

Cristiane ChiacchioAmericas Head of Personal Accident

For costs and complete details of coverage, contact Drew Bambrick at [email protected].

The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company with its principal place of business at 175 Water Street, 15th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. If there are any conflicts between this document and the Policy, the Policy shall govern in all cases. Coverage may not be available in all states.

*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 www.aig.com. All products and services are written or provided bysubsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all states or countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties.

For Agent/Broker Use Only. Not for Public Distribution or Solicitation.

Accident & Health Insurance: Specialty Markets

Expertise AIG offers customized Accident and Health coverage solutions to help address the inherent risk of injuries that may come about during various activities.

With over 50 years of experience in Accident and Health, AIG is able to underwrite traditional and non-traditional accounts.

ClaimsDedicated customer service and claims staff experienced in handling both simple and complex claims.

AIG Travel AIG wholly owns AIG Travel, a provider of travel assistance services worldwide. Because travel assistance services can be embedded with the Specialty accident insurance programs offered, clients have access to end-to-end coverage. In the event of a medical emergency or unexpected travel problem, they are never more than a phone call away from our global state-of-the-art service centers operating 24/7.

What is Participant Accident and Group Travel?Providing coverage for members of organizations participating in policyholder sponsored and supervised activities or traveling abroad.

24/7 Travel Assistance, including: medical assistance, security assistance, worldwide information, concierge services and identity theft assistance (where available).

Accident insurance can complement an organization’s general liability policy by filling in gaps that may exist, and/or by offering broader limits.

The AIG* Advantage


For costs and complete details of coverage, contact Nicole Pitney at [email protected].

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Why AIG

Problem Solvers

Two new Education market clients were looking for intercollegiate sports

accident coverage.


Creative Solutions

Three colleges and universities sought intercollegiate sports accident coverage.

A high school football player suffered a catastrophic injury during a school-sponsored event, resulting in paraplegia. The policy that had been issued to the school contained a 5 year benefit period, which will help this player’s family by covering

some of the out of pocket costs not covered under their primary health plan. The family appreciates the high-level service received from the claims adjuster and the payment of some of these out of pocket costs.

AIG worked side by side with a long-time Education market partner to provide

intercollegiate sports accident coverage to all three colleges and universities.

The Education market partner was satisfied with AIG’s handling of

this win and is looking forward to continue to grow this partnership.

AIG provided the client with the needed coverage and expanded its

portfolio in a key specialty area.

AIG provided coverage with tailored solutions, priced appropriately.

Claims Expertise

National Leadership

Cristiane ChiacchioAmericas Head of Personal Accident

Nicole PitneyHead of Specialty, US Accident and Health

The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company with its principal place of business at 175 Water Street, 15th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. If there are any conflicts between this document and the Policy, the Policy shall govern in all cases. Coverage may not be available in all states.

*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 www.aig.com. 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 states or countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties.

For Agent/Broker Use Only. Not for Public Distribution or Solicitation.

North America General Insurance Aerospace

Claims24/7 access to dedicated aviation adjusters and attorneys located in the UK, U.S., Singapore and more.

50% advance of an agreed loss estimate for property damage, clean-up costs and extra expense within 7 days of a covered event.

Multinational World-class multinational expertise, solutions and service delivery in a globally consistent and seamless fashion.

One of the largest global networks in the industry, spanning 215+ countries and jurisdictions.

Coverage Flexibility Local, global and controlled master programs.

Quota share placements to provide capacity in a lead or following position.

Highly customized coverage to meet the unique needs of individual insureds.

What is Aerospace?Innovative aerospace insurance provider for 70+ years offering a variety of aviation insurance solutions.

Hull and liability coverage up to $750M in limits and $100M in agreed to hull value for owners, operators and aircraft management companies of most general aviation classes of business.

Aviation liability coverage for aviation product manufactures, non-owned aviation, small to large airports, and private and corporate aviation.

Specialized workers’ compensation units available and tailored to size of business.

Up to 15% of $2.5B limit of liability available on airline risks in a leading or following position.

The AIG Advantage

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Why AIG

Problem Solvers

A broker was having issues finding stable capacity for a loss free operator since the previous carrier withdrew from

the aviation market.


Creative Solutions

A multinational manufacturer was expanding operations in Latin America and Asia Pacific. Its insurer did not have licenses in the required jurisdictions or

access to local partner carriers.

AIG offered a multinational controlled master program with a U.S. master policy and foreign (local) DIC/DIL underlying policies endorsed to the master policy.

With decades of experience and dedicated multinational experts

worldwide, AIG helped the client achieve their risk, governance and

contract certainty objectives.

Due to AIG Aerospace’s underwriting acumen, the

broker was able to deliver a comprehensive, secure and stable

product to meet the customer’s needs.

AIG was able to provide a customized lead quote offering terms to help the broker secure

enough following capacity to complete the placement.

The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a description of the scope and limitations of coverage. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional in formation, please visit our website at www.aig.com. 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.

A U.S. citizen traveling from Texas to Guatemala on business lost power,

crashed into a building & was retained by Guatemalan authorities.

After the insured contacted his broker for assistance, AIG Companies’ claims

adjustor promptly provided the Guatemalan authorities with required information to allow

the insured’s release and return to the U.S.

AIG Companies’ rapid response and claims handling allowed the insured to return to the U.S. along

with his aircraft, avoiding jail time or any further actions by Guatemalan

authorities.

Claims Expertise

National Leadership

Ted GreenGlobal Head of Aerospace Claims

Jordan LanfordHead of Aerospace, North America

Laurence KovacsVP of Branch Operations, Aerospace, North America

Learn more: www.aig.com/whyAIG-aerospace

AIG Risk Management (AIGRM®)

Why AIG

AIGRM Safety & Analytics ManagementTailored benchmarking and loss cause insights help reduce total cost of risk and maximize insurance investment.

Customized Collateral Solutions AIGRM dedicated credit experts assist risk managers, CFOs and treasurers structure flexible collateral forms to meet liquidity and capital needs.

Structured transition programs are available to assist clients with moving an insurance program to AIGRM.

Claims Account ManagementUnique benchmarking and loss cause insights help reduce total cost of risk and maximize insurance investment.

Bundled or unbundled claims options with responsible and accountable oversight and service.

The AIGRM Advantage

Problem Solvers

After being non-renewed for a multi-million dollar workers’

compensation claim, a transportation company looked to change from

a guaranteed cost program structure to a deductible program.

National Leadership


Creative Solutions

A real estate company’s current workers compensation insurer was unable to

provide flexible credit arrangements for its multiple entities.

A client was looking for flexibility in choosing an unbundled claims

approach based on lines of business.

AIG worked closely with the client’s broker to structure a creative solution to fit the organization’s unique organizational

structure and strategies.

AIG’s expertise and experience led to a quick solution that met the

client’s needs.

AIG provided stellar service and attention to detail during the quoting process as well as industry leading

loss prevention services.

AIG bound a $250,000 deductible option on the automobile liability and workers’

compensation programs with a $2 million combined single limit.

AIGRM offered the client flexibility in choosing their claims administration partners

and accommodated the client’s long standing relationship with their unbundled WC Third Party Administrator while also

bundling claims handling for their auto and general/product liability program.

The client was able to maintain consistency on the WC program and to take advantage of AIG

Claims’ expertise and familiarity in handling complex general/product

liability claims.

www.aig.com/whyAIG

Jay LefkowitzPresident, AIGRM

William RablChief Executive Officer, AIGRM

Gary ShertenliebMarketing & Distribution, AIGRM

Claims Expertise

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What is AIGRM?Customized workers’ compensation, automobile liability and general liability/products liability program structures for sophisticated organizations that retain portions of their risk via deductibles, self-insured retentions (SIRs), captives and retrospective programs, as well as the ability to utilize large guaranteed cost programs ($2M or more in guaranteed cost programs).

Alternative risk structures include captives, closeouts, retrospective loss portfolio transfers or structured finance solutions.

Expertise in creative and flexible solutions around complex risks, spanning a variety of industries, including , but not limited to, bankruptcy opportunities.

Coordinated integration into AIG’s umbrella/excess and foreign casualty platforms, including primary limits, attachment points and worldwide coverage.


The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a description of the scope and limitations of coverage. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional in¬formation, please visit our website at www.aig.com. 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.

North America Cyber Insurance

Claims Capabilities In-house, dedicated claims team handles nearly six cyber claims per business day and has paid over $400M in claims in the U.S. since 2007.

Collaboration between claims and underwriting ensures coverage is continuously updated to address current and emerging exposures.

The AIG Advantage

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Why AIG

Problem Solvers


Creative Solutions

A mid-sized company was notified that its property insurance provider would no longer cover physical damage caused

by a cyber event.

AIG met with the broker and client to discuss primary first-party property

damage and property network interruption coverage via AIG’s

CyberEdge Plus insurance policy, which the client ultimately purchased.

The insured filled a key coverage gap, receiving greater certainty that it had insurance coverage for its physical

cyber exposure.

A successful phishing attack left an insured’s computer network infected with ransomware. Several servers on the insured’s network were encrypted

and the threat actor demanded $200,000 for a decryption key.

The insured reported the matter to AIG Claims, which coordinated the retention of law and forensics firms. The forensic firm determined that no files had been infected and restore data from backup files. After consulting with authorities,

the law firm determined that no formal notifications were necessary.

The insured was supported by AIG’s Cyber claims team and our relationships with specialized legal and forensic firms

to help facilitate their response to the event and return to full operations. The insured did not pay the ransom and the legal and forensic work was covered by

the CyberEdge policy.

