Commercial Insurance Clarity and Opportunity: Our Capabilities INTRODUCTION | KEY LINES of BUSINESS | CLAIMS

Asi a Commercial Insurance Clarity and opportunity: our capabilities INTRODUCTION | KEY LINES OF BUSINESS | CLAIMS

CLARITYClarity AND O andPPORTUNIT OpportunityY A vital component to successfully working together is providing clarity about our underwriting appetite. In this brochure, we pinpoint preferred industries and business sectors, and the competitive advantages for each of our product areas, so you can get the best out of AIG Global Commercial Insurance!

Collaboration Together we can improve your bottom line. We can help you stand out from your competitors, win and retain more clients, and deliver better client service with reduced costs. INTRODUCTION | KEY LINES OF BUSINESS | CLAIMS

COMMERCIAL PROPERTY > TRADE CREDIT >

AIG MULTINATIONAL >

ENVIRONMENTAL > POLITICAL RISK >

ENERGY & FINANCIAL LINES > ENGINEERED RISK > CONSTRUCTION >

SME PaCKAGE >

CASUALTY > MARINE > AEROSPACE > SURETY > GLOBAL RISK SOLUTIONS > INTRODUCTION | KEY LINES OF BUSINESS | CLAIMS

AIG MULTINATIONAL Solutions, Your Way

HEADLINES KEY SECTORS AIG ADVANTAGE Wherever our clients are today, wherever they want to • Multinational companies in all sectors • A multinational program tailored to unique needs be tomorrow, we give them the protection and service and sizes and preferences, whether local policies, a global they need to do business with confidence. Our flexible, • Companies expanding internationally policy, or a combination, a controlled master collaborative approach and resources enable clients to program. • Captives and risk-managed programs make informed decisions as they secure the multinational • Consistent high-quality underwriting, loss control/ solutions that work best for their organizations. • Asia Pacific based companies engineering and claims services, wherever a • AIG Multinational Philosophy – a practical, flexible expanding regionally and/or globally company operates. and informed approach to best meet & respond to • Cross border opportunities where • Deep local knowledge and expertise, infusing all your clients needs. clients and their advisors seek to facets of a program with local support worldwide. • AIG Multinational training – both online (multi lingual arrange and coordinate insurance in one country and have local policy • Insights and tools that facilitate informed decisions in – English, Chinese, Japanese) and subsequent face managing multinational risks. to face sessions, tailored around mutual multinational issuance and service in another clients/targets • A dedicated team of multinational specialists cross Asia Pacific to partner in multinational targeting, • AIG Multinational Program Design Tool – web based, program design, implementation and service easily accessible tool that provides a framework for client focussed program design discussion & decision making (available in English, Chinese and Japanese)

Visit the AIG Multinational Resource Centre > LEARN MORE

Asia Pacific KEY LINES OF BUSINESS:

AIG MULTINATIONAL COMMERCIAL PROPERTY MARINE TRADE CREDIT SME Package FINANCIAL LINES ENERGY & ENGINEERED RISK AEROSPACE POLITICAL RISK GLOBAL RISK SOLUTIONS CASUALTY CONSTRUCTION ENVIRONMENTAL SURETY INTRODUCTION | KEY LINES OF BUSINESS | CLAIMS

MARKET-LEADING PRODUCTS FROM A WORLD LEADING FINANCIAL LINES INSURER

HEADLINES KEY SECTORS AIG ADVANTAGE • Awarded Best Global D&O, Cyber Risk, and • Management Liability • A long-tenured global claims team with the specialization, Employment Practices Liability Insurer in 2013 by -- Directors and Officers Liability expertise, and relationships to effectively resolve claims around Global Finance magazine. -- Private Edge the world. • Trusted partner of more than 20 million individuals (private and not-for-profit entities) • Global underwriting capacity combined with the broad risk and some of the largest global companies to help them -- Crime appetite and financial strength needed to address emerging and stay ahead of the curve of the next cyber breach. -- Employment Practices Liability challenging exposures. -- Pension Trust Liability • First D&O carrier in the market to offer US $100M in -- Kidnap and Ransom • Market-leading, forward-looking products and services tailored global Side-A D&O capacity. to protect clients as their operations change and risks evolve. • Professional Indemnity • Paid over US $2.8BN in claims globally in the first nine -- Cyber Liability • Responsive underwriting, loss prevention, and claims teams to months of 2013. -- Architects and Engineers react quickly and give guidance when needed, from assessing • One of the largest and most experienced teams in the -- Single Projects needs through processing claims. global Mergers & Acquisitions insurance market. -- Miscellaneous Professional Services • A committed partner for the long-term, no matter how • Mergers & Acquisitions • Coordinated underwriting excellence to efficiently challenging the environment or risk. adapt and grow with clients as they realize future • Customer Segments opportunities and gain revenue, exposure, or -- Multinational Organizations complexity. -- Public and Private Companies -- Non-Profit Entities • Experience and appetite to offer facilities and schemes -- Financial Institutions for small businesses in a wide array of industries. -- Small business and SMEs • All Industries LEARN MORE

A sia PaCIFIC KEY LINES OF BUSINESS:

P RIMARY AND EXCESS CASUALTY UNDERPINNED BY EXCELLENT LOSS PREVENTION AND CLAIMS HANDLING EXPERTISE

HEADLINES KEY SECTORS AIG ADVANTAGE • E xpertise: We have expertise in conventional and non- • Primary, excess, and cat-excess • Strong appetite for medium and large clients - conventional structures; loss sensitive and guaranteed cost; • Non-conventional placements, difficult and helping you win and retain business. multinational and mid-market segments. We have particular potentially catastrophic risks • Dedicated claims specialists for large, complex expertise in construction, energy, healthcare (Workers’ • Multinational risks of all shapes and sizes and express claims so we can deliver the right Compensation), food and beverage, export products liability claims experts, and give your clients the best and niche high risk workers’ compensation programs • Workers’ compensation / Employer liability claims service as quickly as possible. • Loss Prevention: Our specialists are available to assist and • Energy and utilities • Specialist loss control engineers with expertise advise even before a claim occurs in a range of scenarios: • Construction in loss prevention, healthcare, safety, worker safety in healthcare, large Workers’ Compensation (WC) legislation, risk management and mitigation, • Employee accumulation risks including offshore programmes, and other niche WC programmes; food safety and all designed to reduce your clients’ chances of and aircrew recall preparedness for the food and beverage industry; and suffering a loss. consumer safety in product liability. • Manufacturers such as chemicals, minerals, • Strong underwriting focus and loss control metals, electronics and machinery • Claims Network: Best-in-class claims network provides access capabilities makes us an expert and responsive to dedicated account managers and complex claim specialists. • Service industry and financial institutions partner for difficult, challenging and unusual • Construction: Dedicated underwriters with local expertise and • Recall solutions for the food and beverage risks, helping you win and retain key accounts. authority worldwide, seasoned claims staff with broad experience industry with complex and express claims as well as wrap-up programs and other construction-specific specialties. • Hospitality • E xcess Casualty: Mitigate losses by employing AIG’s robust litigation management infrastructure, including expert in-house staff counsel, leading panel counsel, and exceptional litigation strategies (testing defence tactics, guidance on venues, mock LEARN MORE trials, and shadow juries).

