THIS INFORMATION IS INTENDED FOR INSURANCE BROKERS AND OTHER INSURANCE PROFESSIONALS ONLY. Product List Canada NEXT

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1 2016 THIS INFORMATION IS INTENDED FOR INSURANCE BROKERS AND OTHER INSURANCE PROFESSIONALS ONLY Product List Canada

2 At AIG, product innovation never stands still. If you want to discuss a product not featured in this brochure please contact us. Casualty AIG is a world leader in general, excess, and specialty casualty solutions. We offer primary, lead umbrella and high excess insurance for domestic and multinational organizations. Customized enhancements tailor coverage for the unique needs of a wide range of industries, from energy and construction, to real estate and financial institutions as well as manufacturing. We excel at meeting the needs of both large multinational clients seeking captives or controlled master programs, and growing companies drawn to our comprehensive casualty package for foreign exposures. Specialized products support clients through major crises, such as contaminated product incidents and product recalls. Our sound, high-limit capacity is coupled with stellar claims and litigation management capabilities that span the globe. Commercial Property Our market-leading global property capabilities enable clients of all types and sizes to maintain business continuity in the face of evolving property exposures. Our Property Performance Series, truly unrivalled anywhere, offers an easy-to-navigate all-risk property damage and business interruption policy for medium to large businesses in a wide range of industry sectors, while up to $2.5 billion in per risk and significant catastrophe capacity is available for wide-ranging occupancies worldwide. Our clients have extensive and experienced global underwriting, risk engineering and claims teams at their disposal, including experts dedicated to offshore, onshore, construction, property and boiler and machinery related risks. Complementing our commercial property portfolio, are our tailored marine solutions group and our highly experienced aviation team offering clients a proven track record of innovative products. Consumer Insurance Whether helping individuals protect what they cherish most, or enabling a major corporation to enhance its employees well-being, we help our clients to prepare for the uncertainties and opportunities of the future. We offer a broad array of personal insurance solutions for individuals, families and organizations. This includes personal accident, travel, warranty programs, homeowners, auto and our Plus+ product suite customized for various lifestyles. Sponsorpaid programs, employee voluntary plans, and individual coverage options are tailored for clients needs. Our products come to market through agents and brokers as well as direct marketing via partner organizations and the internet. Financial Lines Our market-leading financial lines products address the ever-evolving needs of clients ranging from growing private businesses, to the world s largest public corporations. Solutions include management liability, cyber liability, and targeted professional liability protection all marked by forwardlooking features that enable clients to outpace fast-moving exposures. Our substantial capacity and underwriting and claims expertise, coupled with our knowledge-rich local operations ensure that clients are well equipped to mitigate board-level risks, wherever they operate. With our proven record in the marketplace, clients know they have a committed partner for the long-term. No matter how challenging the financial lines environment, AIG is there. Fronting and Captive Services Fronting and captive services from AIG can provide companies with flexible, cost-efficient insurance programs that comply with requirements of local regulators as well as other counter parties. Our fronting programs help clients retain risk through a captive, rent-a-captive or other protected cell structure, or indemnity program. AIG also provides captive management and advisory services to clients. Programs Programs: Focuses on multi-line program solutions for small and mid-sized businesses. We offer a full breadth of property, casualty, and specialty coverages that are configurable for industry-centric solutions. Ease of doing business through a Program Administrator model is core to the value proposition. Specialty Risks A full inventory of Specialty Risks rounds out the cohesive approach of AIG, making it truly remarkable. Our Specialty Risks encompass Political Risk, Trade Credit, and Surety business. Across these distinct lines we share a singular reputation for our enduring market commitment; our innovation and flexibility in meeting client needs; and our deep technical expertise evidenced from underwriting, through loss prevention, to claims handling. AIG Multinational Solutions are available for certain products which include the following icon: 2