Claims Expertise

What is Cyber Insurance?Affirmative coverage options for financial and tangible losses resulting from a cyber event on a primary (CyberEdge® or CyberEdge Plus) or excess/difference-in-conditions (CyberEdge PC®) basis.

Coverage is available through a standalone policy or as part of select property or casualty policies from AIG.

Available limits up to $100M (varying by coverage) and no minimum retention.

Client’s threat profile, business impact and cybersecurity controls are evaluated as we underwrite the account to determine tailored terms and conditions offered.

Broad appetite across industries, entity types, revenue sizes and geographies.

Visit www.aig.com/whyAIG-cyber for more information.

Cyber Leadership

Michelle FayloNorth America Head of Cyber

Tracie GrellaGlobal Cyber Practice Leader

Rob Jones Executive Vice President of Financial Lines Claims

A large university insured sought greater certainty about what would be covered

and what would not if faced with a cyber event.

The insured has greater certainty of coverage to help it clearly and

confidently communicate to its board how its AIG policies will respond.

Additionally, AIG’s Cyber claims team can offer support if they experience,

or just suspect they’ve experienced, a cyber event.

AIG’s affirmative cyber strategy helps clients to clearly understand and

communicate with key stakeholders about how their AIG policies will respond to a

cyber event.

Phil Kibler Head of Cyber Risk Advisory Services

Cyber Maturity AnalyticsTailored analytics on threat profile, control effectiveness and peer benchmarking help clients better understand their cyber maturity and coverage; basic information available for applicants even if they do not bind coverage.

CyberMaticsSM helps clients continuously verify cyber risk posture, prioritize improvements and make better investment decisions in cybersecurity programs as cyber risks change.

Cyber Loss Prevention Eligible policies include preventative services valued at up to $25,000, including employee eLearning, phishing simulations, domain protection, blacklist IP blocking, infrastructure vulnerability scanning and more.


North America Defense Base Act (DBA) Insurance

Claims40+ dedicated claims professionals speak 20+ languages. Claims can be paid in 135+ currencies and foreign currency bank transfers remitted to 180+ countries.

Managed medical savings program encompasses vast network of preferred providers and diagnostic testing and therapy facilities.

In-house attorneys are experienced in DBA Litigation and War Hazards Compensation Act.

Medical Evacuation ServicesEight integrated service centers across six continents to respond to medical, security and travel needs around the clock and in 170 languages.

Access to hundreds of thousands of medical providers worldwide and 300+ air ambulance and medical transport providers.

Physicians board-certified in emergency medicine and other specialties have critical care, clinical and triage experience available 24/7 over the phone to coordinate with medical case managers and insured’s physician for emergency medical needs.

Unparalleled ExperienceAIG is one of few carriers with the necessary expertise and network to help protect U.S. government contractors — no matter where in the world their job takes them.

We’ve seen more DBA claims since 2001 than any other carrier.

The AIG Advantage

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Why AIG

Problem Solvers

A client sought coverage for employees traveling overseas

the following day on a government contract.


Creative Solutions

A client engaging in a new government contract in the Middle

East sought coverage that their current carrier would not underwrite.

AIG’s broad underwriting appetite allowed us to quote the exposure and

issue a policy to cover this and future contracts.

Supported by AIG’s multinational expertise, solutions and service, the client obtained the coverage

needed to protect workers traveling to the Middle East.

The client was able to satisfy the contract and had peace of mind

knowing they were protected from potential lawsuits from

injured employees.

AIG underwrote, quoted and bound the policy in one day and provided the needed coverage for the workers when

they traveled for the contract.

A client’s employee was severely injured in Nepal and no adequate medical services were available.

AIG Claims, in conjunction with AIG Travel, was able to medivac the injured employee

to Dubai for emergency medical intervention and stabilization and subsequently

repatriated the employee to their home country for recovery/rehabilitation.

The client was reassured that AIG had the capabilities

to handle this remote and complex injury situation.

Claims Expertise

National Leadership

Candi Gainer Global Claims International Account Manager

Bert IamsHead of Defense Base Act

What is DBA?Federal workers’ compensation benefits for employers of all sizes requiring coverage under a government contract; available through either retail or wholesale brokers.

Programs can be enhanced with other foreign coverages including those within WorldRisk® Foreign Package and Business Travel Accident.

Expedited turnaround times are provided for new business quotes.

Policy solutions in all countries for almost all job classifications can be secured.

Visit www.aig.com/whyAIG-dba for more information.

James BarbutiHead of North America Multinational Casualty

Barbara LuckHead of North America Casualty

North America General Insurance Energy Property

Why AIG

What is Energy Property?AIG provides brokers with admitted and non-admitted specialized property insurance solutions for their oil rig (upstream), oil & petrochemical, chemical, power generation and mining clients’ insurance needs.

Specialized knowledge and insights based on firsthand energy industry experience to help clients make better-informed decisions.

Broad, flexible appetite; open to risks on a shared, layered or excess basis.

Availability of capacity and shared, layered or excess positioning depends on risk quality, occupancy hazards, client commitment to risk management principles and loss experience.

• Up to $500M in capacity for onshore business and up to $300M in capacity for offshore (Oil Rig) business available.

Problem Solvers

A mining client with multinational exposure wanted to make sure its

property insurance program did not include any business interruption

coverage gaps.

National Leadership



Creative Solutions

The broker was looking for an insurer with industry expertise to help

address a client’s cavern storage risk exposures.

A client suffered a catastrophic failure of a gas turbine generator. AIG was

on site the next morning with a consultant engineer to help begin assessment and mitigation efforts.

AIG’s risk engineers provided an on-site and in-office consultation with the client and broker. Based on the risk engineers’ analysis, AIG quoted a highly customized solution that

precisely fit the client’s needs.

AIG demonstrated that it understood the client’s unique exposure and could meet the client’s complex

needs moving forward, and bound the account.

AIG was able to ensure the client had proper coverage and even

helped fill in gaps to enhance their multinational program.

AIG modeled several different options and collaborated with its technology team to quantify the clients’ business interruption

exposures.

To support an ambitious schedule to replace/rebuild, AIG led the insurance panel to make a very substantial early

payment to accommodate the high level of funding required to expedite the delivery of

the new unit.

Due to AIG’s fulfillment of the AIG Property Claims Promise, the new

turbine was delivered and installed ahead of schedule.

John E. Roberts VP, Specialty, Energy and Construction Claims

Warren MeigsHead of NA GI Energy

Paul HartProperty Risk Engineering Lead, NA GI Property

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Claims Expertise

The AIG AdvantageCoverage Flexibility Claims Promise Multinational Risk EngineeringBroad all risk property damage and business interruption coverage (including boiler and machinery) available.

Customized programs with coverage and risk engineering services tailored for specific onshore or offshore industry segments available.

After coverage is confirmed, we will advance our policyholders up to 50% of an agreed loss estimate within 7 days, giving them the immediate working funds they need for property damage and repairs, clean-up costs and extra expenses.

The team of dedicated property claims adjusters has 20+ years of experience on average.

World-class multinational expertise, solutions and service.

Service delivery in a globally consistent and seamless fashion through one of the largest global networks in the industry, spanning 215+ countries and jurisdictions.

Multidisciplinary team of property risk engineers with decades of industry experience who help mitigate catastrophic and business interruption loss via:

• Assessments based on deep knowledge to meet the needs of each client.

• Evaluations and best practices for unique, complex, renewable and emerging process occupancies.



North America Environmental Insurance

Product Creativity & FlexibilityStrategically positioned underwriting teams in 14 U.S. offices for optimal client support and product insights.

35+ years of proven environmental underwriting subject matter expertise.

Flexible program design, including the ability to combine industry-standard CGL coverage with added insuring agreements for pollution-related coverages and cyber liability via EAGLE.

Risk Consulting & ClaimsIn-house, industry-focused claims professionals help provide prompt resolutions and keep pace with loss trends.

Assistance with emergency response, crisis management and control of costs via PIER (Pollution Incident and Environmental Response)®.

Dedicated, in-house engineers with 15+ years of insurance and environmental consulting experience assist clients and underwriters with risk management program evaluation.

Global ReachExpertise, solutions and service delivered in a globally consistent and seamless fashion through one of the largest global networks in the industry, spanning 215+ countries and jurisdictions.

The AIG Advantage

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Why AIG

Problem Solvers


Creative Solutions

A client was incurring significant fees for their use of emergency response

contractors, who often charge higher fees for after-hours responses and for clients that don’t have a pre-

negotiated contract.

The client added AIG’s PIER number to their emergency response

protocols so every time a contractor was used, it was done through the

PIER network of contractors.

The client reduced costs by using PIER’s nationwide network of

pre-screened emergency response contractors, environmental

specialists and crisis management firms with pre-negotiated rates.

A client entered a new country and discovered they needed a locally admitted policy and

local certificate of insurance for environmental liability.

The placement allowed the client to keep their business running without

interruption and/or fines.

With AIG’s global network, we were able to place coverage locally, meeting the placement requirements of that country,

including the requisite certificate.

A large commercial contractor client pursues and bids on numerous

projects as standard practice. In order to be competitive in the time-sensitive bidding process, the client requires accurate and expeditious

insurance cost estimating.

AIG created a streamlined project program quoting process so that the

necessary pricing and coverage requirements could be provided to the client in time for their bid submissions.

The client was more successful in the project procurement process due to AIG’s direct underwriting

support to help create risk management efficiencies.

Claims Expertise

National LeadershipKerry SimonHead of North America Environmental


George HolderiedSenior Vice President

of North America Environmental

Michelle DudekChief Underwriting

Officer of North America Environmental

Shirleen LaubenthalRisk Consulting

Leader, Casualty Risk Consulting

What is Environmental?Contractors Pollution Liability (CPL) coverage for third-party bodily injury, property damage or environmental damage claims resulting from pollution conditions caused by covered operations (such claims are often left uncovered by standard GL policies); limits available up to $75M.