A sia PaCIFIC KEY LINES OF BUSINESS:

COMMERCIAL PROPERTY INSURANCE FOR A DIVERSE RANGE OF CLIENTS

HEADLINES KEY SECTORS AIG ADVANTAGE • Market leading capacity with access • Comprehensive property insurance, risk management, • Market leading capacity - supports 100% of to US$1.5BN for well- protected, and loss prevention engineering providing full-service clients property insurance needs. well-managed risks. solutions for clients across segments and occupancies. • Ensures direct access to experienced underwriting • Insure some of the world’s largest • Large Limits clients with total insurable values (TIV) decision-makers with local authority. most complex organizations. over US$750M. • Deeply specialized worldwide risk engineering • Flexible AIG risk management • Middle Market clients with TIV of US$25 - $750M. capabilities – helps clients identify and reduce support provided on a global basis. • Coverage provided across wide range of industry their exposure to loss. • Global, consistent product and sectors including: Manufacturing, Telecommunications, • A true business continuity partner - provides service capabilities. Public Entities, Education, Healthcare, Real Estate, outstanding worldwide catastrophe claims Retail and other commercial classes. expertise clients can count on when disaster strikes. • Unparalleled multinational proposition - for businesses of all types and sizes.

LEARN MORE

A sia PaCIFIC KEY LINES OF BUSINESS:

GLOBAL REACH, COMPETITIVE CAPACITY AND INDUSTRY EXPERTISE FOR ENERGY AND ENGINEERED RISKS

HEADLINES KEY SECTORS AIG ADVANTAGE • Available limits up to US$1BN for onshore • Oil and Petrochemicals • Stable, uniform global capacity accessible operational property risks. (refining, mid and downstream) locally. • Available limits of US$250M capacity for • Power Generation, Utilities and • Worldwide reach, multinational capabilities, Oil Rig (upstream E&P). Alternative Energy including Captive Management and • US$225M Probable Maximum Loss (PML) • Chemicals and Pharmaceuticals Alternative Risk Solutions. capacity available for Construction risks. • Mining and Related Industries • Specialist engineering teams globally positioned to meet our customer needs. . • Significant catastrophe capacity available • Oil Rig (upstream exploration and worldwide. production) • Experienced claims team able to expedite major energy losses. • Experienced team of global underwriters. • Construction including heavy civil • Broad underwriting appetite. engineering • Highly specialized loss prevention engineering services.

LEARN MORE

A sia PaCIFIC KEY LINES OF BUSINESS:

Global solutions for the construction industry

HEADLINES AIG ADVANTAGE • aiG has one of the largest construction AIG’s single carrier solution allows us to leverage From Australia to Vietnam, Beijing to Qatar, we have practices of any insurer in the world, relationships across business units and geographies led hundreds of insurance programs on some of the having supported some of the most to offer economies of scale, greater convenience and most complex construction megaprojects globally, complex industrial, commercial, civil and broader solution sets for our construction clients. including nuclear reactors, refineries, liquified infrastructure projects. • Unparalleled Breadth of Insurance natural gas installations and high speed rail. • We have over 50 years’ experience Products and Services We can help simplify the complexity of multinational insuring construction projects around the Our unmatched portfolio of specialized projects that require global coordination, crafting globe with unrivaled expertise, coverage coverages addresses a variety of construction a range of program structures and locally admitted and capacity to support your needs. risks and is constantly evolving as we collaborate insurance around the world, including captives. • We deliver tailor-made insurance with clients to customize new solutions. Our global team of loss prevention consultants and solutions, innovative loss prevention • Ease of Transacting Business engineers are highly skilled in the evaluation of strategies and unsurpassed claim Accessible through dedicated construction teams hazards unique to construction operations and the handling across all types of large-scale worldwide, AIG’s construction solutions help improvement of relevant management systems to help construction projects. clients and brokers manage the complexity of the control risks. marketplace and harness on-the-ground construction Hired from the industries they serve, our engineers resources wherever clients may have exposures. bring sector- and project phase-specific expertise • Holistic Program View that can be tailored to meet your specific project’s We have the unique ability to lead multiple lines particular needs. and tailor coverage to reflect the individual risk profile and footprint of each project. AIG delivers a seamless insurance program that can mitigate LEARN MORE gaps in coverage, inconsistency of service and costly claim disputes across various policies.

A sia Pacific KEY LINES OF BUSINESS:

A LEADING GLOBAL MARINE INSURER

HEADLINES KEY SECTORS AIG ADVANTAGE • For over 90 years, we have been • Marine Cargo • Underwriting, loss control, claims and recovery one of the world’s leading providers • Marine Liability services provided by marine specialists globally. of marine insurance for importers, • Inland Marine • Flexible programs, tailored for client needs exporters, vessel owners/ operators including alternative risk management solutions. as well as inland marine, recreational marine and marine operations • High quality coverage for multinational risks, worldwide. including locally admitted policies. • We have marine offices in more • One of the few truly global marine insurers who than 50 countries and the ability to provides local service. transact business in 90+ countries. • Unmatched capacity for all marine risks. • We offer a full-range of comprehensive marine and inland marine product offerings.

LEARN MORE

A sia PaCIFIC KEY LINES OF BUSINESS:

GLOBAL CAPACITY FROM AN AEROSPACE MARKET LEADER

HEADLINES KEY SECTORS AIG ADVANTAGE • A market leader for over 65 years • Aerospace product manufacturers, distributors, and • Expert underwriters empowered to make in the aerospace insurance industry maintenance repair and overhaul (MRO) operations decisions locally. with broad global expertise. • Aerial applications • Highly experienced aviation teams with • Significant capacity in all aviation • Domestic and regional airlines proven track record of product innovation. segments: up to USD850M any • Airports • Commitment to building a partnership one occurrence (Liability); up to • Business aircraft and corporate fleets between underwriter, intermediary and USD100M any one aircraft (Hull). client to help win and retain business. • Charter / commercial • Long term commitment to our clients. • Fixed base operators • Proven record for listening and responding • Extensive experience in handling to needs of our clients and first class major losses. • Helicopters dedicated servicing capabilities to maximize • Heliports • Ability to provide insurance solutions retention. for virtually all risks, in all classes of • Modification and epairr facilities • Worldwide claims handling expertise. business, in the aerospace industry. • Personal pleasure aircraft • Space

LEARN MORE

Asia Pacific KEY LINES OF BUSINESS:

SOLUTIONS FROM AN AWARD-WINNING ENVIRONMENTAL LIABILITY INSURER

HEADLINES KEY SECTORS AIG ADVANTAGE • Global environmental capacity of US$50M. • Manufacturing • Offering support and guidance from the • 200+ dedicated environmental employees in • Healthcare largest, most experienced underwriting and more than 35 offices around the world. claims handling organization in the industry • Hospitality - backed by more than three decades of • Largest and most experienced environmental • Transportation and Logistics experience underwriting environmental risks. claims specialist team with approximately 90 dedicated professionals. • Waste Management • International footprint to service fully compliant multinational programs - local • Real Estate • Diverse environmental product offerings market expertise, local insurance practices, worldwide including Pollution Legal Liability • Energy local environmental laws, regulations and (PLL), EnviroPro, Contractors Pollution Liability coverage requirements. (CPL) and Contractors and Professional Services Liability (COPS). • Access to a truly global network with dedicated environmental professionals in • Dedicated environmental engineering and loss offices located around the world. control staff providing value-added services tailored to meet the specific needs of our insureds.

