Welcome to AIG · brochure. The rhythm of life and business processes are becoming more complex and...

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Welcome to AIG

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AIG is the world’s largest insurance company with more than 63,000 employees and 88 million clients. this brochure provides information about our company and our capabilities

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table of contents

1. Greetings of the President of AIG cJSc 42. client relationship management 63. Ahead of the curve / our flagship products 84. major business lines 9

4.1. Commercial property insurance 94.2. Construction and erection risks insurance 104.3. Cargo insurance 104.4. Liability insurance 11

4.4.1. General liability insurance 124.4.2. Compulsory insurance of hazardous production facilities 124.4.3. Products and services liability insurance 134.4.4. Product damage and recall insurance 134.4.5. Comprehensive environmental risk insurance 144.4.6. Employer’s liability insurance 15

4.5. Directors and officers liability insurance 164.6. Professional liability insurance 164.7. CyberEdge® cyber risks insurance 174.8. Employee fidelity insurance 184.9. Insurance for banking institutions 19

4.9.1. Banker’s Blanket Bond (BBB) 194.9.2. Financial institutions liability insurance 19

5. Risk management 206. Insurance claims settlement 227. Advantages of a global network 248. expanding world presence 26

client relationship management

our flagship products

major business lines

Risk management

Insurance claims settlement

expanding world presence

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Dear clients and partners, I am pleased to welcome you to the pages of our brochure.The rhythm of life and business processes are becoming more complex and dynamic, and sometimes unpredictable. The reverse side of the changing reality for business is uncertainty; clients need guarantees, confidence and stability in the business processes against the exposures of risk.We at AIG are aware that the risks and threats facing our clients are continuously changing. That is why we consistently improve our products and quality of service. We create solutions for both today and tomorrow so that you can look into the future with confidence. Every product sold by us is based on the profound experience of preventing damage and the expertise of our insurance claims settlement team. Our successful insurance claims settlement has been confirmed by official awards in Russia and around the world.Our clients have entrusted us with their risks and we recognize our great responsibility to provide support before and after the insured event, regardless of its extent.

First of all, we believe that with the correct values, vision, strategy and hard work, anything is possible. We have been working for 95 years globally and 20 years in Russia, providing services to business entities.Our work starts long before the insured event. We offer our clients, not just insurance programs, but a wide range of innovative insurance solutions. The efforts of our employees are aimed at minimizing the risks of the client, reducing the financial burden, and providing advance and maximum protection. We are ready to solve the most challenging tasks. In this way we are laying a solid foundation for our long-term partnership with clients. Thank you for your cooperation. I trust we will have an efficient and reliable partnership.

Kind regards, Roman Tikhonenko President, AIG CJSC

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We have accumulated extensive experience in servicing large clients, which includes a dedicated manager responsible for interaction with the company, a flexible structure of transactions, innovative products and excellent quality of service

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client relationship management

many companies are looking for non-standard, cost-effective ways to manage risks. We constantly use innovative approaches to develop insurance rules, methods of insurance claims settlement, as well as insurance programs options. our experience gives us a deeper understanding of the causes of damage and how to prevent it.

Carrying out activities around the world, and offering programs with a wide range of risks, we use the collective experience and knowledge of more than 400 risks consultants to assess the potential damage to the client’s business. We give recommendations to reduce the risks by providing measurable parameters which clients can see reflected in terms of their business profits.

All our solutions are developed individually for specific client requirements to balance the transfer and retention of risks. We provide clients with a dedicated manager to coordinate the interaction which provides a reliable and consistent approach.

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We have been helping people protect and preserve their future for over 95 years

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So what will tomorrow bring?We are known for a wide range of products and insurance solutions. The advanced program of directors and officers liability insurance protects the senior management from emerging threats. AIG was involved in the emergence of the Russian D&O market. We also have insurance programs in our arsenal to protect the growing number of companies entering foreign markets, as well as innovative

insurance programs against cyber and environmental risks. When insuring corporate property, we can offer a revolutionary coverage limit of USD 1.5 billion.AIG insurance programs offer protection for our client’s business processes so they can confidently focus on the further development of their business.

looking ahead, what else do we see?

Integrated development of real estateAdvanced technologies are developing around the world. AIG is the only insurance company in the world which has presented an insurance capacity of up to USD 1.5 billion for the real estate insurance market. This allows us to increase the market share and control the insured object.

Supporting the continuity of the production cycleA single case of a product recall could cost the company its profits, and potentially lead to the cessation of all activities. AIG covers the significant costs to the manufacturer related to both the recall, and replacement of the product, and to the restoration of the consumer’s confidence in the product and brand.