3 INTRODUCTION COMMERCIAL COMBINED ENVIRONMENTAL GLOBAL RISK MARINE PROPERTY TRADE CREDIT INTRODUCTION CASUALTY COMMERCIAL PROPERTY CONSUMER FINANCIAL LINES FRONTING AND CAPTIVE SERVICES PROGRAMS SPECIALTY RISKS SERVICES AIG MULTINATIONAL ACCIDENT & HEALTH CRISIS MANAGEMENT FINANCIAL LINES INDUSTRY MERGERS & ACQUISITIONS RISK MANAGEMENT CONSUMER LINES AEROSPACE ENERGY FLEET LIABILITIES POLITICAL RISK SURETY Casualty Primary Casualty Casualty Insurance General Casualty Risks Primary General Liability Lead Umbrella Follow-Form Excess Liability Sexual Misconduct Liability Commercial Automobile Liability Insurance (subject to binding GL. Other conditions may apply) Corporations Public entities Trucking business Contractors General Liability Insurance Many types of contractors from commercial drywall contractors to electricians Risk Managed Accounts Primary Casualty Insurance Excess Workers Compensation U.S. Workers Compensation Risk Financing Captive Management Services and Structures Loss Portfolio Transfers/Buyouts Construction Transportation Commercial accounts National accounts Umbrella/Excess Casualty Umbrella and/or Excess Liability Specialty Excess Buffers Commercial Umbrella Insurance Claims Made, Occurrence or Integrated Occurrence Forms U.S. Admitted Policy Capabilities Workers Compensation Commercial Umbrella Insurance Claims Made, Occurrence or Integrated Occurrence Forms U.S. Admitted Policy Capabilities Specialty Excess Buffers Catastrophic Excess Liability All companies located in the U.S. Please refer Please to refer policy to policy wording wording for for exclusions and and policy limits 3

4 INTRODUCTION CASUALTY COMMERCIAL PROPERTY CONSUMER FINANCIAL LINES FRONTING AND CAPTIVE SERVICES PROGRAMS SPECIALTY RISKS SERVICES AIG MULTINATIONAL Casualty Contaminated Products and Product Recall Contaminated Products Accidental Contamination Limits up to $35 million Malicious Product Tampering and Extortion Limits up to $50 million Minimum deductible $25,000 Food and beverage industries Topical products manufacturers (creams, shampoos, etc.) Product Recall Limits up to $10 million Minimum deductible $25,000 Minimum premium $15,000 Energy Casualty Energy Commercial Umbrella/Excess Liability Insurance Primary Casualty Insurance Automobile Liability Insurance Workers Compensation WorldSource Global Casualty Foreign Voluntary Workers Compensation Defence Base Act Travel Accident Services Global Controlled Master Programs including local country policies Worldwide Employers Liability Worldwide Primary Auto Liability with Physical Damage CrisisResponse Passport for Excess Casualty Ingredient manufacturers and suppliers Food and beverage manufacturers or distributors Flavours and fragrance Meat or seafood processors Chemicals (food and cosmetic grade) Pharmaceuticals (over the counter and contract manufacturers) Medical devices Packaging product manufacturers Educational toys Energy-related businesses including mines, chemical plants, utilities/power generation, alternative energy, oil and gas/ petrochemicals All companies whose employees travel nationwide or worldwide Canadian, U.S. and foreign-based multinational companies WorldRisk Foreign Commercial Package Canadian, U.S. and foreign-based multinational companies 1 Registered in the United States only under American International Group Inc. 4

5 INTRODUCTION CASUALTY COMMERCIAL PROPERTY CONSUMER FINANCIAL LINES FRONTING AND CAPTIVE SERVICES PROGRAMS SPECIALTY RISKS SERVICES AIG MULTINATIONAL Casualty Environmental Casualty Environmental & General Liability Exposures (EAGLE) Program (combines GL and PLL) Manufacturing and distribution companies Environmental Pollution Contractors Pollution Liability (CPL) Contractors Contractors Pollution Liability for Small Businesses Small business contractors Storage Tank Liability Insurance (TankGuard ) Storage tank owners 1 Registered in the United States only under American International Group Inc. 5

6 Commercial Property Aerospace Aerospace Products Liability Airlines Airports, Ground Handlers and Service Providers Liability General Aviation Light Aviation Capacity: $100 million Hull and $850 million Liability Global Property The Global Property division of AIG is a leading provider of insurance, risk management and loss prevention services for commercial property, energy and highly engineered risks around the world Commercial Property The Commercial Property unit is a longtime leader in the property insurance marketplace Up to $2.5 billion in per risk and significant catastrophe capacity available in a wide range of occupancies worldwide Energy and Engineered Risk Energy and Engineered Risk has one of the insurance industry s largest and most experienced global teams dedicated to assessing offshore, onshore, construction, property, boiler and machinery related risks Loss Prevention Engineering Global Property clients are supported by world class loss prevention and engineering capabilities delivered by dedicated, multinational teams highly specialized in many disciplines Large Limits Playbook Designed to help brokers and clients navigate our Large Limits product benefits and build a successful partnership with AIG Airlines, aircraft operations and aerospace facilities of all types Product manufacturers Non-owned aviation exposures, except those listed under Energy and Engineered Risks Oil, gas and petrochemical Chemical and pharmaceutical Mining Power generation, except those listed under Energy and Engineered Risks Marine Hull and Marine including Protection and Indemnity (P&I) Insurance Inland Marine Insurance Marine Cargo Property Performance Series 1 Playbook A sophisticated package of commercial property products and services to meet the growing needs of the middle market, except those listed under Energy and Engineered Risks 6