EAGLE Program combines standard GL coverage with pollution-specific coverage for exposures arising from on-site premises, products or off-site premises operations.

• Cyber liability available by endorsement.

• Commercial auto and excess limits available with a primary EAGLE policy.

TankGuard® Storage Tank Liability coverage for corrective action, clean-up and third-party bodily injury and property damage claims resulting from pollution conditions from scheduled storage tank systems.

Visit www.aig.com/whyAIG-environmental for more information.

Over five decades of underwriting umbrella and excess casualty insurance has taught us the importance of collaboration across underwriting, claims and risk consulting. We build on this collaboration to coordinate delivery of client-specific solutions and outstanding claims services, including:

North America Excess Casualty Insurance

Industry-specific risk consultants who work closely with underwriters to analyze both small and complex risks and craft solutions for insureds.

Market-leading policies and coverage enhancements, with the ability to customize coverage where needed.

Seasoned Excess Casualty claims professionals, 70% of whom are attorneys and who average more than two decades of experience, work side-by-side with clients in the event of a severity claim.

Our pioneering CrisisResponse® coverage, which, in the event of a casualty crisis, provides additional policy sublimits, access to leading crisis management firms and 24/7 support from our in-house claims specialists.

Seamless account integration that dovetails with AIG’s foreign and domestic casualty platforms, including primary limits, attachment points and worldwide coverage.

Locally admitted policy limits available globally via AIG’s Passport platform, with local claims paying ability, evidence of local limits and compliance with local premium tax.

The AIG Advantage

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Why AIG

Problem Solvers

A large fast food chain sought continuity of its primary casualty and

umbrella programs.


Creative Solutions

A major manufacturer of technology products sought an excess program

with global capabilities.

AIG proposed a comprehensive excess casualty program via its multinational

Passport platform that complemented the client’s existing primary and foreign casualty

coverage with AIG.

Passport for Excess Casualty enabled the client to retain a

seamless global program with local claims paying ability, evidence of local limits and compliance with

local premium tax.

The client benefits from seamless claims support between primary and excess casualty, as well as

consistent and cohesive coverage terms and conditions across its primary and excess casualty

programs.

Excess Casualty worked closely with AIGRM® to craft a competitive, all-AIG solution for the client’s primary workers’

compensation, automobile liability, general liability and umbrella.


National Leadership

Michael KirchgessnerHead of North America Excess Casualty


What is Excess Casualty?Admitted and non-admitted excess casualty solutions and capacity for clients working with retail brokers.

Continued appetite for lead umbrella with an additional focus on mid excess and high excess placements for a broad range of accounts.

Up to $100M of total capacity is available on an individual account basis, subject to individual account underwriting.

Classes of business: broad appetite other than pharmaceuticals, invasive medical products, residential construction, New York construction attaching below $25M and low attaching trucking or residential real estate business.

Offices located in the U.S., Bermuda and London meet our clients’ unique needs.

Visit www.aig.com/whyAIG-excess-casualty for more information.

Shirleen LaubenthalCasualty Risk Consulting Leader

Peter MacdonaldHead of North America Casualty and Workers’ Compensation Claims

Claims Expertise

In a high exposure claim matter that involved very serious injuries, a co-defendant resisted fulfilling

their obligation to our client with the additional insured coverage that they

owed under contract.

AIG’s Excess Casualty claims professionals evaluated the client’s exposure and

established a strategy to defend the insured if necessary, while also pursuing a coverage dispute on behalf of the client against the co-defendant, leading to the client receiving the

owed additional insured coverage.

The client had the peace of mind of that they were protected under

their umbrella policy while having a partner by their side supporting them to get the risk transfer it was owed,

ultimately resulting in settlement with no exposure to the client.

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Why AIG

Problem Solvers

The client, a manufacturer of produce processing equipment,

was seeking coverage for equipment that it owns and

leases to operating companies around the world.

SolutionIssue Benefit

Creative Solutions

An insured motor carrier recently completed an acquisition of

a logistics firm that had many existing contracts and property

and warehouse exposures.

An insured construction company sustained a loss to a brand new

excavator on a Friday. The loss was submitted by the insured three days

later, indicating it was critical to have the unit inspected and repairs started.

AIG utilized our personal property evaluation tools and logistical expertise in contract evaluation to put together a combined program for the insured and

the acquired firm.

The insured benefitted from consistent deductible application

across the program, as well as cross-docking sublimits, assuring

seamless coverage across the entities and operations.

The insured benefitted from being covered under one global program, which included loss of rental income accruing for the leased equipment.

AIG provided coverage under a global program for the leased equipment.

Claims Expertise

North America Leadership

Ricardo McQuattieSenior Marine Claims Officer

James NevilleHead of Marine Loss Control Engineering, North America

Michael NukkHead of Marine, North America

The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a de-scription of the scope and limitations of coverage. 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 www.aig.com. 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.

North America Inland Marine Insurance

The inspection was assigned to an AIG-approved heavy equipment appraiser

the same morning it was submitted.

The damaged unit was physically inspected the following day and repairs were initiated to mitigate

the insured’s down time.

The AIG AdvantageRisk Consulting Multinational Claims• Multi-faceted Marine Loss Control

Engineering team operating worldwide, analyzing exposures and loss histories, and then making the appropriate recommendations to minimize risk

• Average 25 years of maritime industry experience; most are licensed master mariners and vessel chief engineers with complementary experience as adjusters and surveyors

• High caliber expertise in all facets of Inland Marine, including transportation, warehousing and contractor’s equipment, applying best practices/industry standards to help reduce risk

• Committed to delivering world-class multinational expertise, solutions and service to clients in a globally consistent and seamless fashion

• One of the largest global networks in the industry, spanning 215+ countries and jurisdictions

• Coverage for multinational businesses supporting local, global and controlled master programs

• In the event of a first party physical damage claim, once coverage is confirmed, AIG promises to provide the policyholder with immediate working funds of up to 50% of their share of the agreed estimate within 7 days for: property damage/repairs, sue and labor, and debris removal if applicable

• OneClaim, a global, end-to-end solution for claims intake, adjudication and management to ensure seamless coordination throughout the claims process

• Expedited claims service and settlement process with knowledge of local legislation and international conventions

What is Inland Marine Insurance?• Transportation & Logistics

– Target Risk Classes: Motor Truck Carriers (Vehicle Physical Damage [VPD] & Motor Truck Cargo [MTC]), subject to applicable state laws/regulation; warehousing of all National Fire Protection Association (NFPA) commodity class types; third-party logistics (3PL); ancillary exposures (property, equipment, installation, etc.)

– Broad commodity appetite; up to $25M Per Occurrence / $10M Per Occurrence CAT

– Ability to combine multiple coverages under one policy/limit/deductible structure

– Admitted capability using AAIS forms

• Construction & Equipment

– Target Risk Classes: Contractors of all types, oil and gas field service contractors, public entity equipment exposures, contractors equipment rental and sales and port and marine terminal cargo handling equipment

– Up to $25M in policy limits; $10M for earthquake, flood and named windstorm

– Business Interruption (BI) coverage available

– Option for combined program with property and other inland marine coverages



North America Management Liability Insurance

Coverage Modernization40+ years of introducing updated and expanded coverage to address emerging exposures.

Claims and underwriting alignment leverages our expertise and vast knowledge base to provide coordinated solutions for insureds.

Multinational ServicingService delivery in a globally consistent and seamless fashion through one of the largest global networks in the industry, spanning 215+ countries and jurisdictions.

Claims Capabilities“Once in a lifetime” situations handled by 200 in-house claims professionals seeing 25,000+ claims and paying $1.5B in claims annually.

Defense counsel from premier law firms with high performance standards based on specific needs.

The AIG Advantage

JUN

E 20

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.S.

Why AIG

Problem Solvers

An AIG panel counsel firm advising a financially distressed company with multinational exposures identifies a

need for D&O coverage in order for the client to add new, high-quality

directors to its board.


The broker and the law firm solved a significant challenge for the

insured and know they can rely on AIG for custom-tailored policies for

multi-faceted, complex risks.

Working with the broker, AIG underwrote the exposure and

leveraged its multinational footprint to provide coverage for these new

directors despite the heightened D&O risk given the company’s

financial position.

What is Management Liability Insurance?Tailored insurance programs that address the executive risks of U.S.-based public, private, not-for-profit and financial services organizations.

Available coverages include Directors & Officers (D&O) Liability including Side-A Liability, Crime and Fidelity, Employment Practices Liability and Fiduciary Liability.

Prefer financially stable companies that value a long-term carrier partnership with sustainable capacity amid an escalating claim backdrop.

Focused on responsible, sustainable pricing and underwriting through improved risk selection, limits management, attachment points and deductibles.

Bermuda-based placements for all Financial Lines products available on an excess coverage basis.

For more information on products and appetite, visit www.aig.com/whyAIG-management-liability.

National Leadership

Brady HeadHead of Management Liability

Anthony TatulliNorth America Head of Financial Lines

Mary McIvorNorth America Head of Financial Lines Claims

AIG’s Side-A appetite remains broad across private, public and non-profit entities. We have the ability to provide fresh limits for new directors and officers, including complex situations such as where the company/insured is financially insolvent. AIG’s unique Side-A offering provides insureds not only dedicated, broad limit for directors and officers at the top of the tower, but also broad Side-A coverage throughout their D&O tower when AIG is the primary carrier. For example:

Shelley NormanLead Regional Executive for Financial Lines


North America Representations & Warranties Insurance

Underwriting ExpertiseTailored programs underwritten by accomplished M&A professionals, many of whom were investment bankers, lawyers and tax experts before joining AIG and understand how to best structure solutions quickly and strategically.