Dependence on timely cargo deliveryThe reality of cargo transportation is growing as companies are expanding their business worldwide. AIG has a dedicated cargo insurance team to serve the growing demand, as well as a team of risk engineers to manage potential risks.

Reputational risksThe reputation of company is increasingly exposed to the impact of environmental risks. Harm that a company can cause to the environment entails substantial losses for the company’s business and reputation risks. AIG provides access to professional PR- specialists to protect the reputation of your brand before, during, and after any damage has occurred.

Shareholder activismGrowing shareholder activism means an increase in the number of investigations against directors. We continue to strengthen the coverage of our flagship product – directors and officers liability insurance – to ensure the best protection for your Board of Directors.

the increase in cases of data lossToday there is more tension around the issue of confidential information and personal data protection than ever. Cases of data loss, data leaks and cyber-attacks are increasing. CyberEdge® cyber risks insurance provides protection of information against attacks, viruses and loss of client data. By combining our experience with yours we provide greater protection for your data.

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major business lines

Property damageCoverage is available in the following options with the possibility of extension, depending on the client’s requirements:

Fire and named perils All risks

equipment breakdownCoverage includes any internal damage of production or electronic equipment. The coverage includes risks such as short circuits, power surges, staff negligence, explosions of steam boilers, etc. Business interruptionThe coverage includes:

Compensation for financial losses incurred as a result of the events covered by the property insurance policy

Individual approach depending on the type of client’s business

Compensation of losses from business interruption, until full recovery of the property, and recovery of normal operations

terrorism Property damage and business interruption as a result of terrorist acts.

AIG team has decades of experience in providing insurance protection for the property of large industrial enterprises, including enterprises of the energy sector, refineries, steel and machine-building plants, cement plants, steel mills, etc.In addition, the Company has accumulated considerable knowledge in the field of real estate insurance: business centres, shopping malls, offices and hotels. For such objects the Company has developed unique insurance programs and claims settlement procedures.

examples of insurance cases, demonstrating the need for insurance:

1. The ceiling of an area over 250 sq. m. collapsed in a large shopping centre during the installation of a fire alarm system. This incident resulted in significant damage to the store’s interior design and shop equipment. Before the full clarification of all the circumstances of the incident, and the removal of debris, the shopping centre was closed, resulting in a significant loss of income from the commercial space not being used.

2. An accident within a citywide water system, located in close proximity to a shopping mall, resulted in flooding and the subsidence of the asphalt pavement of the shopping centre parking and buildings. Because of earth slippage and rubble in the sewage drainage system of the shopping centre, pumping stations were jammed and the entire water system failed. The property of the shopping centre suffered significant damage.

1. commercial property insuranceWith the world’s largest insurance capacities, and reliable system of reinsurance, AIG CJSC is actively involved in insurance of large industrial and commercial risks. Property insurance against fire, and other possible perils, allows us to indemnify the client’s losses incurred in connection with damage or loss of property. Additionally, the client can obtain insurance coverage for losses caused by forced business interruption; additional costs incurred in connection with the need to rent a new office and moving.

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2. construction and erection risks insuranceInsurance of construction and erection works is one of the most important tools for risk control of all project participants, including the client, general contractor and subcontractors, investors, etc. As a rule, such insurance is available as «all risks», which means insurance protection against all unexpected events that are not directly excluded by the insurance contract.

Insurance of construction and erection works may include the following sections:

Insurance of the construction object and means of work against the events of unforeseen property damage or loss

Third party liability insurance during construction activities Financial loss insurance in the amount of lost profits of the client due to delayed commissioning as a result of unforeseen property damage or loss

Insurance for the period of post-warrantyAdditionally, it is possible to insure construction machinery and equipment, carriage by inland transport, off-site storage, etc. AIG has accumulated vast experience in construction and erection risks insurance around the world. We offer our clients the best world expertise, genuine high-quality claims handling, and professional risk-engineers.


During the construction of a large cement factory, there was a serious key equipment failure at the stage of warranty testing involving the clinker grinding ball mill. This not only led to the need for costly repairs in replacement of the reducer mill parts, but also to a significant delay in the plant being commissioned, causing a loss of client’s profits.