7 Consumer Insurance Employee Benefits Accidental Death & Dismemberment (AD&D) Critical Illness Hospital Cash Benefits Emergency Out of Country Medical Assistance Services Expariate Medical Occupational Accident Independent Contractors Occupational Accident Insurance Office workers Technical consultants Healthcare specialists Instructors Artisans Franchise owners Non-profit organizations Truckers Occupational Accident Insurance Motor carriers Owner-operators Contract drivers Special Risk Coverage Children s Camp Insurance Campers Staff Volunteers Daycare Centre/Nursery School Insurance Staff Students Hotel Guest Accident Insurance Hotel guests Short-Term Exposure Coverage Sports Insurance Amateur sports Volunteer Accident Insurance Film Insurance Movie production 7

8 Consumer Insurance Special Risk Coverage (Continued) Schools and Universities Recreation Groups Faith-based Organizations Associations and Affinity Groups Staff Students Visitors Private Client Group Homeowners Private Collections Auto Yacht Excess Liability Exclusive programs designed for high net worth and affluent clients Capacity for clients with the most complex insurance needs Innovative and flexible global solutions Superior risk management and claims services designed to help clients protect their homes, valuables and lifestyle Travel Guard Travel Insurance Trip Cancellation, Emergency Medical, Trip Interruption, Trip Delay Baggage, Delay/Loss Concierge and Travel Assistance Web Activation Accidental Death & Dismemberment (AD&D) Collision Damage Waiver/Loss Damage Waiver Warranty Represent largest and most respected brands Flexible operating platforms - customization Product administration Full service solutions Provision of end-to-end capabilities (underwriting to servicing) Leisure and business travellers Tour operators Wholesalers Travel agents and brokers White label products Financial institutions Consumer electronics (televisions, tablets, mobile phones) Major appliances HVAC/R 8

9 INTRODUCTION COMMERCIAL COMBINED ENVIRONMENTAL GLOBAL RISK MARINE PROPERTY TRADE CREDIT INTRODUCTION CASUALTY COMMERCIAL PROPERTY CONSUMER FINANCIAL LINES FRONTING AND CAPTIVE SERVICES PROGRAMS SPECIALTY RISKS SERVICES AIG MULTINATIONAL ACCIDENT & HEALTH CRISIS MANAGEMENT FINANCIAL LINES INDUSTRY MERGERS & ACQUISITIONS RISK MANAGEMENT CONSUMER LINES AEROSPACE ENERGY FLEET LIABILITIES POLITICAL RISK SURETY Financial Lines Financial Institutions Professional Liability Insurance Agents & Brokers Professional Liability Investment Management Insurance Edge Crime Private Equity Professional Edge Security Broker/Dealer Professional Liability PortfolioSelect Financial Institutions Bonds (Form 14, 15, 24 & 25) Banks Insurance companies Insurance agents Asset management Private equity Security broker/dealer & captive agents Real estate (REIT s, MIC s and Mortgage Brokers) All applicable financial institutions Cyber CyberEdge All applicable financial institutions Public and Private D&O Public Company D&O Insurance (Executive Edge ) Private Company D&O Insurance (Financial Institutions Risk Protector ) All applicable financial institutions Employment Practices Employment Edge All applicable financial institutions Fiduciary Public Offering Pension Trust Liability Insurance (Fiduciary Liability Insurance Edge ) Public Offering of Securities Insurance (Prospectus Edge ) All applicable financial institutions All applicable financial institutions Mergers and Acquisitions Representations and Warranties Insurance Tax Liability Insurance Contingent Liability Insurance Litigation Buyout Insurance All applicable financial institutions Please refer Please to refer policy to policy wording wording for for exclusions and and policy limits 9

