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There are good reasons to consider PrivateEdge from AIG

Protection for Individuals and Companies

We’ve updated our Directors & Officers liability (D&O) package – PrivateEdge – in line with the changing risk environment. Our enhanced product provides extensive protection, covering a wide range of risks that individual directors and officers face in businesses of all sizes. It also protects the business itself.

Great Claims Capabilities

A D&O claim is a daunting experience and having an experienced claims team in your corner to offer guidance and reassurance is essential. AIG has one of the industry’s most experienced D&O claims teams handling thousands of D&O claims every year. 

Extras: Security Response, Pension Trustee, Crime & EPLI

New optional modules allow PrivateEdge to be tailored to the needs of individual clients. Optional modules include: Security Response, Employment Practices Liability, Pension Trustee & Employee Benefits Liability and Crime.

New Covers

Our enhanced PrivateEdge policy has significant improvements. New covers added include “Any One Claim” limits for all sections, wider protection for the company comprising of Health & Safety investigations costs, fees for intervention and company costs of defending prosecutions from a regulatory body.

Legal Help

All PrivateEdge policyholders are entitled to complimentary legal advice from 3 of the UK’s top legal firms. With a 24 telephone hotline followed by scheduled call-back with a specialist lawyer, clients have access to expert advice on any issues they feel might potentially lead to a claim under the policy.

Credit Management System

Included with PrivateEdge is a complimentary Credit Management System, AIG Trade+, to allow clients to analyse their customers’ outstanding payments, see who is performing well, where there might be danger signals, and if they wish purchase trade credit insurance for individual customers.

Who is it for?

PrivateEdge is designed for a wide market:

  • Privately Owned Companies
    All industrial sectors (from manufacturers to service companies) with turnovers up to £250m.

  • Partnerships
    All types of partnerships including Limited Liability Partnerships, Limited Partnerships and General Partnerships with turnovers up to £250m.

  • Not for Profits
    All Not-for-Profit entities including charities and associations.

What's covered?

Extensive protection for individual directors if they’re sued, investigated, threatened or prosecuted because of their management of a company.

  • Investigations and Prosecutions

Cover for costs of representing, coaching and preparing individual directors for any investigations and prosecutions by regulators or trade and professional associations.

  • Damages and Settlements

Cover for individual director’s damages and settlements – such as damages awarded against a director to creditors after insolvency or a director’s liabilities for corporate tax.

  • Disqualification and Extradition

Cover for directors’ legal and expert costs to defend themselves against any actions to disqualify them, or to extradite them. This also includes PR costs to protect the director’s reputation.

  • Confiscation and Assets

Covers costs associated with fighting any proceedings to confiscate a director’s property or to freeze their assets. Cover includes paying school fees, mortgage and utility payments for the director.

  • Retired Directors

Cover for retired directors for actual or alleged wrongful acts against them whilst acting as directors – even if their successors do not maintain D&O cover.

Protection for the company itself. Reimbursing costs for defending its directors and covering the company’s costs to defend itself.

  • Health and Safety

“End-to-End” health and safety cover for the company to fund its preparation, representation and defence at HSE prosecutions and investigations.  New PrivateEdge even covers the HSE’s “fees for intervention”.

  • Legal Actions Against the Company

Cover for the company’s expert and legal costs to defend any claim seeking fines or penalties, e.g. from regulators, as well as specific management liability claims for injury, property damage and pollution.

  • Breaches of Contract

Cover for the company’s costs of defending breaches of contract claims – written or oral such as claims from customers or suppliers.

  • Reputational Damage

Covers PR costs to minimise reputational damage to the company after any negative publicity following any claim on the policy or after a crisis event such as loss of intellectual property or conviction of a director.

  • Employment Practices Liability

Employment Practice Liability module covers damages, settlements and defence costs for a wide range of employment practice violations.  We cover claims from employees past and present, from visitors like customers or suppliers and the costs of employment investigations (like equal opportunities or racial equality).