LEARN MORE

A sia PaCIFIC KEY LINES OF BUSINESS:

EXCELLENCE AND INNOVATION IN TRADE CREDIT INSURANCE

HEADLINES KEY SECTORS AIG ADVANTAGE • 35 years of helping companies increase • Leaders in their field, across • Our experienced and skilled, local underwriting teams their sales and manage their working multiple industries who have a and policy servicing capabilities, recognized for their capital. professional approach to credit risk industry excellence by leading trade publications since • We offer a full-range of products management. 2009, are supported by our globally owned network including excess of loss coverage • Typically look at accounts with US of operations serving customers in 130 countries and featuring non-cancellable limits. $50M to $2BN in annual sales. jurisdictions. • We have underwriting offices in 16 • Businesses with an international • We provide clients with flexible program structures countries and are licensed to write trade footprint. to allow a high level of autonomy when granting credit insurance in over 65 countries customers credit. worldwide. • We offer discounted debt collection services through a third-party agency. • Our Global Limits Online Policy Management System allows clients to apply for credit limits, review coverage, and access macroeconomic data anytime and from anywhere.

LEARN MORE

A sia PaCIFIC KEY LINES OF BUSINESS:

POLITICAL RISK INSURANCE: FLEXIBILITY, STABILITY AND EXPERIENCE ON YOUR SIDE

HEADLINES KEY SECTORS AIG ADVANTAGE • We are a committed provider of political • Manufacturing - heavy industry, • We offer non-cancelable policy terms up to risk insurance with a 35 year record of chemicals, food and beverage and 15 years with industry-leading limits up to US underwriting and claims payments. AIG has others $120M available for a single risk. Limits can the market’s longest continuing political risk • Construction also be provided in Euro, Pound, or Yen. reinsurance treaty. • Mining • We have dedicated political risk underwriters • With a long-established global network conveniently located in New York, Chicago, San that today spans more than 200 countries • Oil and Gas Francisco, Toronto, London, Sydney, Tokyo and worldwide, we are there when and where • Agricultural Production Singapore and are ready to put our global network, our clients need us. relationships and expertise to work for you. • Defense • From economists, to attorneys, to claims • We have the local knowledge to help clients resolve • Telecommunications negotiators, AIG puts at your disposal the problems before they escalate -- and the in-country local experts needed to mitigate political • Wholesale/Retail resources and relationships to resolve claims risk-related losses the world over. expeditiously when they do erupt. • We were the first private insurer to be part • Whether a company’s overseas property, income of the Berne Union, the premier international or assets are threatened by foreign government organization for the global export credit and action or inaction, political uprising, currency investment insurance industry. LEARN MORE inconvertibility and non-transfer or government default, we can help.

A sia PaCIFIC KEY LINES OF BUSINESS:

A LEADING INSURER IN INTERNATIONAL SURETY

HEADLINES KEY SECTORS AIG ADVANTAGE • Over 70 years’ underwriting • Construction • Expertise to address complex transactions experience. • Engineering (mechanical and electrical) and put difficult deals together in the market. • Relationships with nearly all major • Energy (traditional and alternative) • Solutions oriented – looking for ways to get international leading ENR clients. things done within core client base. • Project finance deals • Flexibility and ability to consider • Ability to communicate and review projects up to 10 years duration. • All other sectors with a bond requirement documentation in many languages, including (other than financial guarantees) • Significant capacity available for English, Chinese, Japanese, Spanish, Italian qualified accounts and able to put • Infrastructure and French. difficult deals together in the market. • Telecommunications • Unparalleled global representation. • Work with local, regional • Support Services and international brokers and • Transportation intermediaries.

LEARN MORE

A sia PaCIFIC KEY LINES OF BUSINESS:

Outstanding protection and value for SMEs from our Package Insurance

HEADLINES KEY SECTORS AIG ADVANTAGE • Multiple ways of doing business - pre-priced • Shops, Stores, Kiosks and Retail Outlets • Outstanding breadth of coverage and support solutions, electronic data transmission, click • Professional and Financial Offices, Bureaus services to help our intermediary partners win and buy web sites, call center capabilities and earn loyalty of clients. • Surgeries, small Health Centres • Outstanding protection for customer with • Delivering value to our customers, protecting broad coverages and support service • Cafes, Restaurants and Hotels their balance sheets with customer and capabilities. • Venues, Museums, Galleries and industry segment specific packages designed • Scheme and portfolio underwriting places of interest around their specific insurance needs. expertise. • Education facilities - kindergartens, small • We strengthen our intermediaries’ programs schools, small tertiary institutions and schemes management capabilities by working with them to build insurance packages • Contractors for target business sectors. • Technology, Media and Entertainment • Condominiums

LEARN MORE

A sia PaCIFIC KEY LINES OF BUSINESS:

GLOBAL RISK SOLUTIONS: your partner for non-traditional solutions to unique risks

HEADLINES AIG ADVANTAGE • Market leader providing global fronting programs • 50+ years of providing global captive • A history of partnering with clients to throughout the world that insure virtually all types of fronting solutions leveraging AIG’s truly understand their business needs to risk, while enabling clients to retain some or all of network of owned operations in over 90 provide innovative risk transfer and risk the risk. countries, supported as required by local financing solutions. • Innovative programs to transfer risks that are insurance partners. • In-depth knowledge and advice on complex, unusual, and /or difficult to address. • 20+ years in delivering non-traditional programs, coverage and regulations. • Flexibility to insure almost all lines of business. solutions to our clients’ unique risks, • Extensive product customization ability. using innovative structured (re)insurance • Technical expertise to cover risks for which there is no solutions. • Full access to AIG’s multinational policy conventional insurance market. issuance capabilities and expertise • A market leader providing non-traditional controlling multi-currency cash flows. • Full range of captive management services. insurance and reinsurance solutions. • Rent-A-Captives through AIG’s cell captive facilities • Unique deal team culture bringing provide simple, cost-effective risk retention solutions. together underwriters, actuaries, lawyers, • Superior servicing and claims handling, reporting, accountants, credit officers, claims and management. professionals and operational specialists.