10 Financial Lines Kidnap and Ransom Excess Kidnap, Ransom and Extortion Insurance (CrisiSolution ) Excess Edge Side A D&O Insurance (Executive Shield) All applicable financial institutions All applicable financial institutions Locally Admitted Policies Locally Admitted Insurance Coverage (Passport) All applicable financial institutions Private & Non-Profit Companies Directors and Officers Package Products Employment Practices PrivateEdge Plus Not-For-Profit Risk Protector PortfolioSelect for private and not-for-profit entities Employment Edge All private and not-for-profit companies or organizations All private and not-for-profit companies or organizations Crime Fidelity and Crime Insurance (CrimeGuard Choice & Comprehensive Crime Guard) All private and not-for-profit companies or organizations excluding armoured trucks Cyber CyberEdge All private and not-for-profit companies or organizations Fiduciary Liability Pension Trust Liability Insurance (Fiduciary Liability Insurance Edge ) Multi-Employer Pension Trust Liability (9/99 Form) All private and not-for-profit companies or organizations Kidnap and Ransom Kidnap, Ransom and Extortion Insurance (CrisiSolution ) All private and not-for-profit companies or organizations Excess Excess Edge Side A D&O Insurance (Executive Shield) All private and not-for-profit companies or organizations 10

11 Financial Lines Public Companies Directors and Officers Public Company D&O Insurance (Executive Edge ) PortfolioSelect for public companies All publicly-traded companies Employment Practices Employment Edge All publicly-traded companies Crime Fidelity and Crime Insurance (CrimeGuard Choice ) All publicly-traded companies Cyber CyberEdge All publicly-traded companies Fiduciary Liability Pension Trust Liability Insurance (Fiduciary Liability Insurance Edge ) All publicly-traded companies Public Offering Public Offering of Securities Insurance (Prospectus Edge ) All publicly-traded companies Kidnap and Ransom Kidnap, Ransom and Extortion Insurance (CrisiSolution ) All publicly-traded companies Excess Locally Admitted Policies Excess Edge Side A D&O Insurance (Executive Shield) Locally Admitted Insurance Coverage (Passport) All publicly-traded companies All publicly-traded companies Professional Liability Architects and Engineers Architects and Engineers Professional Liability Insurance Design firms and projects of all sizes 11

12 Financial Lines Education, Not-For-Profit and Public Entity Professionals Legal Professionals Public Officials Employment Practices Liability Insurance (Leaders Risk Protector) Professional and Management Liability for Schools (Leaders Risk Protector) Association Professional Liability Insurance (Leaders Risk Protector) Employed Lawyers Professional Liability Insurance (Corporate Counsel Premier) Lawyers E&O Public entities Public school districts Not-for-profit schools Trade and Professional Association Primary, over 100 lawyers Media and Technology Professionals Other Professional Groups Media Liability, Tech E&O and General Insurance (Specialty Risk Protector) Miscellaneous Professional Liability Insurance Third Party Administrators Professional Liability Insurance Pre-packaged and custom software developers Hardware developers IT consulting System analysis and design Integration, data processing, database management, website design and IT staffing firms Accountants Consulting and marketing firms Real estate brokers Manufacturers Property managers Cyber CyberEdge Corporate Identity Protection Excess Excess Edge All applicable professional liability classes Locally Admitted Policies Locally Admitted Insurance Coverage (Passport) All applicable professional liability classes 1 Registered in the United States only under American International Group Inc. 12

13 Fronting and Captive Services Fronting and Captive Services programs are designed to address virtually any risk, including: Aviation Automobile (Liability & Physical Damage) General Liability Contractors All Risk Fidelity Professional Liability/E&O Product Liability Extended Warranty Workers Compensation Employers Liability Property/Business Interruption Global Programs Marine Employee Benefits Cyber Risk Product Recall Manage cash flow: prepare for unforeseen financing for losses Litigation or investigation expenses Proof of insurance to support marketing and sales initiatives M&A coverage gaps Fronting Programs enable clients to retain an element of risk, virtually anywhere in the world, in any line of business, via any financing method: Captives Rent-A-Captives Indemnity Programs Captive Services provides a complete range of services regarding the feasibility, structuring, formation, and management of captives with an in-depth understanding of each domicile s regulatory requirements and local business practices 13

14 INTRODUCTION CASUALTY COMMERCIAL PROPERTY CONSUMER FINANCIAL LINES FRONTING AND CAPTIVE SERVICES PROGRAMS SPECIALTY RISKS SERVICES AIG MULTINATIONAL Programs Programs Property Liability Professional Liability Auto Crime Umbrella 14

15 Specialty Risks Political Risk Confiscation, Expropriation, Nationalization with optional Political Violence Coverage Currency Inconvertibility and Non-Transfer Contract Frustration Wrongful Calling of Bonds Surety Contract Bonds Bid Bonds Performance/Labour Payment Bonds Material Payment Bonds Supply Bonds Advance Payments Alternative to Bank Performance Letter of Credit Mobile assets Permanent investments Contracts Commercial loans Construction Infrastructure Support services Transportation Telecommunications Energy (including alternative and renewable) Environmental Surety Environmental contractors Engineers Landfill and liner contractors Consultants Hazardous/non-hazardous waste transporters Trade Credit Domestic and Export Credit Insurance Top-Buyer/Single Buyer Policy Financial Institutions Credit Insurance Multinational Credit Insurance Programs Trade Finance Global Limits Manager Discounted third party collection services Discretionary credit cover and non-cancellable limits available to qualified clients 15

