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PrivateEdge is AIG’s flagship D&O product for private companies, partnerships and not-for-profit organisations with enhanced protections for individuals and companies.

Why Choose AIG PrivateEdge?

A D&O claim can be a daunting experience, but with AIG cover, clients gain access to an experienced team that has seen just about every scenario. Our global expertise and longevity in the D&O field ensures we can guide our clients through their complex legal environments and often unpredictable international exposures.

We work with privately owned companies in all sectors with turnovers up to £250m, protecting against a wide range of risks that individual directors and officers face in businesses of all sizes. PrivateEdge also protects the business itself with optional covers for Employment Practices Liability, Crime and Pension Trustee and Employee Benefits Liability. 


Trade on AIG eXtra & Acturis

For SME clients, brokers can also quote and bind PrivateEdge online via our award-winning AIG eXtra platform and Acturis. 

The AIG Advantage

AIG PrivateEdge Solutions

AIG covers all kinds of directors and all company employees in PrivateEdge, as well as spouses, partners and heirs with extensive D&O protections. New optional modules allow PrivateEdge to be tailored to the needs of each client.

What’s inside PrivateEdge [PDF] 

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PrivateEdge gives extensive protection to individual directors, if they’re sued, investigated, threatened or prosecuted because of their management of the company.

A few of the practical ways that PrivateEdge helps individuals:

  • 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, like damages awarded against a director to creditors after a business 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 (also includes PR costs to protect the director’s reputation).
  • Confiscation and assets – cover for the costs of fighting any proceedings to confiscate their property or to freeze their assets (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.

In addition to protecting individuals, PrivateEdge also protects the company itself, reimbursing it for its costs of defending its directors and covering the company’s costs to defend itself.

Some of the practical ways that PrivateEdge helps a company:

  • 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, including HSE’s “fees for intervention”.
  • Legal actions against the company – cover for legal and experts’ 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 costs of defending breaches of contract claims (written or oral), like claims from customers or suppliers.
  • Reputational damage – cover for PR costs to minimise reputational damage to a 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.

PrivateEdge is a “modular” product. It can be customised for clients with the following options:

  • Employment Practices Liability – cover for damages, settlements and defence costs for a wide range of employment practice violations. (eg claims from employees past and present, visitors like customers or suppliers and the costs of employment investigations like equal opportunities or racial equality).
  • Pension Trustee and Employment Benefit Plan Liability – cover for the liabilities for pension trustees and individuals administering any company employee benefit or welfare plan. When regulators demand a rapid response, we cover emergency defence costs where companies and trustees can get legal assistance to respond immediately to the regulator, even if they can’t contact us first.
  • Crime – protection for 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. Coverage includes the costs of specialist pre-investigative services to help clients establish and quantify their loss.
  • Security Response – 24/7 access to expert security consultants who respond immediately to any threat or concern. Clients can utilise this add-on as their own virtual security department. It is designed with small and medium businesses in mind and provides access to security professionals with broad expertise to advise on a wide range of crises.

Our Management Liability Leadership Team

View contact information for AIG UK’s Management Liability leaders.