KEY SECTORS • Large Commercial • Financial Institutions • Growing Middle Market Companies LEARN MORE • Multinational Corporations

A sia PaCIFIC KEY LINES OF BUSINESS:

A sia Pacific Europe, Middle East, Africa Americas AIG Asia PacificI nsurance Ltd. AIG Europe Limited U.S. & Canada Latin America & Carribean AIG Building 150 Cheapside American International Group, Inc. AIG 78 Shenton Way London EC2V 6ET 175 Water Street 701 Brickell Ave. #07 – 16 Tel: +44 (0) 20 7651 6061 New York, NY 10038 Suite 2300 Singapore 079120 +44 (0) 20 7651 6065 Tel: + 1 212 458 5000 Miami, FL 33131 Tel: + 65 6419 3000 Tel: + 1 786 777 7779 www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIGinsurance | LinkedIn: www.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. 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. BACK | Print

AIG MULTINATIONAL SOLUTIONS, YOUR WAY

You’re not just building a multinational program, you’re building a global partnership with shared knowledge, collaboration and transparency.

Universal An Unparalleled Global Network A Flexible, Far-Reaching Inventory Advantages • A global network spanning over 200 countries1 that • Our broad breadth of products ensures clients can secure includes the largest owned insurance network in the the solutions they need —from traditional property and property casualty industry. casualty, to highly specialized offerings and captive • Well entrenched local operations with local employees: capabilities. AIG has been in 70 percent of the countries in which we • We offer flexibility others don’t: operate for more than 25 years and our companies have -- Providing local/global policies based on client needs/ been licensed in nearly 30 percent of their markets for preferences. more than 50 years. -- Tailoring programs with everything from higher property Deep Local Knowledge & Experience limits, to unique terms and conditions. • Local staff worldwide helping clients examine and navigate all issues relevant to their programs, from program design A Commitment to Outstanding Service to claims handling. • Excellent service -from prompt policy issuance, to timely movement of money worldwide. • More than 90 years of experience, so we can handle whatever comes our client’s way. • Specialized local loss control and engineering capabilities, with hundreds of engineers and consultants worldwide. • Clients tap into our knowledge and experience to enhance their own risk management practices through: • A balance of swift local response and centralized coordination of claims through 10,000 dedicated claims -- AIG Multinational Program Design Tool professionals worldwide. -- AIG Multinational Training Programs -- AIG Multinational Resource Center AIG Multinational training Both on line (multi lingual – English, Chinese, Japanese) and A Transparent, Partnership Approach subsequent face to face sessions, tailored around mutual • We listen, understand each client’s issues, and respond to multinational clients/targets. their particular requirements and preferences. • Tools and resources empower clients to make well informed AIG Multinational Program Design Tool decisions - from initial program design to everyday Web based, easily accessible tool that provides a framework insurance management. for client focussed program design discussion & decision making (available in English, Chinese and Japanese). • Centrally, we partner with clients to design programs that achieve their overall objectives; locally, we work with clients to execute the program and provide customized services, day to day and beyond. Visit the AIG Multinational Resource Centre >

1Includes both owned operations and network partners. Learn more at www.aig.com/multinationalresourcecenter

Key Sectors • Multinationals companies in all sectors and sizes. • Asia Pacific based companies expanding regionally • Companies expanding internationally. and/ or globally. • Captives and risk managed programs. • Cross border opportunities where clients and their advisors seek to arrange and coordinate insurance in one country and have local policy issuance and service in another.

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

MARKET-LEADING PRODUCTS FROM A WORLD LEADING FINANCIAL LINES INSURER

Financial Lines provides innovative management liability, cyber liability, Mergers and Acquisitions liability and specific professional indemnity protection tailored to fit the individual needs of domestic and multinational organizations. Our global capacity, expertise, and claims capabilities, coupled with our local presence, provide clients with the tools needed to mitigate the emerging board level risks faced while striving towards a successful future.

Our Advantages Global Claims Excellence Responsive Guidance The specialization, expertise, and relationships of our long- Our underwriting and claims teams have local presence tenured global claims team ensure effective resolution of a supported by global resources. This structure allows us to be claim regardless of where clients are located around the world. responsive and react quickly to give guidance when needed, Through our centrally managed global claims organization, our from assessing needs through processing claims. The strong local claims professionals are empowered to service clients’ relationships we have with vendors, including forensic, legal, needs at the country level, providing a well coordinated claims and communications, ensure rapid support. experience. Unwavering Commitment Risk Appetite, Capacity, and Financial Strength Our commitment to clients extends far beyond the latest trends Our global underwriting capacity, combined with our robust and challenges in the marketplace. We partner with clients for appetite for risk and the financial strength to deliver on that the long-term, no matter how challenging the environment or commitment, means fewer layers, more efficiency, and risk. customized coverage to address emerging and challenging exposures. Proven Underwriting Expertise and Innovation Our progressive and innovative culture continues to drive us to produce market leading, forward-looking products and services tailored to protect clients as their operations change and risks evolve.

Key Sectors • Management Liability • Mergers and Acquisitions -- Directors and Officers Liability • Customer Segments -- Crime -- Multinational Organizations -- Employment Practices Liability -- Public and Private Companies -- Pension Trust Liability -- Non-Profit Entities -- Kidnap and Ransom -- Financial Institutions • Professional Indemnity -- Small business and SMEs -- Cyber Liability • All Industries -- Architects and Engineers -- Miscellaneous Professional Services

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

PRIMARY AND EXCESS CASUALTY UNDERPINNED BY EXCELLENT LOSS PREVENTION AND CLAIMS HANDLING EXPERTISE

AIG is a leading primary, excess, and cat-excess insurer. We offer a range of solutions for companies of all sizes, from mid-market to large multinationals. Innovative program structures for complex risks and bespoke, sophisticated risk solutions.

Expertise - before Expertise Construction and after a loss We have expertise in conventional and non-conventional Construction dedicated underwriters with local expertise structures; loss sensitive and guaranteed cost; multinational and authority worldwide. Seasoned claims staff with broad and midmarket segments. We have particular expertise in experience with complex and express claims as well as wrap- construction, energy, healthcare, financial institutions, food up programs and other construction-specific specialties. and beverage. Excess Casualty Loss Prevention Mitigate losses by employing AIG’s robust litigation Specialists in worker safety, patient safety in healthcare, and management infrastructure, including expert in-house staff consumer safety in products liability are available to assist you counsel, leading panel counsel, and exceptional litigation before a loss occurs. strategies (testing defense tactics, guidance on venues, mock trials, and shadow juries). Claims Network Best-in-class claims network can provide access to dedicated Specialised Niche Products account managers and complex claim specialists. Tailor-made coverage and wordings for niche segments such as OSCAR (Oil and Gas Services Contractors in the ASEAN region) and SCAR’s (Specialty Contractors and Renovators) that comply with contractual obligations.

Key Sectors • A wide and flexible industry approach where customers • Construction and Public-Private-Partnerships. demonstrate a high level of risk management. • Employee accumulation risks, offshore and aircrew. • Non-conventional placements, difficult and potentially • Manufacturers: with specific focus on chemical, mineral, catastrophic risks. metal, electronics & machinery. • Multinational risks of all shapes and sizes. • Service industries. • Excess Casualty: single territory, international and • Communication, media, technology industries. umbrella. • Food and Beverage manufacturers • Energy and utilities. • Hospitality

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

COMMERCIAL PROPERTY INSURANCE FOR A DIVERSE RANGE OF CLIENTS

With our depth of technical property underwriting expertise throughout the world, substantial domestic and international capacity, superb risk engineering capabilities and an unparalleled global network, we provide comprehensive solutions to meet the evolving needs of our clients.