Multinational SolutionsExpertise, solutions and service delivered in a globally consistent and seamless fashion through one of the largest global networks in the industry, spanning 215+ countries and jurisdictions.

Claims CapabilitiesIn-house claims professionals specialize in handling complex transaction disputes and one of the largest and most varied claims portfolios in the industry.

The AIG Advantage

JUN

E 20

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Why AIG

Problem Solvers

A client with a diverse range of investments in different sectors sought a single insurance carrier for all of its

acquisitions.


Creative Solutions

A client was acquiring a company that had various multinational exposures,

with operations in North America, Europe and Asia Pacific.

AIG leveraged its local teams’ expertise to underwrite the risk in the various jurisdictions.

AIG regularly delivers on multinational deals. We have a global team with underwriters in

hubs across the world and expertise in deals in many geographies.

AIG has a broad appetite for various deal sizes and sectors and underwrites deals from across the

board regularly. AIG has also built strong relationships with many

clients who continue to come back to AIG for their transactions.

AIG’s broad appetite enabled us to deliver solutions for the client on multiple deals,

including deals with very different profiles.

A corporate buyer purchased an R&W policy for the acquisition of a

manufacturing company. After the deal closed, federal inspectors shut down the factory of the acquired company

for three days on account of regulatory violations.

The buyer submitted a claim under the policy for its direct losses. AIG confirmed that a breach of the compliance with laws representation had occurred and agreed that the amount of direct losses suffered

by the buyer on a multiplied basis was the correct measure of damage.

AIG’s dedicated and experienced claims team specializes in disputes surrounding complex transactions and in processing customer claims

in an expedient manner with proven claims paying ability.

Claims Expertise

What is Representations & Warranties Insurance?Helps protect buyers or sellers in merger and acquisition transactions from financial loss in the event of a breach of representations and warranties made by the sellers.

Deal size: $25M to approximately $4B+.

Available limits up to $100M for any single transaction.

Minimum premium of $150K.

Retention typically 1.0% of the enterprise value, dropping to 0.5% after 12 months.

Coverage available for risks on a 100%, shared, layered or excess basis from AIG’s non-admitted carriers only.

www.aig.com/whyAIG

National Leadership

Anna RozinNorth America Head of M&A

Mary DuffyGlobal Head of M&A

Mary McIvorHead of North America Financial Lines Claims


North America Tax Liability Insurance

Underwriting ExpertiseTailored programs underwritten by accomplished M&A professionals, many of whom were investment bankers, lawyers and tax experts before joining AIG and understand how to best structure solutions quickly and strategically.

Multinational SolutionsExpertise, solutions and service delivered in a globally consistent and seamless fashion through one of the largest global networks in the industry, spanning 215+ countries and jurisdictions.

Claims CapabilitiesIn-house claims professionals specialize in handling complex transaction disputes and one of the largest and most varied claims portfolios in the industry.

The AIG Advantage

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E 20

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Why AIG

Problem Solvers

The insured, a buyer of a target company, discovered a potential complex tax issue just days before signing that could have

a materially negative impact on the investment thesis for acquiring the target

(if such issue were successfully challenged by the IRS).


Creative Solutions

The insured developer of a renewable energy project was seeking an

investment from a tax equity investor that would entitle the investor to tax

credits. However, the investor wanted a credit-worthy party to provide a 10 year indemnity for certain risks relating to the

tax credits.

AIG underwrote the complex tax risk and enabled the developer to secure an investment from the tax

equity investor and proceed towards completion of the renewable energy

project.

AIG’s institutional knowledge, multi-decade experience in underwriting

tax insurance and flexibility and agility enabled us to provide a

tailored solution in an expedient manner.

Given our deep expertise and broad appetite, AIG was able to underwrite a complicated

tax issue in a compressed deal timeline which allowed the buyer to proceed with the M&A transaction

without delay.

AIG underwrote the tax risk and bound a policy that enabled the buyer to proceed with the acquisition while transferring some of the financial risk

of an adverse tax determination.

What is Tax Liability Insurance?Enables insureds to reduce or eliminate a contingent tax exposure arising from tax treatment of a transaction, investment or other tax position where the underlying legal conclusions may be subject to future challenge by the IRS or state or foreign tax authorities.

Available limits up to $50M for any single risk; minimum premium of $250K.

Coverage is available for risks on a 100%, shared, layered or excess basis from AIG’s non-admitted carriers only.

Preferred risks include those:

• With written advice or guidance from legal or other tax advisers.

• That demonstrate a clear business purpose; whether the jurisdiction has GAAR (General Anti-Avoidance Rules) in place will be taken into consideration.

• In politically stable jurisdictions with developed legal systems/tax authorities/tribunals with a recognized, accepted route of appeal and a reputation for competence, probity, sophistication and fairness.

National Leadership

Anna RozinNorth America Head of M&A

Mary DuffyGlobal Head of M&A

Mary McIvorHead of North America Financial Lines Claims

www.aig.com/whyAIG

What is Marine Liability Insurance?• Target Classes: Medium-to-large ports & terminals,

marine transportation, shipping & logistics companies, marine construction and vessel charterers

• Primary Marine General Liability $1M MGL with selective appetite for up to $5M Primary Liability and Excess Liability ($25M capacity)

• Lead and follow capability

• Ability to cover ancillary marine exposures with MGL, including Hull, Protection and Indemnity (P&I) and Inland Marine

• US and Canada admitted security

• Consultation regarding selection of transport route, means of conveyance, packaging, security requirements, etc. for special transport risks

• Small to Medium Enterprise (SME) Marine Construction Package capability


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Why AIG

Problem Solvers

A multinational shipbuilding operations and technology

company sought Cyber coverage with its marine liability policy.


Creative Solutions

A marine terminal operator was seeking coverage for local placements in multiple countries.

An insured allowed a lawsuit to go into default in Florida in a construction defect case involving a wharf built for

a condominium project in Miami which jeopardized potential coverage of loss.

AIG put together a large multinational program, developing unique policy wording with the broker and client to properly cover the client’s terminal operators’ risks locally.

The client was happy that the local placements were insured

under one program with the strength and expertise of AIG’s Multinational team.

The client was impressed by AIG’s resources, coordination between departments and eagerness to

find a solution.

The AIG Marine Liability team worked closely with the AIG Cyber team to amend a Cyber Edge product to drop down and

avoid a gap in coverage for the client.

Claims Expertise




Michael NukkHead of Marine, North America

The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a de-scription of the scope and limitations of coverage. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional in¬formation, please visit our website at www.aig.com. 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.

North America Marine Liability Insurance

AIG immediately assigned defense counsel to file a motion with the court

to set aside the default and protect the insured’s interests.

The default was removed with no harm to the insured.




• High caliber expertise providing marine hull and liability consultations, such as operational reviews for ports, marine terminals and vessel operators



• Clients have access to innovative technology and tools to help manage their unique Global Marine program

• Access to OneClaim, a global, end-to-end solution for claims intake, adjudication and management to ensure seamless coordination throughout the claims process


Multinational, General Insurance

Client Service Because we operate in 215 jurisdictions, issuing 50,000 policies and sharing 750,000 regulatory insights annually, our 7,000+ clients benefit from our client-first approach worldwide.

Our mission is to understand our clients’ business and associated risks, and structure a regulatorily compliant program that is aligned to our clients’ risk profiles and objectives.

Serving clients across the industry’s most connected global network of experts.

Insights & ExpertiseSupport and guidance from 400+ multinational program design and servicing experts with access to 750,000+ global data points.

This information yields market leading insights that help clients shape bespoke strategies to comply with regulatory changes and confidently expand their business across borders.

Connectivity A global network of highly connected colleagues and capabilities enables us to be agile in our approach, and access the right resources to help shape clients’ multinational insurance programs no matter the size, scale and complexity of their businesses.

Our client portal brings together everything from program details to claims and risk management insights in real time.

What is Multinational?AIG General Insurance’s global services platform which delivers:

• Timely and accurate policy issuance;

• Local expertise and regulatory insights;

• Efficient money movement capabilities; and

• Deployment of large fronted limits for clients worldwide through one of the industry’s largest networks.

The AIG Advantage

Together, we help clients predict, plan and navigate a complex world while achieving their risk, governance, contract certainty and duty of care objectives.

www.aig.com/multinational

SEPT

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Why AIG

Captive Fronting Solutions


Innovators

Claims Expertise

Global Leadership

Tony McHargInternational Head of Multinational

Allison Barrett Global Head of Multinational

Ryan Gustafson North America Head of Multinational

A large multinational food manufacturer came to us as a result of a rapidly changing property capacity marketplace and a current relationship

that could not meet its needs. Due to late communication on the changes to

the current program, turnaround time for AIG to produce a solution was short.

After finding limited capacity in the market, a global metals and electronics

recycling company with operations in 17 countries was in search of an

alternative solution that would allow them to evidence full coverage.

A technology client was doing construction work on a new data

center in Singapore and underground cables were damaged by a contractor. Under the local Singapore policy, the

client was the sole named insured, with no coverage for contractors.

Our Property underwriting team, along with the Multinational Client Executive,

collaborated to develop a unique indemnity structure in which the client self-insures for part of the primary layer. We provided the

necessary expertise on local regulatory requirements across all of the client’s

global operations.

Our team worked seamlessly with colleagues in Underwriting, Credit, Legal and Captive Management to design a fronting proposal that optimized use of the client’s captive. The

innovative design and our ability to implement this program quickly provided the client the

confidence to form a partnership with our team for its property program moving forward.

