Alternative Risk

Innovative, customised solutions to unconventional or complex risks

Alternative Solutions & Product Innovation

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.

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Global Fronting Programmes & Captive Management

We help companies address non-traditional exposures providing highly customised fronting programmes that apply insurance and capital market strategies.

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May benefit companies that are:

Requiring evidence of insurance for regulatory, disclosure, financing, marketing, trading, or counterparty needs
Facing a specific problem for which there is no clear or viable risk transfer solution
Encountering a situation where current market conditions or shifting underwriting capacity are limiting availability of risk transfer
Planning a merger, acquisition, or divestiture in which difficult risks are impeding the transaction
Confronting significantly increased retentions or premiums
Experiencing restricted coverage due to adverse industry claim trends
Challenged with high attachment points due to poor loss experience or market conditions
Exploring the possibility of retaining risk as part of a comprehensive risk management strategy
Pursuing more efficient access to the excess markets
Evaluating the closure of redundant captives in response to capital requirements under the Solvency II Directive
Seeking to offset significant retained or self-insured legacy liabilities
Managing short term volatility that could be better controlled or financed over a multi-year time horizon
Considering alternatives to protect against the accumulation of retained losses and/or to free up capital
Seeking to satisfy a primary lead layer to support an excess tower for a difficult to insure risk
Requiring broad flexibility regarding the type of exposure, class of risk, and/or contract issued
Looking to realise potential tax efficiencies
Seeking to insure risks that cannot otherwise be financed due to corporate structure (e.g., because a partnership must distribute all earnings, it cannot effectively fund for known risks)
Interested in offsetting liabilities (e.g., litigation or pollution remediation reserves)

AIG Advantages

Over 50 years of providing global fronting solutions leveraging AIG’s network of owned operations in over 90 countries, supported wherever required by local insurance partners
Over 20 years of delivering non-traditional solutions to our clients’ unique risks, using innovative structured (re)insurance solutions
A market leader providing non-traditional insurance and reinsurance solutions
Unique deal team culture bringing together underwriters, actuaries, lawyers, accountants, credit officers, claims professionals and operational specialists
Technical expertise to cover risks for which there is no conventional insurance market
Ability to analyze complex and unique risks
A history of partnering with clients to truly understand their business needs to provide innovative risk transfer and risk financing solutions
Superior servicing and claims handling, reporting, and management
In-depth knowledge and advice on programme structure, coverage, and regulations
Full access to AIG’s multinational policy issuance capabilities and expertise controlling multi-currency cash flows
Access to the resources of the AIG organisation, including significant risk-bearing and risk financing capacity
Ability to insure virtually all lines of business
Extensive product customisation ability
Broad flexibility in type of exposure, class of risk, and type of coverage (e.g., insurance, reinsurance, loans, or other financial products)
(Re)insurance to ring-fence liabilities (e.g., liability buyouts, portfolio transfers, captive redomiciliations)
Seamless policies that cover multiple risks within a single integrated programme
Regional fronting expertise and ability to meet local regulatory requirements
Full range of captive management and protected cell services.