Comprehensive Coverage and Product Breadth Capacity Service and Claims Commercial Property provides coverage Commercial Property can offer up to U S$1.5BN Close communication between underwriting, risk for specific market segments, from custom in per risk and significant catastrophe capacity engineering and claims teams enables clients to property products and services for small and worldwide, among the highest limits available in receive a seamless response on coverage, risk medium sized enterprises to large commercial the marketplace today. analysis and settlement decisions. Clients can capacity that responds to the needs of global count on rapid and fair claims settlement through As a longtime leader in the property insurance corporations. our global claims specialists. Multinational claims marketplace, including catastrophe property are handled by our local claims teams directly Commercial Property offers a global portfolio of protection, Commercial Property has an with our clients’ overseas entities. products and services for all types of businesses, unmatched track record protecting the physical as well as specialty coverages such as Inland assets of businesses from large multinationals to Multinational Capabilities Marine and Terrorism, Our underwriters offer single location enterprises. Our experienced Commercial Property team is deep expertise in multiple occupancies, market committed to bringing our collective, worldwide Our comprehensive coverage contemplates a segments and industries. They bring extensive knowledge to benefit each client, from distinctive full range of exposures from property damage knowledge to each risk, tailoring coverage to management services, property loss prevention to business interruption to logistics and supply meet a client’s unique needs. engineering and claims expertise, in every chain risks - globally. Programs are customized jurisdiction in which we operate. Clients can also access online learning tools and for each business. specific risk information, by trade and exposure Working together, we can help clients navigate Risk Engineering type, to stay current on the risks they face and through the complexities of multinational Our global network of loss prevention engineers how best to mitigate their exposures. programs providing proper coverage, assisting offers exceptional in-house risk engineering with regulatory compliance, and delivering capabilities and undertakes full, qualified pre- excellent service – from engineering, through quote inspections for potential clients. They are underwriting, premium flows, claims, risk and a rich source of risk management advice which captive management, and other services that they routinely share with clients and potential support their business plans and objectives on a clients on-site. global basis.

Key Sectors • Comprehensive risk management and loss prevention • Primary / Excess and Surplus Lines (United States only) engineering solutions for clients across segments and • Coverage provided across a wide range of industry sectors occupancies including: Manufacturing, Telecommunications, Public • Large Limits clients with total insurable values (TIV) over Entities, Education, Healthcare, Real Estate, Retail, and US$750M other commercial classes. • Middle Market clients with TIV of US$25 - US$750M

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

GLOBAL REACH, COMPETITIVE CAPACITY AND INDUSTRY EXPERTISE FOR ENERGY AND ENGINEERED RISKS

We are a consistent and reliable provider of stable lead capacity with engineering specialists in the field, throughout the world. We work with local, multi-country and global clients.

World class expertise Industry leading skill Claims strength worldwide - before We have one of the insurance industry’s largest and most Our claims specialists have extensive experience handling and after a loss experienced worldwide loss control teams focused on energy and energy related property claims and we ensure assessing offshore, construction, property, machinery and that losses are adjusted as quickly as possible. The process is mechanical breakdown related exposures, including risks eased for our clients every step of the way, from online claim unique to hydrocarbon processing, power generation, reporting to ongoing communications on the status of claims. chemical, pharmaceuticals and mining. Our customer service claims professionals provide 24-hour Local expertise - globally response claim acknowledgement to ensure clients’ peace Based locally around the world, our team speaks most of mind. Catastrophe response teams are deployed quickly; local languages and is well-versed in local, national and we have the ability to mobilize large numbers of claims international practices and standards. Our engineers are technicians and experts to respond to a catastrophe. specialists in disciplines such as chemical, petroleum, electrical, mechanical, civil and fire protection loss control engineering services. Loss control Our focus is to help manage risk in order to reduce or mitigate potential loss caused by fire, explosion, windstorm, flood, earthquake, collapse as well as mechanical and electrical breakdown exposures. We work with our customers, brokers and agents to provide best in class, cost effective advice to improve upon existing management programs.

Key Sectors • Oil and Petrochemicals (mid and downstream) • Power Generation and Utilities • Chemicals • Mining and Related Industries • Oil Rig (upstream exploration and production) • Construction

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

Global solutions for the construction industry

With over 50 years’ experience insuring construction projects around the globe, AIG has unrivaled expertise, coverage and capacity to support your needs.

Universal Advantages

Contractors’ All Risk / Erection All Risk Professional Indemnity Fidelity and Crime (car/ear) Capacity: $15M Capacity: $30M Capacity: $225M of Probable Maximum Loss A nnual and single project professional indemnity Coverage for acts of fraud or dishonesty by F irst party commercial property coverage that coverage for architects and engineers that can a wide range of workers on a global basis, can be tailored with other specialty coverages, include annual placements; work undertaken on including forgery, theft, computer fraud, including natural catastrophe, builder’s risk, testing a project basis; for the duration of a project and compliance breach and supplier or procurement and commissioning, and delay in start-up (DSU), a specified extended reporting period. Coverage fraud. Care, custody and control coverage and including soft costs, debt service and advance may include wrongful acts committed anywhere investigative specialist fees may also be included. loss of profits/rents.B lended construction and in the world. Kidnap and Ransom operational programs available. Environmental / Contractor’s Pollution Capacity: $50M Project Cargo Liability (Cpl) Coverage for kidnap for ransom, extortion and Capacity: $100M Capacity: $50M wrongful detention available on an annual or Coverage for loss or damage of goods in transit Coverage for third-party claims for bodily injury, project basis. Annual policies provide coverage and resulting delays in start-up. property damage or environmental damage for the insured’s traveling employees and their resulting from pollution conditions caused by families. Project policies provide coverage for all Terrorism covered operations. Discovery-triggered coverage contractors under an umbrella when there is an Capacity: $250M for emergency response costs for cleanup of insurable interest under a contract. Standalone property coverage for losses to sudden and accidental pollution conditions, as Political Risk physical assets arising from terrorist acts around well as gradual conditions resulting from covered Capacity: $120M the world. International difference in conditions operations, including completed operations. (DIC) coverage to expand local compulsory Coverage for owners and contractors tailored schemes or local elective schemes and debris Surety for losses arising from various political perils, removal included. Capacity: $150M including confiscation; expropriation and Contract bonds for bids, performance, labor nationalization; currency inconvertibility; political Primary Casualty and material payment, supply, or advancement violence, including terrorism and war; sovereign Capacity: $100M payment designed for contractor-controlled payment default and wrongful calling of on- Commercial general liability and third party liability construction projects. Commercial bonds for demand contract guarantees or bonds. coverage available in a variety of flexible program a variety of other cases, such as license and Construction Personal Accident structures for projects up to 10 years using broad permit, court and miscellaneous obligations also Coverage for accidental death, sickness, medical market or manuscript policy wordings. Coverage available. Surety bonds as an alternative to bank reimbursement and medical evacuation of available for worldwide jurisdiction, difference in guarantees or letters of credit, commonly used construction personnel whilst working abroad. conditions/difference in limits (DIC/DIL), completed outside of North America, available from locally 24-hour coverage inclusive of job incurred operations and damage to existing property. licensed carriers in international locations on an accidents. Embedded crisis management coverage of up to admitted basis. $250,000 of additional, first dollar policy limits included.