AIG Singapore worked closely with AIG U.S. to determine if the U.S. master

policy would provide coverage. AIG U.S. confirmed that the master policy

would respond to the claim on a difference in conditions (DIC) basis.

The client is able to evidence full coverage globally in a structure that

is beneficial to its business model, and provides confidence that all of its exposure is covered under the

global program.

Our client was able to increase the level of risk assumed by its captive and minimize the disruption to a complex

global program at a critical time in the marketplace. The program created a

platform for additional lines of business to flow into the captive in the future.

Our client’s claims are handled in a consistent manner globally. Close

collaboration between the local AIG claims teams in Singapore and the U.S. helped confirm master policy coverage and ensure swift payment to meet the requirements of the local subsidiary.

Charlotte Lach Head of Multinational Strategy & Change

Brian Grabek Chief Operating Officer

American International Group, Inc. (AIG) is a leading global insurance organization. AIG member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, 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 | YouTube: www.youtube.com/aig | Twitter: @AIGinsurance www.twitter.com/AIGinsurance | LinkedIn: www.linkedin.com/company/aig. These references with additional information about AIG have been provided as a convenience, and the information contained on such websites is not incorporated by reference herein. 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 www.aig.com. 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 jurisdictions, and coverage is subject to underwriting requirements and 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.


North America Multinational Casualty Insurance

MultinationalExpertise, solutions and service delivered consistently and seamlessly through one of the largest global networks in the industry, spanning 215+ countries and jurisdictions.

Client support from pre-bind to program implementation and post-bind.

Access to multinational program design and training tools to help assess multinational insurance needs.

Risk Consulting and Claims24/7 access over the phone to the medical, travel and security assistance services of AIG Travel anywhere in the world.

Onsite loss control surveys by our risk consultants evaluate and consult on property protection, workplace safety and auto fleet maintenance.

Single point of contact for all claims and/or claims handling issues.

On-Demand Technology and DataCustomized country-specific guidance around insured’s multinational exposures, needs and preferences.

Optimization of global policy program management with real-time account data and analytics available 24/7 via the My AIG Client Portal.

Direct access to multinational program claims information via our online, on-demand, customized claims analysis and reporting platform, IntelliRisk®.

The AIG Advantage

JUN

E 20

20 U

.S.

Why AIG

Problem Solvers

A client with an M&A transaction closing imminently sought a carrier who could insure international property and

casualty coverage in 32 countries.


Creative Solutions

A client with owned offices and employees overseas needed more comprehensive coverage but was

unsure where to start.

AIG presented a Client Brief to the client and its broker, providing a detailed

analysis of the client’s exposures and different coverage needs and options.

With the confidence and assurance that their overseas operations are better protected, the client

moved forward with an expansion into the Asia markets.

The client was able to close the M&A transaction in time and with certainty that operations overseas

were properly insured.

AIG underwrote and offered terms within a few days and was able to place all

lines of coverage needed in all countries where locally-admitted policies were

required or requested.

A client sought greater control and quick responses to claims and

underwriting issues on its multinational program written in Europe through

another carrier.

AIG offered comparable terms to the European program, including manuscripts

where needed while maintaining a market-consistent pricing approach,

and a single point of contact for claims handling issues.

The client centralized the brokering, underwriting and buying decision

back to the U.S. and achieved claims continuity, for a program consistent

with its risk management philosophy.

Claims Expertise

What is Multinational Casualty?Customized casualty or package coverage for U.S.-based organizations with international casualty exposure in both retail and wholesale markets with no class of business exclusions.

WorldRisk® guaranteed cost commercial package coverage includes property, general liability, contingent auto, business travel accident, foreign voluntary compensation and employers’ liability, cyber, political risk, kidnap and ransom, crime and pollution; $2,500 minimum premium.

Customized general liability, workers’ compensation (employers’ liability and foreign voluntary compensation) and automobile liability/physical damage program structures range from guaranteed cost to fronted captive programs.

Visit www.aig.com/whyAIG-multinational-casualty for more information.

National Leadership

James BarbutiHead of North America Multinational Casualty


Hendrik TerblancheHead of WorldRisk

What is Ocean Cargo Insurance?• Target Classes: Importers, exporters, manufacturers,

wholesalers and distributors who have international transit exposures; general cargo – containerized goods; bulk & break bulk cargo – liquids and dry; project cargo

• Specialties include multinational controlled master programs, captive fronting, stock throughput and logistics package policies (Freight Pak)

• Capacity:

– Transit = $50M

– Storage/Warehouse = $50M (Natcat = $10M per occurrence and in the annual aggregate)

– Retail Stock Throughput (STP) = $2.5M per location and $10M annual aggregate limit

• Minimum deductible: flexible to meet the exposure of each individual risk

• Consultation regarding selection of transport route, means of conveyance, packaging, security requirements, etc., for special transport risks


AUG

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Why AIG

Problem Solvers

A manufacturing client was looking for a market that

could provide them with a better solution on their multinational policies than they had with the

incumbent carrier.


Creative Solutions

A manufacturing client that ships raw materials was looking

to protect its product and materials from theft.

An insured had a large volume of fuel oil, valued at $20M+, which

became contaminated in the vessel’s cargo tanks.

AIG worked with the client to get their logistics security under control internationally, getting the right loss

measures in place.

The client was satisfied with the various measures AIG put in place

to curtail losses, as well as our widespread footprint for handling of claims for their various entities

around the world.

AIG was able to demonstrate its strong multinational capabilities and understanding of the various local

market issues.

The AIG team coordinated with Tata AIG and another international AIG office

to offer insight on their local programs, putting together a program that provided

a solution for this client.

Claims Expertise




John Barnwell Cargo Product Lead,North America


North America Ocean Cargo Insurance




• Experts in safely transporting high value/critical project cargo shipments, packaging and handling standards, warehouse security and fire protection and vessel vetting



• Clients have access to innovative technology and tools to help manage their unique Global Marine program

• In the event of a first party cargo claim, once coverage is confirmed, AIG promises to provide the policyholder with immediate working funds of up to 50% of their share of the agreed estimate within 7 days for: property damage/repairs, sue and labor, and debris removal if applicable

• Access to OneClaim, a global, end-to-end solution for claims intake, adjudication and management to ensure seamless coordination throughout the claims process


AIG appointed an expert to investigate and conduct sample testing to identify

causing party and also the contaminant. AIG hired a specialist who de-

contaminated the fuel oil and restored it to the original quality.

The insured was able to receive the good quality merchandise. AIG

provided detailed inspection and testing reports from the expert.

Political Risk

Why AIG

Market LeaderIndustry-leading limits of up to $150M, multi-year policies with non-cancelable limits (up to 15 years, average 3-5 years) and worldwide coverage.

Four decades of experience and expertise with dedicated underwriters who help clients with large Political Risk programs.

Multinational CapabilityDedicated Political Risk underwriters in the U.S. (New York, Chicago and Seattle) and around the world (Toronto, London, Tokyo and Singapore) provide clients with a global network, relationships and expertise.

Claims ManagementA specialized claims team that utilizes our expertise, with over $520M in global claims paid over 40+ years.

What is Political Risk?Insures overseas assets against the perils of expropriation, political violence (including war and terrorism), currency inconvertibility and the wrongful calling of on-demand guarantees.

Insures against the risk of non-payment by foreign governments on cross-border loans or contracts.

The AIG Political Risk Advantage

Problem Solvers

A producer and distributor for the infrastructure and agricultural markets

conducts business in key emerging markets around the world.

National Leadership



Creative Solutions

AIG Political Risk policy was put in place that provided the necessary

coverage due to the client’s property policies not providing the coverage.

A large oil and gas services company was forcibly taken over by a South

American country.

A contractor faced several challenges around their equipment overseas: working

on a foreign military base, political violence that could damage or force evacuation/

abandonment of their equipment and government restrictions that might make it

impossible to move the equipment out of the country once the work was completed.

AIG’s policy allowed the contractor to focus on the very

technical aspects of the job while transferring the inherent emerging

market risk of a small South American country where it had

never done work before.

AIG was selected by the client, despite a lower-priced

competitor’s option, due to its long-term commitment to Political Risk, membership in the Berne Union and dedicated claims expertise.

AIG provided coverage needed for the perils of expropriation, political violence

and currency inconvertibility.

The company was able to draw down on a $50M limit provided by AIG’s

Political Risk policy.

AIG’s claims experts assisted the client to recover their assets,

allowing them to begin work again and avoid larger losses in

the same country.


Adam Budnick, Head of Political Risk and Structured Credit Insurance, North America

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Claims Expertise

Janet Shore, Vice President and Zonal Underwriting Manager (Central)

Sean Dunphy, Vice President and Zonal Underwriting Manager (West)

Benjamin Walker, Underwriting Specialist (East)


North America Primary General Casualty Insurance

Claims ExpertiseClaims professionals have 20+ years’ experience and expertise to help decrease downtime for companies and injured workers.

Settlement strategies and access to elite defense attorneys help maximize settlement values and mitigate adverse development.

Nurse Triage and Outcome Based Network Program provides appropriate injury treatments and helps avoid unnecessary ER or doctor visits.

Specialized UnderwritingIn-depth industry and underwriting expertise for general casualty, specialty workers’ compensation risks and energy-related businesses.

Account servicing, coverage and claims handling available nationwide provide insureds with a strong platform to handle multi-state risks.

Risk ConsultingRisk consultants provide guidance and develop effective safety and risk management solutions.

RiskTool Advantage® provides web-based e-learning for workplace safety, training, accident investigation and risk engineering topics.

Safety Concierge Services offer clients quick access to a vast network of industry experts.