16 INTRODUCTION COMMERCIAL COMBINED ENVIRONMENTAL GLOBAL RISK MARINE PROPERTY TRADE CREDIT INTRODUCTION CASUALTY COMMERCIAL PROPERTY CONSUMER FINANCIAL LINES FRONTING AND CAPTIVE SERVICES PROGRAMS SPECIALTY RISKS SERVICES AIG MULTINATIONAL ACCIDENT & HEALTH CRISIS MANAGEMENT FINANCIAL LINES INDUSTRY MERGERS & ACQUISITIONS RISK MANAGEMENT CONSUMER LINES AEROSPACE ENERGY FLEET LIABILITIES POLITICAL RISK SURETY Services PLATFORM PROGRAM MARKET Environmental Policyholder Programs Pollution Incident & Environmental Response (PIER) Program Environmental Engineering The RiskTool System Loss Control Engineering Resources Standard engineering services Property L/C surveys Hazard evaluation and fire protection reviews Loss expectancy analysis New construction and fire protection plan review Impairment monitoring Service resources, capabilities and qualified engineers +400 property engineers Experience in various occupancy types Detailed risk assessments, evaluations and engineered solutions Specialized seismic, wind and fire investigation services Appraisal services Uniform engineering guidelines International presence Global network Engineering offices in 16 countries Resident field engineers based in more than 35 countries Casualty Risk Control Evaluate risk and be the valued-added resource for the client Work with the client to improve overall safety management program through risk improvement while providing industry best practices RiskTool Advantage All policy holders All policy holders All policy holders All policy holders All policy holders Please refer Please to refer policy to policy wording wording for for exclusions and and policy limits 16

17 Services PLATFORM PROGRAM MARKET RiskTool A comprehensive loss prevention and risk management system which offers a wealth or risk control tools and information for mitigating health, safety, property and environmental risks in the workplace Allows for streamlined compliance and loss prevention activities while reducing administration and increasing efficiency Claims Canada s largest commercial claims team with over 100 professionals with an average 19 years of experience Includes 7 lawyers with litigation experience Handled approx 18,000 claims in 2015 and paid out $408 million in claims Montreal claims team offers bilingual services Strong record of using alternative dispute resolution to reduce overall claims costs and increase client satisfaction Select policy holders who are looking for a robust web-based system providing key tools and applications that can help identify and reduce health, safety and fleet risks across the workplace All policy holders 17

18 AIG Multinational Solutions AIG s global network spans more than 200 countries and includes the largest owned insurance network available in the Property Casualty industry. Whether you opt for local policies, one global policy, or a controlled master program, our global network, experience and flexibility give you competitive advantages. Control & Consistency in Managing Risk. You can count on efficient, consistent high-quality underwriting, loss control and claims services throughout our global operations, which services clients in more than countries. AIG has the largest owned insurance network available in the Property Casualty industry. With an exceptionally well-established network we ve been in 70 per cent of the countries in which we operate for more than 25 years and our companies have been licensed in nearly 30 per cent of their markets for more than 50 years. Local Knowledge and Experience, Worldwide. Our local employees worldwide provide knowledge and expertise to enrich all facets of your multinational insurance program. We work closely with you, examining and navigating all the issues relevant to your program, from program design to claims handling, where you operate. Whatever your multinational needs, you can trust us to handle them: We ve been in this business for more than 90 years. ( 1 includes owned operations and network partners.) AIG Multinational may not be available in every jurisdiction. Please check with your local representative to confirm. 18

19 American International Group, Inc. (AIG) is a leading global insurance organization. Founded in 1919, today we provide a wide range of property casualty insurance, life insurance, retirement products, mortgage insurance and other financial services to customers in more than 100 countries and jurisdictions. Our 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 and the Tokyo Stock Exchange. Additional information about AIG can be found at and YouTube: LinkedIn: com/company/aig. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. AIG Insurance Company of Canada is the licensed underwriter of AIG Commercial and Consumer insurance products in Canada. Coverage may not be available in all provinces and territories and is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. The AIG logo and AIG are trademarks of American International Group, Inc., used under license by AIG Insurance Company of Canada. Additional information about AIG Canada can be found at American International Group, Inc. All rights reserved. 09/ D