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

A LEADING GLOBAL MARINE INSURER

We have been underwriting marine risks for over 90 years. We combine our local underwriting, claims and marine loss control engineering expertise with the quality and responsiveness of our global network which spans over 90 countries, to provide flexible tailored marine solutions to our clients.

Marine Cargo Marine Claims Marine Loss Control Engineering (MLCE) Our cargo insurance programs are designed to Global Marine’s Claims network offers clients the Global Marine has experienced loss control provide comprehensive coverage for goods in best of both worlds. Our policyholders’ customers professionals spanning all time zones to help transit for manufacturers, importers and exporters, can resolve claims in their own country, language policyholders reduce trade and transportation risks commodity traders, logistics companies and and currency, while the original insured can liaise and minimize costly delays. Our comprehensive more. We can also provide numerous extensions with regional management to address concerns or loss control services are based on three core to coverage such as pure domestic transit requirements. Our claims handlers’ knowledge of principles: movements, warehouse, storage, exhibition, international marine insurance law and conventions • Proactive loss prevention – Helping clients avoid processing or consolidation risks. and local regulations enable us to resolve claims losses by analyzing potential exposures and quickly and maximize recoveries, delivering Marine Liability minimizing them tremendous benefit to our policyholders. We offer a wide range of marine liability insurance • Reactive loss control – Helping clients prevent products to meet the needs of transportation Comprehensive Recovery Support future losses by analyzing historical loss companies, stevedores, wharfingers, terminal Marine recoveries are central to our approach frequency and severity trends and acting to operators and port authorities, shipyards and ship to claims. Local and regional recovery specialists address vulnerabilities repair operations, bunkermen, vessel charterers, focus on achieving maximum recovery on every • Communication – Maintaining open pilots and marine contractors in nearly every claim. Such efforts help insureds maintain favorable communication between policyholders and loss jurisdiction around the globe. loss experience and keep premiums down. control professionals to enhance loss prevention Inland Marine efforts Our Inland Marine team provides comprehensive Policyholders can also take advantage of the protection for assets that are moveable or mobile in expertise of our independent surveyors and loss nature, in transit or in storage, where specialization control experts who specialize in infrastructure is needed or unique exposures exist. projects, cargo, towing, heavy-lift, logistics and warehousing.

Key Sectors Marine Cargo Marine Liability Inland Marine • Exporters and Importers • Stevedores • Truckers, warehousemen, and • Electronic devices, specialty • Heavy Engineering • Wharfingers warehouses equipment and miscellaneous property (Project Cargoes) • Terminal Operators • Logistics support providers, shipyards, ports and terminal • Contractors, Construction • Freight forwarders • Ship Repairers operations companies and installation • Logistics Service 3PL • Charterers • Utility, excavation, street and companies • Marine Contractors road and marine contractors

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

GLOBAL CAPACITY FROM AN AEROSPACE MARKET LEADER

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

Key Sectors • Aerospace product manufacturers, • Airports • Heliports distributors, and maintenance repair • Business Aircraft and Corporate Fleets • Modification and Repair Facilities and overhaul (MRO) operations • Charter / Commercial • Personal Pleasure Aircraft • Aerial Applications • Fixed Base Operators • Space • Airlines • Helicopters

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

SOLUTIONS FROM AN AWARD-WINNING ENVIRONMENTAL LIABILITY INSURER

Environmental liabilities present a growing risk to businesses as heightened levels of public awareness and evolving environmental regulations have made operators increasingly more responsible for environmental damage. AIG has the largest environmental underwriting team, and has been building innovative environmental insurance programs for over 30 years.

Products and Service Pollution Legal Liability Product Group; PLL Select, Contractors Operations & Professional Serves Innovation EnviroPro, PLL Commercial Addresses the needs of full service environmental firms who Offers environmental coverage to site owners or operators perform field operations as well as professional services. The that address on- and off-site clean-up costs, bodily injury COPS program combines elements of CPL and E&O under and property damage liability coverage, transportation and one form. The CPL coverage part is available on either a disposal liabilities and business interruption due to pollution claims-made or occurrence basis. conditions. Our policies offer a solution to regulatory obligations, contract requirements, lender requirements, landlord requirements, shareholders needs, and the objectives of the Board of Directors Contractors Pollution Liability Protects contractors against third-party claims for bodily injury, property damage or environmental damage resulting from pollution conditions caused by covered operations. Is available on either a claims-made or occurrence basis.

Key Sectors Our flexibility means we can accommodate most sectors worldwide, particularly:

• Manufacturing. • Healthcare. • Hospitality. • Transportation and Logistics. • Waste Management. • Real Estate. • Energy. • Mergers & Acquisitions.

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

EXCELLENCE AND INNOVATION IN TRADE CREDIT INSURANCE

We are an award-winning trade credit insurer. For over 35 years, we have been underwriting trade credit risks and helping companies increase their sales and manage their working capital. In that time, have paid US$1BN in claims. Our experienced local underwriting teams and policy servicing capabilities provides clients with flexible program structures to allow a high level of autonomy when granting credit to customers to protect them against accounts receivable losses.

Trade Credit Insurance • Top Accounts or Single Buyer Coverage Global Limits Manager Trade credit insurance provides sellers with Accounts receivable coverage for your top/ A web-based credit management tool that the accounts receivable protection needed to key customer(s) domestically or globally, sets, manages, and monitors customer credit safeguard themselves against a customer default whether for the company as a whole or for a limits and eases policy administration using due to financial or political events. Our solutions subsidiary/division, can be provided under live sales ledger data is a valuable innovation. range from policies that insure all or part of a our DECI policy form. Supplemented where necessary with status seller’s account receivables book to a host of • Bank and Financial Institutions Products agency data it gives powerful insights into a industry leading online tools that allow sellers A full menu of trade credit insurance options is policyholder’s receivables risk portfolio. to manage and set customer credit limits using available for financial institutions engaged in live sales ledger data. As our partner, sellers the non-recourse financing of domestic and/ Trade Finance have the reassurance to offer more competitive or foreign trade receivables. Trade Finance harnesses the rating strength of a terms of sale without significantly increasing their major insurer to deliver capital efficient Basel III credit risk – seeking new sales opportunities with solutions for banks, providing better access to Product Innovation confidence. finance for corporations unlocking the strength Our non-cancellable limits have enabled us to of their trade receivables. It can increase the Our products include: grow as clients have become disaffected with level of funding available to clients at potentially insurers who “cut and ran” in the recent global • Domestic and Export Credit Insurance (DECI) lower all-in funding costs. It can also be used financial crisis. Many competitors find it difficult Domestic, foreign or global accounts to help protect clients’ balance sheets against to replicate this product as they underwrite receivable protection is provided forany loss catastrophe risk as well as improve credit the end buyer rather than the client. We work arising from buyer payment default due to management and treasury functions. on the principle of partnership and our highly insolvency, protracted default or the failure of professional and experienced team, tailor the exchange authority in the buyer’s country solutions to meet the exact needs of our clients. to transfer foreign currency. • Trade Credit Multinational Programs Global accounts receivable insurance with local policy issuance for foreign subsidiaries wrapped by a Controlled Master Program (CMP) provides integrated coverage for insolvency, protracted default and currency transfer risk on your global accounts receivable asset.