The AIG Advantage

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Why AIG

Problem Solvers


Creative Solutions

A manufacturer sought improved access to its real-time claims data

for its automobile liability, general liability and workers’

compensation policies.

An electronic parts distributor needed to reduce manual material handling injuries in their distribution

centers. Safety practices and training were inconsistent at their warehouses

across continents.

Our casualty risk consultants created a standardized safety program and

conducted safety training at several key facilities. Management was also trained

to consistently manage risk and safety training.

Within nine months the severity and frequency of work-related material handling injuries was

reduced more than 20%.

The client was especially impressed with IntelliRisk’s detailed, real-time claim information and automated reporting, providing the ability for in-depth analysis to manage risk

more effectively.

AIG’s claims expertise and services, including IntelliRisk®, addressed the

client’s needs and they bound a new automobile liability, general liability and

workers’ compensation program.

A retailer experienced a high incidence of repetitive motion injuries with employees in the

clothing-sorting areas.

AIG’s risk consultants performed ergonomic assessments to identify high risk areas and advised that work tasks

be modified. They then conducted training for employees at several locations.

After 12 months, the client experienced a reduction of more

than 75% in repetitive motion injuries which resulted in a savings for the

client of over $850,000.

Claims Expertise

National Leadership

Peter MacdonaldHead of North America Casualty and Workers’ Compensation Claims

Frank GallinaHead of North America Primary General Casualty, Global Energy Middle Market (GEMM) and Specialty Workers’ Compensation


1 For certain classes, lower minimum premium threshold may apply

What is Primary General Casualty?Primary admitted automobile liability, general liability and workers’ compensation coverage through guaranteed cost, deductible and self-insured retention ($100K and below) program structures; minimum premium of $100K1 per casualty line of business.

Guaranteed cost specialty workers’ compensation coverage for mid-sized businesses focusing on premium of $50K or greater for companies working with wholesale brokers.

Customized, multi-state programs that combine State Act Workers’ Compensation and coverage under the USL&H Compensation Act.

Visit www.aig.com/whyAIG-general-casualty for more information.



North America Professional Liability Insurance

Product InnovationBroad range of market-leading, entity-based E&O coverages and services to meet the needs of public, private and non-profit service providers.

Team of 40+ Professional Liability underwriters committed to delivering differentiated value through open communication, underwriting expertise and coverage flexibility.

Multinational SolutionsSuitable multinational programs built and adjusted to meet changing needs in a globally consistent and seamless fashion through one of the largest global networks in the industry, spanning over 215 countries and jurisdictions.

Claims CapabilitiesPersonalized, integrated network of in-house claims specialists and third-party experts helps clients prepare for potential losses and respond to claims unique to their field.

Committed to delivering outstanding service through timely and knowledgeable communication, active participation in the claim process and objective evaluation though impartial view.

The AIG Advantage

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What is Professional Liability Insurance?AIG has been underwriting professional liability risks for over 40 years and has one of the largest and most varied claims portfolios in the industry. This experience allows us to provide differentiated value to our clients, such as:

• Customizable entity-based errors and omissions (E&O) coverage to help protect public and private professional service providers from potential third-party legal action.

• Coverage available for public relations firm costs and optional income loss protection resulting from reputational damage as well as other related risks.

• Bermuda-based excess coverage is available for all AIG E&O products.

Visit www.aig.com/whyAIG-professional-liability for more information on products and appetite.

National Leadership

Jeanmarie GiordanoNorth America Head of Professional Lines

Anthony TatulliNorth America Head of Financial Lines

Mary McIvorNorth America Head of Financial Lines Claims

Larry FineExecutive Vice President of Professional Liability/Directors and Officers/Fiduciary Liability Claims

Low Hazard Appetite

Moderate Hazard Appetite

High Hazard Appetite

Classes Outside of AIG Appetite

• Accountants professional liability (excess attachment of $5M or more)

• Association professional liability

• Employed lawyers professional liability

• Follow form excess

• ReputationGuard® insurance

• Educators legal liability

• Managed care E&O

• Media liability

• Miscellaneous professional liability

• Public officials liability

• Real estate professional liability

• Technology E&O

• Actuaries

• Credit bureaus

• For profit educators

• Major film and music studio business

• Accountant professional liability (primary)

• Debt collectors/collection agents

• Lawyers professional liability

• Third-party product design E&O

Risk Appetite by Hazard Grade (Sample Classes of Business)

AIG Programs

National Leadership

Melissa MeserveVice President, Head of U.S. Programs Business Development AIG Programs

Thomas McGrathSenior Vice President, Head of U.S. ProgramsAIG Programs

American International Group, Inc. (AIG) is a leading global insurance organization. AIG member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, 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 | YouTube: www.youtube.com/aig | Twitter: @AIGinsurance www.twitter.com/AIGinsurance | LinkedIn: www.linkedin.com/company/aig. These references with additional information about AIG have been provided as a convenience, and the information contained on such websites is not incorporated by reference into this brochure. 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 www.aig.com. 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 jurisdictions, and coverage is subject to underwriting requirements and 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. JU

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Why AIG Programs

Broad Risk Appetite Partnership Focus Flexible Compensation Philosophy

Broad class appetite Partner with best in class experts with a proven track record

Flexible commission structure

Ability to share the underwriting risk however not mandated

Ability to scale with target of $10M in managed program premium with upside to grow

Profit sharing agreements

Flexible program structure options Unique distribution channel and value proposition

Willing to share underwriting profit with captives/reinsurers

Package focused, admitted or non-admitted paper

AIG Programs can work with your recommended TPA or with AIG in house claims

Ability to provide coverage in all 50 states AIG Programs can work with your underwriting system or deploy technology for rating and issuance

AIG Programs can develop program specific coverage enhancements

The AIG AdvantageExpertise and Experience Creativity and Collaboration Strength and StabilityFor over 50 years, AIG Programs has been a market leader in providing innovative customer focused solutions spanning all 50 U.S. states.

Our experienced, knowledgeable and responsive staff are focused on delivering smart program solutions to meet the ever-increasing risks facing small to mid-size businesses.

We are dedicated to providing consistent delivery of products and services to help our Program Administrator partners create client loyalty and attract new market opportunities.

Dedicated claims and risk management staff are focused on identifying trends and developing strategic solutions.

Building on over 100 years of experience, AIG is strategically positioned to be the top-performing company, committed to underwriting profitability and long term value.

Our broad appetite and large capacity enable us to provide tailored coverage for critical areas of the programs sector on an admitted and non-admitted basis.

AIG Programs is a leading underwriter of program business in the U.S. with programs addressing a myriad of niche markets written on both admitted and non-admitted basis supported by Program Administrators with market leading infrastructure and underwriting expertise.

Target OpportunitiesDeveloping true partnerships with MGAs/Program Administrators that align financial interests and risk appetites to achieve long term and sustainable underwriting profit.

Program Administrators with a proven track record, having operated in the programs space for a minimum of five years.

Homogeneous portfolios.

Managed program portfolio premium of $10M with the ability to grow.

Unique distribution channel and/or value proposition.


North America General Insurance Retail Property

National Leadership

Dean OwensHead of Claims, NA GI Property

Mark MaritzenHead of Risk Mgmt & Middle Market, NA GI Retail Property

Duncan EllisHead of NA GI Retail Property

Paul Hart Property Risk Engineering Lead, NA GI Property

American International Group, Inc. (AIG) is a leading global insurance organization. AIG member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, 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 | YouTube: www.youtube.com/aig | Twitter: @AIGinsurance www.twitter.com/AIGinsurance | LinkedIn: www.linkedin.com/company/aig. These references with additional information about AIG have been provided as a convenience, and the information contained on such websites is not incorporated by reference into this brochure. 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 www.aig.com. 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 jurisdictions, and coverage is subject to underwriting requirements and 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. JU

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U.S

.

Risk Appetite by Hazard Grade (Sample Classes of Business)

Low Hazard AppetiteAll Placements

Moderate Hazard AppetitePrimary, Q/S & Excess

High Hazard AppetiteLimited Line Coverage

Appetite Outside of Retail Property

Airports Breweries/Wineries Pulp and Paper Habitational (Lexington)

Data Processing Centers Light Electrical Workers Distilled Liquors Mining (Energy)

Financial Institutions Light Metal Workers General Warehousing National Rail (Inland Marine)

Healthcare Linen Suppliers Meat Processing Open Lots (Inland Marine)

Higher Education Medical Equipment Motor Homes Petrochemical (Energy)

Law Offices Paper Printing Plastics Power (Energy)

Real Estate Refrigeration/Heating Primary Metals Primary Glass Ops

Retail Telephone Comms Textiles

The AIG AdvantageCoverage Flexibility Claims Promise Multinational Risk EngineeringAll risk property damage and business interruption coverage (typically including boiler and machinery).

Cyber, terrorism and political violence coverages are available.

50% advance of an agreed loss estimate for property damage, clean-up costs and extra expense within 7 days of a covered event.

Team of dedicated property claims adjusters with 20+ years average experience handling claims.

World-class multinational expertise, solutions and service.

Service delivery in a globally consistent and seamless fashion through one of the largest global networks in the industry, spanning 215+ countries and jurisdictions.

Services to help identify and improve property-related risks:

• Specialized teams for complex site surveys.

• Fire protection systems and construction plan review.

• Customized security risk consultations and assistance with SAFETY Act applications.

Retail Property provides market-leading risk transfer (insurance) and non-risk transfer (fronting/captive) solutions for domestic and global middle market and risk management insureds. We have clear and consistent risk appetites established worldwide. At AIG, our Retail Property group is committed to delivering differentiated value to our brokers and insureds by providing open communication, coverage flexibility, claims and risk engineering excellence and multinational services.