  • Pension Trustee and Employee Benefit Plan Liability

We cover the liabilities not just for pension trustees but also of individuals administering any company employee benefit or welfare plan.  Regulators demand a rapid response and one cover highlight is the emergency defence costs so that companies and trustees can get the legal assistance to respond immediately to the regulator, even if they can’t contact us first.

  • Crime

Our optional crime module protects the client’s balance sheet from fraudulent or dishonest activities carried out by employees or outside third parties, or collusion between internal staff and external parties such as suppliers. Cover includes the costs of specialist pre-investigative services to help clients establish and quantify their loss. 

  • Security Response

The new Security Response service from PrivateEdge should become an integral part of client strategies to protect their people, property, brand and reputation. The service provides 24/7 access to expert security consultants who will provide advice prior to, or respond immediately in the event of any threat or crisis.

  • Complimentary Legal Advice

All PrivateEdge policyholders are entitled to free telephone legal advice from a top UK law firm on any issue that they feel might potentially lead to a claim under their PrivateEdge policy.   

  • HR Library

The legal helpline is backed up by a comprehensive library on the new PrivateEdge website of guides and templates on a wealth of HR and Health and Safety issues identified as being most valuable to businesses and regular bulletins on topical and emerging issues.  

  • Credit Management Tool – AIG Trade+

New PrivateEdge policyholders are entitled to a free credit management system to give them greater visibility of their receivables portfolio and their individual customer’s credit risk.  The system is fed by a regular weekly upload of the clients invoice data and its intuitive dashboards display the amounts and the age of debt, so clients can see historical trends, receive auto alerts for payments “past due date” see where they are “over trading” and also where there is headroom to trade more.

PrivateEdge Brochure


What's Inside PrivateEdge

What's inside will help you understand the cover and services included in a PrivateEdge policy.

View the brochure

View the Product Profile


Claims Insights

As a world leading D&O insurer we handle thousands of claims each year and have one of the industry’s most experienced claims teams.  

A D&O claim can be an extremely difficult experience for clients, but with AIG no matter what kind of D&O claim you face we’ve seen something like it before. We’ve included a few of our claims insights here.

Medical manufacturing

TYPE OF CLAIM: Employment Practice Liability
AMOUNT PAID: Over £350,000 including defense costs

Our insured dismissed an employee following a disciplinary process. The employee challenged the dismissal and brought a claim for unfair dismissal in the Employment Tribunal. It is alleged that he was subjected to workplace bullying following protected disclosures that he made regarding the directors.

View more adapted scenarios based on actual PrivateEdge claims.


PrivateEdge: D&O Claims Trends and Undercurrents in the UK SME Market

Few people have a clearer perspective on the emergence and development of D&O claims than those who actually handle them. This insight is drawn from the experiences of our D&O claims adjusters.

It’s not just directors that get drawn into D&O actions, claims can include others such as “de facto” directors, managers and supervisors. To be safe we cover all kinds of directors and all company employees in PrivateEdge as well as spouses, partners and heirs.

Claimants can take a “scattergun approach” claiming huge initial sums (e.g. six or seven figures) from an array of individuals. This can be a shock to the managers and supervisors involved. We’re used to these tactics and fund an expert defence for clients that otherwise may not have been affordable.

The first time in a courtroom and hearing one’s rights read can be a very intimidating experience. This is why we make sure that clients are thoroughly prepared, e.g. mock interviews to help directors rehearse the most important points in their defence and prepare them for tough questioning.

False and even malicious accusations against our clients have to be vigorously defended and they can be intensely stressful and time consuming for the individuals involved. We know many find it to be a great reassurance knowing they have the biggest and the best in their corner fighting for them.

Being a great director isn’t the same as being a good defendant. Many are strong-willed individuals who want to proactively lead situations, but in an “inquisitorial” environment they must tread carefully with expert guidance, particularly when facing difficult allegations by skilled investigators or prosecutors - which is funded by new PrivateEdge.


For Brokers

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