Key Sectors • s Leader in their field, across multiple industries who have a professional approach to credit risk management. • Typically look at accounts with US $50M to $2BN in annual sales. • Businesses with an international footprint.

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

POLITICAL RISK INSURANCE: FLEXIBILITY, STABILITY AND EXPERIENCE ON YOUR SIDE

For over 35 years, we have been helping investors, financial institutions and corporate clients protect their overseas interests against a wide range of political perils. Whether your client’s property, income or assets are exposed to potential loss from unpredictable foreign government action, political uprising, currency inconvertibility and non- transfer, or sovereign payment default, you need a strong partner on the ground to protect them. AIG is that partner.

Flexible cover for Capital Markets & Financial Institutions assets can be damaged by political violence, or equipment may unique exposures Capital Markets Investors and Financial Institutions seeking be left behind if a contractor is forced to evacuate a country higher margins from emerging market lending face significant in turmoil. Contractors also face the risk of non-payment on levels of country risk. Although a borrower may be financially contracts with foreign counterparties and wrongful calling of sound, specific political perils may interfere with a borrower’s guarantees. AIG political risk insurance protects clients against operations causing the borrower to default on payment political perils that could adversely affect their profitability. obligations to lenders. AIG structures policies to protect Importers & Exporters lenders against payment defaults caused by political risks Doing business with customers and governments overseas such as expropriation, political violence and currency exposes a client to numerous potential risks, including the inconvertibility and non-transfer events. Where the borrower inability of the customer to convert and transfer currency in is a government entity, AIG’s policies protect the client against order to pay for good or services. The performance of private losses due to commercial as well as political risks. in-country counterparties can also be impacted by unforeseen Multinational Corporations political perils, such as confiscation, political violence or Changes in government policy or political violence can license cancellation or government counterparties may be place a company’s overseas assets at risk. If local economic unwilling or unable to honor their obligations to pay or deliver priorities shift, a company may find it difficult to repatriate pursuant to contracts with the customer. AIG political risk profits, intra-company fees or dividends, since this typically insurance protects against losses resulting from these risks. requires the approval of the local country’s central bank. Non-Payment Insurance for Project Finance Lenders With AIG’s political risk insurance, investors can realize the Project finance is a method of financing in which lenders look full potential of their foreign investments while mitigating to a project company’s cash flow as a source of repayment their exposure to these often unforeseen and potentially rather than to the project sponsor’s balance sheet. Lenders catastrophic political events. who participate in project finance lending in any sector, Projects - Multinationals for example, mining, transportation, telecommunications or Multinationals engaged in long-term projects (e.g. infrastructure, energy, are rewarded with high margins on their loans if the mining, oil and gas, telecommunications) can face a variety of project performs as anticipated and cash flows are sufficient political perils, especially when located in high-risk countries. to meet debt payment obligations. On the other hand, We have the underwriting expertise and capacity to meet when a project underperforms, cash flows may fall short the growing demand for Political Risk Insurance to protect the and lenders are at risk of loss. AIG can now offer its clients completion of large project-related transactions. comprehensive protection against default on project finance loans - whether a project company’s inability to repay debt Contractors is caused by a commercial event or a political risk event, our The specialized mobile assets and equipment required by policy will respond. contractors working on project locations overseas present exposure. Local governments may seize a contractor’s assets,

Key Sectors • Manufacturing - heavy industry, • Mining. • Defense. chemicals, food and beverage and • Oil and Gas. • Telecommunications. others. • Agricultural Production. • Wholesale/Retail. • Construction.

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

A LEADING INSURER IN INTERNATIONAL SURETY

Surety Bonds provide protection to public and private sector clients against the inability of contractors and service providers to fulfil contractual obligations, usually as the result of financial failure or technical problems. At AIG we work with those contractors and service providers to mitigate these risks and concerns and guarantee performance. Whether you are looking for a surety bond for a traditional construction project, or pursuing an alternative to a Bank Letter of Credit, AIG can customize a solution precisely for our clients. A surety leader for more than 70 years, we have the underwriting expertise, capacity, and global reach to address your most challenging surety obligations around the world.

Benefits of Surety Surety Bonds Product Offerings Surety Bonds are a viable alternative to bank bonds or letters We handle traditional and non-traditional surety with equal of credit. They improve the contractor’s liquidity by freeing up ease – and customize a wide variety of products to meet the bank lines for working capital needs and possible acquisition diverse needs of clients. Our offerings include: financing. • Contract Bonds Bid Bonds Performance/ Labor & Material New Opportunities Payment Bonds Supply Bonds Advance Payments Surety Bonds open up job tender opportunities, supporting • Alternative to Bank Performance Letter of Credit order book grants and cash-flow. The employer’s risk of a • Commercial Bonds Court/Judicial Bonds contractor’s default can be transferred to a surety. (e.g., Appeal Bonds)License & Permit Bonds Worldwide Support We provide worldwide support through the AIG global network – with Surety centers of excellence in London, New York, Toronto, São Paulo, Hong Kong, Shanghai, Sydney and Singapore.

Key Sectors • Investment grade, blue-chip companies and industry • AIG will also work with banks looking to re-allocate and leaders with a regular bonding requirement of not less share risk. than US$25M, turnover in excess of US$500M, well • Market sectors: construction, infrastructure, support capitalized balance sheets and a tangible net worth of not services, transport, telecoms and renewable energy risks. less than US$50M. • Multinational companies.

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

Outstanding protection and value for SMEs from our Package Insurance

Our package products are designed for small businesses, and provide extensive coverages and services. In addition to the various property, business interruption, and liability insurance covers expected in a traditional package policy, we also offer a broad range of complementary AIG products for industry-specific solutions.