Admitted (American Home) and non-admitted (AIG Specialty) property insurance solutions for clients working with retail brokers.

Up to $1B may be deployed on a shared, layered or 100% basis in primary/excess positions on the right accounts.

Significant global wind, flood and earthquake capacity also available.

Deployment of capacity, size and positioning depends on risk quality, COPE/data quality, occupancy hazards, client commitment to risk management principles and loss experience.


North America Trade Credit Insurance

The AIG Advantage

Why AIG

Problem Solvers

A communications client that provides products and services sought a broader solution providing non-cancellable limits Trade Credit coverage, as opposed to

another current carrier’s policy.


Creative Solutions

A banking client sought a Trade Credit policy to sit excess above its participation in a syndicate Trade

Finance agreement and their primary policy.

With sound knowledge of this Trade Finance arrangement from another

participating bank, AIG quickly stepped up with manuscripted coverage and

bound the coverage.

The client obtained the desired coverage and was appreciative of AIG’s ability to respond promptly through our experienced team’s

understanding of this risk.

By partnering with AIG’s Trade Credit team, the client obtained the

more flexible, comprehensive policy.

AIG worked closely with the broker to understand the client’s needs and

provide a better structure for the client with non-cancelable limits.

A storied luxury retailer filed for Chapter 11 bankruptcy due to pressures from online retailers,

leaving its suppliers with millions in unpaid invoices.

AIG’s client claimed the unpaid invoices under its Trade Credit policy and received

a seven figure claim check.

AIG’s client was able to continue operations as normal and meet its obligations to clients and lenders.

Claims Expertise

National Leadership

What is Trade Credit?40+ year provider of customized non-cancelable limits coverage, credit management tools and debt collection services for mid-market businesses, large corporations, multinationals and financial institutions.

Minimum premium of $20,000 and sales of at least $10M for corporate clients.

Domestic and foreign accounts receivable can be insured under a simple, comprehensive policy.

Structures generally include risk sharing in the form of co-insurance and/or deductible.

Non-payment coverage available for short-term trade related receivables, payables, loans and letters of credit is financed by established trade finance banks and alternative lenders.

Learn more: www.aig.com/whyAIG-trade-credit

Craig BergmannHead of Middle Market Trade Credit, North America

Brad HébertHead of North America Trade Credit

Larry SesmerHead of Trade Finance, North America

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Coverage FlexibilityFlexible program structures provide a high level of autonomy when granting credit to customers.

Coverage is tailored for an insured’s entire accounts receivable portfolio, can be just the largest exposures or a single account.

AIG’s coverage flexibility can facilitate more attractive bank financing to increase working capital available from the same pool of receivables.

ClaimsHighly-experienced and industry-leading global claims team.

Over $2B in global claims paid over our 40+ year history.

Multinational One of the broadest networks among non-cancelable limit credit insurance carriers licensed in 70+ countries; supported by AIG Multinational tools and services.

Global accounts receivable insurance with local policy issuance for foreign subsidiaries wrapped by a controlled master program.


Pierce BrossettTruck Insurance Group Product Manager


North America Trucking Insurance

Experience and ExpertiseAIG’s Truck Insurance Group, comprised of dedicated underwriters, claims professionals and risk mitigation experts with decades of experience, understands the specialized nature of and exclusively serves the motor carrier industry.

Risk ConsultingDedicated risk consultants average 15+ years of industry experience and focus on safety procedures, DOT compliance, hiring practices and employee training.

Customized analytic reports benchmark performance against peers and allow our consultants to pinpoint loss drivers, help improve safety and reduce total cost of risk.

Claims Dedicated claims handlers specialized in trucking claims and loss mitigation are available 24/7 to provide crisis management and investigate severe incidents.

Broad network of accident reconstruction experts and investigators can help ensure the best defense possible.

The AIG Advantage

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Why AIG

Problem Solvers

Brokers sought quick feedback on whether an account fell within AIG’s

appetite for trucking risks.


Creative Solutions

A small trucking client did not have the capabilities to research,

design and fund the loss mitigation strategies it needed to.

AIG’s transportation risk consultants hosted a risk mitigation seminar for many

broker partners’ clients, including this small trucking company.

The client attended the webinar, learned about new risk mitigation concepts and strategies to put into practice and, in turn, improved the

safety of their operations.

Brokers receive real-time feedback that enables them to efficiently

service their clients.

AIG created an online platform for brokers to quickly and easily assess whether their

client’s risk, based on their DOT data, would fall within AIG’s appetite.

A client was involved in a fuel spill accident in an unfamiliar territory.

The client’s coverage included the emergency response and crisis management

services of PIER (Pollution Incident and Environmental Response)®.

Damages were mitigated and handled by trusted remediation and cleanup companies, which helped to reduce

costs and put the client at ease knowing that the environmental exposure would

be handled appropriately.

Claims Expertise

National Leadership

Peter Macdonald Head of North America Casualty and Workers’ Compensation Claims


What is the Truck Insurance Group?Admitted automobile liability, physical damage and general liability products for small to mid-size “for-hire” trucking companies that have a transportation focus and a heavy vehicle fleet exposure (26,000+ lbs.).

Flexible underwriting offerings with the ability to offer liability deductibles up to $50K.

Coverage is available for companies that predominantly employ professional commercial driver’s license (CDL) class A or B drivers; fleets consisting of 5-250 power units; required operating experience: two years for 5-10 power units and three years for fleets of 11+ power units.

Visit www.aig.com/whyAIG-trucking for more information.


North America Warranty & Service Programs

Why AIG

Multinational CapabilitiesSkilled in service contract and insurance underwriting, marketing, risk management, customer service, service fulfillment and reporting on a global scale.

Leverages operations in 120+ countries for multinational warranty solutions with dedicated account management and operational teams focused on growth and quality for multinational programs.

Unmatched Customer Service State-of-the-art systems for automated claims handling via call center, online or mobile applications to deliver a personalized and seamless customer experience.

Experienced claims team of 40+ specialists handles 1.4 million U.S. claims annually while consistently achieving industry best customer service metrics.

Best-in-Class Service NetworkLow cost, high quality 50-state service network with open claims management that covers 99% of the U.S. population.

Cloud-based CRM solution and service management platform gives clients and their customers an exceptional claims and servicing experience that is unmatched in the industry.

What is Warranty & Service Programs?AIG Warranty is a premier provider of warranty services to the world’s largest and most respected brands. AIG creates innovative solutions aligned with our clients’ brand and mission to create loyalty with their customers.

Comprehensive extended warranty, device protection insurance, home warranty and related services for: retailers; original equipment manufacturers (OEM); wireless phone carriers; heating, ventilation, air conditioning (“HVAC”) dealers and distributors; multinational clients that need global capabilities; credit card issuers, affinity providers, utilities and financial institutions; commercial clients and home owners.

The most extensive and comprehensive network of service providers to provide in-home, depot or advanced-exchange product repair or replacement service for: major appliances, HVAC, consumer electronics, mobile phones and devices, computers, whole home, jewelry, furniture and more.

AIG can help to significantly grow clients’ business through price optimization, training, new and improved distribution channels and new product offerings.

Convenient and low-cost integration through a unified platform and single integration point with best-in-class vendors and system flexibility.

www.aig.com/warranty

The AIG Advantage

Problem Solvers


Creative Solutions

A retailer’s home warranty program was faltering because

of its inability to service its customers with high quality and

timely in-home service.

Issue

A multinational manufacturer had 20 separate extended warranty programs in 20 countries with different providers that were

adversely affecting their brand image because of inconsistent service and

cumbersome management.

A national retailer was looking for innovative ways to grow their traditional warranty business due

to stagnant sales.

Solution

AIG implemented its “Global Unity” platform that provided one

unified program, including account management, underwriting, billing and

collections and reporting globally.

The retailer outsourced its home warranty program to AIG which

implemented its best-in-class CRM platform and expansive service network

to service the new client effectively.

AIG introduced a new service branding, new products and added monthly

programs that aligned with the retailer’s mission. This included strategic placement

of online offerings, store associate. training, price optimization and a

dedicated support line for store personnel.

Benefit

Since inception, AIG’s global platform has helped the manufacturer’s program grow five times larger with

superior customer service due to streamlined global account management and expertise.

Since outsourcing their business to AIG, retailer has dramatically

increased customer service levels, reduced service costs

and has grown their business in excess of 5% annually.

This innovative new branding and new products led to a

237% growth in U.S. sales for the client over a 3-year period.

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Claims Expertise

National Leadership

Jody Brauns Sr. Vice President of North America, Warranty & Service Programs

Frank O’Neill Global Head of Warranty & Service Programs

James Mostofi Global Head of Business Development, Warranty & Service Programs

Architects & Engineers - Professional Liability, Excess & Surplus Lines

Why Lexington

Multinational Capabilities Access to AIG global network via Passport.

Possesses deep local knowledge and expertise to consistently deliver high-quality underwriting and risk management services.

A&E Risk ManagementProject management and pre-claims assistance.

Relationship with law firm Donovan Hatem provides clients with access to risk management services including contract reviews, risk management seminars and pre-claims assistance services.

ClaimsExperienced staff of over 12 examiners dedicated solely to A&E claims.

Most dedicated A&E claims examiners are attorneys and several have engineering degrees.

The breadth of claims experience helps to anticipate client needs.

Practice Appetite• Coverage tailored to firms of all sizes, from sole

proprietorships to large multinational firms.• Coverage for a full range of design disciplines from

the most benign to the most hazardous. No restricted classes.

• Minimum premiums start at $25,000.• Minimum deductibles start at $25,000.• Maximum limits of up to $10 million available.

