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  • Customized coverage protection for directors and officers of public or private companies, non-profit organizations or financial institutions against risks faced in executing their management responsibilities due to increased regulatory scrutiny, public demands for individual accountability, more frequent shareholder litigation, rising defense and settlement costs, expanding bankruptcy exposure and more

  • Side-A capacity available on a primary basis or complementing AIG’s presence on primary and excess entity-based programs

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

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

Class

Focus Areas

Non-Preferred Risks

Public Companies

• <$1B in revenue: expanding excess placements at or above $20M attachment point

• >$1B in revenue: expanding excess placements at or above $25M attachment point
 

• Primary and additional excess coverage available with the proper pricing, retention and limits

• Expanding fiduciary, fidelity, cyber and kidnap and ransom lines of coverage in addition to D&O

• Initial public offerings (at current market pricing)

Private Companies

• Excess coverage or package policies with D&O, employment practices, fiduciary, fidelity and kidnap and ransom on one policy form

• Primary and additional excess coverage available with the proper pricing, retention and limits

• Privately held startup companies valued > $1B

Non-Profit Organizations

• Preference for 501(c)3 based non-profits

• Excess coverage or package policies with D&O, employment practices, fiduciary, fidelity and kidnap and ransom on one policy form


• Primary and additional excess coverage available with the proper pricing, retention and limits

 

Financial Institutions

• Preference for real estate companies; insurance companies and insurance agents; private depository institutions; asset management D&O

• Cryptocurrency

• Lending

Product Innovation

• History of customizing manuscripted policies or coverages for specific insureds

• Continuous attention is given to trends and developments to develop expanded coverages, such as: pre-claim inquiry for insured persons; optional enforcement body investigation coverage for entity when related to a securities claim; Side-A Match Endorsement (SAME)®

• Unique partnership between claims and underwriting ensures coverage is continuously updated to address today’s emerging exposures of entities and individuals

 

Multinational

 

• Committed to delivering multinational expertise, solutions and service to clients in a globally consistent and seamless fashion through one of the largest global networks in the industry, spanning 215+ countries and jurisdictions; 14,000 in force underlyer policies

 

Claims

 

• Experienced claims team comprised of 200 professionals handling over 25,000 claims annually

• Financial Lines pays over $1.5B in claims each year

• Clients have the ability to select defense counsel from an exclusive group of the nation’s premier law firms that have met extremely high standards of performance and are specialists in their field