Outstanding Preventing Loss AIG’s global strength, packaged protection SME Package has a range of products and services, not only By packaging our unparalleled breadth of product capability to protect businesses after they have had a loss, but also to into a single policy, scheme or program we can deliver help minimize the chances of having a loss in the first place. AIG’s product strength to the SME market in a convenient and speedy manner. This allows us to offer SME customers Sophistication with simplicity our renowned claims service in an affordable, fast-track and AIG believes that it is important for intermediaries and easy-to-follow process, often customized to the needs of their customers alike to have a simple, easy experience of doing particular industries and business communities. business with us. With the continuing roll-out and ongoing development of our technology capability, we can deliver a Growth powered by data and analytics faster, more convenient service. We can readily partner with We are investing in robust and powerful database analytics brokers or agents; offer white label solutions; or work through to support our growth strategy which will help us with product third parties such as a bank or industry sponsor. design and development, will help distribution partners with higher client retention rates and targeting, and will help our customers with more attractive, customized policies that better meet their needs.

Key Sectors We underwrite individual risks, portfolios and schemes for a wide range of small businesses with sales or insurable asset values of up to Euro/USD $10M. Examples of target sectors include the following:

• Shops, stores, kiosks and retail outlets • Education facilities - kindergartens, small schools, • Professional and financial offices, bureaus small tertiary institutions • Surgeries, small health centres • Contractors • Cafes, restaurants and hotels • Technology, media and entertainment • Venues, museums, galleries and places of interest • Condominiums

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

GLOBAL RISK SOLUTIONS: YOUR GLOBAL PARTNER FOR NON-TRADITIONAL SOLUTIONS TO UNIQUE RISKS

Global Risk Solutions (GRS) develops innovative, customized solutions to unique risks that are either not addressed or addressed inefficiently by traditional insurance or financial markets. We specialize in programs involving significant client retention (i.e. Global Fronting and Captive Management Services), risk transfer programs for difficult-to-address risks (i.e. Alternative Solutions), breakthrough product innovation and assumed reinsurance.

Global Fronting Programs Captive Management Services Alternative Solutions can help companies that are: Efficient utilization of capital is critical to the GRS provides captive advisory and management • Requiring evidence of insurance for strength and growth of a company. Traditional services to clients. We provide a complete range regulatory, disclosure, marketing, trading, or insurance programs may not adequately address of services regarding the feasibility, structuring, counterparty needs these exposures or be the most efficient use of formation, and management of captives with • Facing a specific problem for which there is capital. Our Global Fronting Programs may an in-depth understanding of each domicile’s no clear risk transfer solution provide a better solution by helping clients retain regulatory requirements and local business risk through a captive, rent-a-captive or other practices. Our global product portfolio ranges • Encountering a situation where current market protected cell structure, fully funded structure from single parent insurance and reinsurance conditions or shifting underwriting capacity or indemnity program. Our services include: captives, associations, risk retention and are limiting availability of risk transfer policy issuance, claims administration, claims group captives to traditional ‘rent-a-captives’, • Planning a merger, acquisition, or divestiture reporting, premium management and reporting, protected cell companies and segregated in which difficult risks are impeding the and administration of insurance premium taxes. account structures. Clients without a captive can transaction Around the globe, we deliver a coordinated experience many of its benefits with a captive • Confronting significantly increased retentions international team-based approach with arrangement through participation in AIG’s own or premiums consistently high quality service backed by our captive cell facilities in Vermont and Bermuda. • Experiencing restricted coverage due to extensive global network, in-depth experience adverse industry claim trends and our local expertise. Global Fronting may Alternative Solutions provide a better solution for companies that are: Sometimes companies face complex or • Challenged with high attachment points due unusual risks that are difficult to address in the to poor loss experience or market conditions • Seeking an insurance program that allows conventional insurance and financial markets. them to retain significant elements of risk in GRS’ Alternative Solutions are specifically Breakthrough Product Innovation order to benefit from positive loss experience designed to address these challenging risks GRS designs and launches new products and • Experiencing an above average risk profile through: services not currently available in the insurance or financial markets. that is not properly reflected in the market • Blended Structure: A single policy combines prices for traditional insurance client funding of expected losses and the Assumed Reinsurance • Pursuing more efficient access to the utilization of risk transfer above the funded AIG Re writes third party assumed treaty reinsurance markets layer. reinsurance on a worldwide basis. Its seasoned • Looking to expand the use of an existing • Customized Risk Transfer: Primary or excess team of industry professionals offers pro rata and captive, rent-a-captive, or other protected cell risk transfer insurance policies are tailored excess of loss treaty reinsurance concentrating structure to insure all or part of a risk to provide solutions for complex, unusual, or in structured (property and casualty, commercial and personal lines), specialty (agriculture, • Requiring evidence of insurance for difficult to insure risks not currently addressed marine and title), and traditional (property regulatory, disclosure, marketing, trading, or in the traditional insurance or financial catastrophe and property catastrophe retro). counterparty needs markets. • Facing a specific problem for which there is •Buyout: Customized programs are designed no clear risk transfer solution to offset liabilities resulting from traditional insurance risks or unusual exposures. • Seeking greater certainty and flexibility on coverage and premium through varying market cycles

Key Sectors • Large Commercial • Financial Institutions • Growing Middle Market • Multinational Corporations Companies

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide Asia Pacific property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK BACK | Print

Claims Services

Keeping Our Promise… Exceptional Service Whether your claim is straight- forward or complex, we provide Feature What It Means Why It Matters claim services that meet your needs Accessible claim Claim professionals are You deal with the decision maker who –whenever and wherever a loss professionals approachable, responsive and will communicate with you throughout occurs. empowered to handle your claims. the life-cycle of the claim.

Voice of AIG Customers... Knowledgeable Claims professionals are trained Experienced, long-standing claims “AIG has a good track record for claims to be technical specialists and professionals guide and support you. paying claims” professionals provide innovative solutions to your problems. “When my client made a claim, the adjuster came to the site Panel experts We have a panel of expert Expert advisers partner with our claims immediately, the request was advisers to assist when professionals to ensure an efficient and processed and the cheque was circumstances demand a higher effective working relationship. released at once” degree of specialisation.

“My clients are happy with the way Fast and efficient A “fast track” process for less You receive claim payments quickly and that AIG handles their claims” settlement complicated claims. A “proactive” without fuss – whatever the size of the “Claims service is exceptional” approach for complex claims. loss.

A worldwide 300+ claim offices worldwide. Claims professionals understand your About AIG Claims network We handle claims locally, with the market, local legislation, compliance Organisation support of a global network. and cultures. Unrivalled Capacity AIG paid over US$24 billion in Forward thinking We use our expertise to assist with Where we can, we try to identify claims in 2012 our product development. emerging trends so that you get the best coverage. Unparalleled Customer Service AIG handled approximately 4.7million claims globally in 2012 Value-add Claims Relationship Management We deliver the service that you expect – a dedicated relationship and rely upon. Experience and Expertise manager who will work to AIG has a global claims team of understand your claim needs. nearly 11,000 claims professionals Expansive Reach Feedback We commit to dealing with your We listen to you so you receive the AIG has a worldwide network of procedure enquiries promptly and we use highest standard of claims your services. over 300 claims offices feedback to improve our claims Each business day, AIG pay on services. average USD$115 million in claims. Next Steps To enjoy the benefits of this service or to find out more, contact: [email protected]

www.aig.com

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide A sia PaCIFIC property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: www.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. 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. BACK