Project Appetite• Coverage for almost any project type.• Coverage for the design team for the entire

construction period, with an option for an extended reporting period.

• Coverage for various project delivery methods, including design build and public-private partnerships.

• Minimum premiums start at $25,000.• Minimum deductibles start at $25,000.• Maximum limits of up to $10 million available.

The Lexington Advantage

Problem Solvers

The highly specialized A&E industry is constantly pushing boundaries as both project size, scope, and

complexity continue to evolve. How do carriers keep up with the ever-

changing market conditions?

National Leadership


Reliability

Lexington commitment to helping brokers and insureds is supported by quality risk management services and claims

expertise. Lexington provides a range of services to help mitigate risk and protect

insureds.

Brokers are faced with the constant challenge of clients growing and

evolving their businesses. Whether its expanding a physical footprint,

services offered, or industries served, new risks arise and so do the

challenges to solve them.

With every renewal, brokers are faced with seeking the carrier that

will provide their clients with superior risk management services and claims

expertise.

Lexington’s dedication to comprehensive risk management services has strengthened its portfolio of business with better internal

risk management and stronger controls. These services, combined with Lexington’s

claims expertise, help its brokers and clients manage risk over the entire lifecycle of

projects

There’s no better partnership, than a broker willing to collaborate with Lexington. This

process is mutually beneficial and can result in the development of flexible and

comprehensive insurance solutions to meet even the most complex of risks.

The ability to understand complex risk is something Lexington learned from decades of experience. Lexington

works closely with its broker partners to understand their clients’ risk challenges, and apply years of industry knowledge,

underwriting data, and experience to develop thoughtful solutions.

Lexington is here to help meet the changing needs of its brokers and

their clients, from small, regional firms breaking out of their start-up years to global enterprises. Lexington has over 50 years of experience, providing the

flexibility and know how to solve a wide range of challenges.

Lexington understands that every situation is unique. Lexington is here to listen to its broker partners and develop innovative solutions for their clients’ changing risk

needs.


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Creative Solutions

Lexington Insurance Company, an AIG company, is the leading U.S.-based surplus lines insurer. 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 www.aig.com. All products and services are written or provided by subsidiaries or affiliates of AIG. Certain property-casualty coverages may be provided by a surplus lines insurer. Coverage is subject to actual policy language. 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.

INTENDED FOR LICENSED SURPLUS LINES INSURANCE BROKERS ONLY.

Stephen Harb Vice President Professional Liability Claims

Robert RogersHead of ConstructionProfessional LiabilityLexington Insurance

Lexington Casualty - Excess & Surplus Lines

National Leadership

Neil SmallcombeHead of CasualtyLexington Insurance




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Lexington Insurance is AIG’s Excess & Surplus Line carrier providing flexible (E&S) insurance solutions for small, middle-market and large commercial enterprises. For over 50 years, Lexington has been a leader in the E&S market providing a broad appetite to casualty risk and of underwriting expertise, deep industry knowledge, specialized risk management and loss control benefits, and dedicated claims handling services.

Overview• Lexington Insurance Company paper.• Guaranteed Cost.• Small Deductibles with no collateral requirements.• Self Insured Retentions for accounts with higher

frequency.• Umbrella, follow form and retained amount forms

available on an excess basis.Capacity• Up to $5 million in limits available on Primary

General Liability (GL) policies.• $5 million - $10m limits desired on lead umbrella.• Up to $25 million limit available for mid and high

excess at appropriate attachment.Minimum Premiums• $25,000 for most classes.• Railroad Protective minimum premium is $4,500.



Strength & Experience Coverage FelixibityCoverage Felixibity Strategy & Focus ClaimsLexington Insurance is the largest U.S.- based Excess & Surplus Lines Insurance carrier.

Lexington has been providing innovative insurance solutions for over 50 year to companies and organizations of all sizes – from Fortune 100 corporations to small and middle market entities.

Broad, non-admitted underwriting capabilities that provide its clients 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.

In 2019, Lexington transformed its distribution strategy by focusing on placing business through wholesale brokers for the majority of its casualty lines.

There is a renewed focus on middle market casualty business. Over half of the new business written in 2019 was middle market, and underwriters have tools to respond quickly.

Lexington has an experienced claims team to draw on local, first-hand knowledge of risks and provide dedicated resources to ensure consistency of claims handling, effective account stewardship and winning claims strategies.

Industry Leading Examples• New business premium, up 15% through May 2020 Year-To-Date (YTD).• Over half of new business submission written through May 2020 YTD are sub-$100,000 middle market accounts.• 50% increase in new Mid-Excess policy count over previous year, reflective of diverse attachment point capabilities.• Submission activity up 40% over previous year through May 2020 YTD.• Expanded geographical footprint servicing the wholesale market increased Lexington new business in 2019.

• New business includes the following industries: plastics manufacturing, restaurants & bars, food & beverage, mining, real estate managers, hospitality, equipment rental, infrastructure projects, transportation, rail, oil & gas, and utilities.

Lexington Healthcare - Professional Liability, Excess & Surplus Lines

National Leadership

Susan Chmieleski RN, Esq.Head of HealthcareLexington Insurance



INTENDED FOR LICENSED SURPLUS LINES INSURANCE BROKERS ONLY. JUN

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Lexington Insurance has been providing continuous, flexible coverage options to the healthcare industry for over 50 years. It combines collective experience with broad coverages and flexibility in rate and form to create tailored insurance programs. And, with Lexington and AIG’s continuous investment in risk management services, clients are supported with best-in-class tools and resources to prevent and mitigate losses. However, if and when a loss does occur, Lexington claims investigation and resolution services are provided by experienced teams dedicated solely to healthcare related claims.

Overview

A wide variety of coverages available for healthcare risks in the hospital, and miscellaneous facilities segments.

Professional liability on a claims-made basis only.

Minimum premium starts at $10,000.

AIG companion coverages are available through affiliated insurers, including: workers’ compensation and commercial auto insurance.

Lexington Insurance Rating: A (Fitch), A (A.M. Best); Outlook: Stable (All).

www.aig.com/whyAIG-lexington-healthcare


Coverage Flexibility Risk Management Services Claims ExpertiseBroad flexible risk appetite to underwrite risks written on Excess & Surplus lines paper.

Delivers creative solutions tailored to the unique nature of each individual risk to support its brokers abilities to structure effective solutions.

Risk Assessments for high exposure areas

Customized client specific consultation and on-site services

Access to Lexington’s risk management helpline

Access to educational center to include webinars, advisories and alerts

Complimentary resources

Technical staff of over 30 members dedicated solely to healthcare-related claims; claim professionals average more than 20 years of industry experience and include attorneys and clinicians.

Segment FocusSegment Preferred Risk Non-Preferred Risk

Hospitals and Healthcare Systems Facility size ranges from small rural hospitals to large multi-location systems.

Primary and excess coverages available.

Insureds located in specific high volatility venues

Miscellaneous Facilities Home healthcare, hospice, outpatient primary care, allied healthcare schools, allied healthcare staffing, pharmacy, eye care services, weight management services, physical and occupational therapy, retail and closed door pharmacy, community health facilities.

Primary and excess coverages available.

Inpatient behavioral health, correctional health.

Genetic/IVF counseling/testing centers, birthing centers.

Social services and group homes.

Lexington Property - Excess & Surplus Lines

National Leadership

Cliff HopeHead of Lexington Property

Jill McTiernan Head of Alternative Risk Property,Lexington Insurance




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Target Appetite (Primary and Excess)

Commercial Real Estate Offices, Warehouses, Enclosed Malls, Strip Malls, Shopping Centers with Commercial Tenants

Public Entity Municipal Government (state, county, city), Education (Public K-12, Universities), Airports

Commercial Residential Apartment and Condominium Developers and Operators, including Institutional Investors

Temporary Lodging Hotels, Motels, Resorts

Retail General Merchandise, Clothing, Hardware, etc.

Hospitality & Entertainment Casinos, Amusement Parks, Sporting & Recreational Facilities, Theaters, Country Clubs, Restaurants

Healthcare Hospitals, Medical Clinics, Nursing Facilities

Manufacturing All Classes of Light and Heavy Manufacturing

Lexington Insurance Company is the leading U.S.-based surplus lines insurer, with innovative solutions, broad appetite for property risks, and the flexibility to participate on shared and layered primary and excess placements.

AIG’s distribution carrier for Excess & Surplus Lines (E&S) Property risks.

Participation on shared and layered, primary and excess placements on a non-admitted basis through Lexington Insurance Company.

Meaningful catastrophe capacity available throughout placements.

Typical minimum deductibles range from $25,000 to $100,000.

Minimum premium of $50,000 with consideration given based on risk size for smaller commercial clients.



Flexibility SStrength, Stability, Experience ClaimsBroad appetite across the spectrum of E&S risks.

Deliver creative solutions tailored to the unique nature of each individual risk to support our brokers’ abilities to structure effective solutions.

Streamlined submission process, underwriting, and quotation timelines designed for the demands of the E&S market.

Over 50 years of experience in understanding E&S risk.

Our property team is deep with talent and supports our clients with years of expertise in dealing with E&S risk.

Lexington Insurance Rating: A (Fitch), A (A.M. Best); Outlook: Stable (All).

Claims expertise to serve the unique needs of our clients.

Lexington’s Claims Promise affirms that our dedicated team of claims experts will mobilize in rapid response to a covered event and, after coverage is confirmed, will advance our policyholders up to 50% of an agreed loss estimate within 7 days.

Documents

North America Accident & Health Insurance: …...North America General Insurance Aerospace Claims 24/7 access to dedicated aviation adjusters and attorneys located in the UK, U.S.,