Alternative Solutions & Product Innovation

Alternative risk programmes from AIG can utilise the full range of our global capabilities.  

There may be times when a company needs to mitigate a substantial risk that is not addressed effectively in the traditional insurance or financial markets. The risk may be too complex or multi-faceted or just very unusual. It may be new to the market and/or have no available loss data associated with it.

AIG helps clients address these challenging exposures by providing highly customised, innovative programmes that apply insurance and/or capital market strategies. No matter how complex or material the risk, our flexibility, capacity and expertise make us the provider of choice. Our programmes can be designed for almost any exposure and are not limited to any particular class of risks.

We partner with each client to understand its objectives, identify and analyze its risks and custom-design a programme to support its business strategy. Our team has the skills and resources to guide clients through all phases of the programme—from analysis to concept development to implementation and ongoing administration. We are a market leader with the flexibility and vision to design innovative solutions and the expertise, resources and financial strength to implement them.

Alternative Solutions

Programme Structures

Blended Structures

A single policy combines client funding of expected losses and the utilisation of risk transfer above the funded layer.

Customised Risk Transfer

Primary or excess risk transfer insurance policies are tailored to provide solutions for complex, unusual, or difficult to insure risks not currently addressed in the traditional insurance or financial markets.


Customised programmes are designed to offset liabilities resulting from traditional insurance risks or unusual exposures.

Target Market

  • Large commercial
  • Financial Institutions
  • Growing middle market companies
  • Multinational corporations

Benefits of Alternative Solutions from AIG

AIG's global network, working for you

Alternative risk programmes from AIG often utilise the full range of our global capabilities. With one of the industry’s most extensive ranges of products and services, deep claims expertise, and excellent financial strength, we enable our clients to manage virtually any risk with confidence.


Experience and expertise

We have the flexibility to insure virtually all lines of business, and the technical expertise to cover risks for which there is no conventional insurance market.