3. cargo insurance The growth of international trade, coupled with an increasing number of companies going to foreign markets, requires the cargo owner’s careful attention, not only to the scope of coverage, but also to the quality of services provided by the insurance company. After all, the quality of cargo insurance claims settlement is the main indicator of the insurer’s work.In addition to quality and reliable coverage on competitive terms, AIG clients have access to an extensive network of offices and branches around the world. These provide a unique opportunity for international cargo insurance and

qualified claims settlement by the staff of AIG in the office nearest to the scene of event.

Insurance objects:Any cargo (finished products, equipment, semi-finished products, raw materials), including coverage of cargo transportation within construction projects or modernization with coverage of lost profits as a result of delays in commissioning.

Benefits of cargo insurance with AIG Cargo insurance terms on the basis of the Institute of London Underwriters clauses, with additional clauses

Large insurance capacity for each transportation An extensive network of branches and representative offices around the world, allowing, not only to serve the interests of clients abroad, but also providing the possibility of claims notification by the insured’s contractors to an AIG branch in their native language within their own country.


1. As a result of faulty truck ignition wiring, a fire occurred which spread to the trailer’s cargo. The cargo – plastic for the food industry - was completely destroyed.

2. As a result of a severe storm, several containers with cargo were washed overboard from the deck of a container ship.

3. After arriving at the customs office to enter into the territory and completing customs procedures, a truck loaded with household appliances did not arrive at its destination. Communication with the driver was lost and the consequent search achieved no results.

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4. liability insuranceIn the course of its operations the company bears civil liability for property damage, harm to life and the health of third parties, according to the law.Liability insurance helps to protect the property interests of the company in the event of losses and expenses associated with the need to compensate for harm to life, health and property of a third party.

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AIG cJSc offers several types of liability insurance:

4.1. General liability insuranceThis policy protects the property interests of the client associated with the obligations that arise as a result of harm to life and health, as well as the property of a third party directly during the implementation of the insured activity.


1. As a result of a wiring defect, an extensive fire occurred on the territory of the insured which led to damage of the adjacent buildings belonging to a third party.

2. A pipeline rupture occurred at a refinery, resulting in contaminated land and the property of a third party.

4.2. compulsory civil liability insurance of hazardous facility owners, for harm caused from the result of an accident at the facility

AIG CJSC is an active member of the National Union of Liability Insurers (NULI).

AIG CJSC provides insurance for hazardous production facilities in accordance with Federal Law dated 27.07.2010 No. 225-FZ «On compulsory civil liability insurance of hazardous facility owners for harm as a result of an accident at the hazardous facility.»

The law regulates the relations connected with the compulsory insurance of liability of owners of hazardous industrial objects (business entity or individual entrepreneur, owning a hazardous object under the right of ownership or under other legal grounds and carrying out the exploitation of a hazardous object) for causing harm and the protection of victims (third party, as well as employees of the insured) as a result of an accident at the hazardous facility in the Russian Federation.

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4.3 Products and services liability insurance

This policy protects the property interests of the client, related to its obligation under civil law, to indemnify the damage caused to a third party resulting from defects of manufactured and sold products, works or services provided.


A company produces metal pipes which have a wide range of commercial and industrial purposes. Metal pipes, supplied to one of its clients, were used in a residential area. Defects in the metal caused the pipes to break under pressure resulting in significant water damage.

This type of insurance protects property interests associated with losses (costs, expenses) caused by the recall of the insured product that has been manufactured and sold by the client, and other additional costs associated with the recall. The basis for the decision to recall the product from the market may be accidental and malicious damage by a third party, as well as by the employees of the insured, or a threat of malicious damage. These expenses may include:1) The cost of advisers and consultants fees in the field

of crisis management2) Payment of the cost of product recall carried out

under forced or voluntarily procedure, for example, storage, disposal, transportation of products recalled from the market

3) Loss of profit4) Costs of product replacement5) Other expenses


The insured discovered that dangerous bacteria had been found in its cheese products. A notification was sent to the sanitary-epidemiological institution. The product was recalled from the market. Laboratory studies confirmed the presence of Listeria, Salmonella and Escherichia coli bacteria. The causes of product damage were voids in the storage seals of cheese milk. The insured filed a claim for over USD 1,500,000.

4.4. Product damage and recall insurance

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4.5 comprehensive environmental risks insurance This type of insurance is a comprehensive insurance product that provides protection of the property interests of the client associated with causing harm to the environment, and losses as a result of contamination. The basis for imposing liability on the subject can be contamination that previously existed at the site, (prior contamination) or environmental pollution during production activities. General liability insurance contracts cover only the risks of sudden and accidental pollution (for example, as a result of an explosion at the plant), excluding losses as a result of gradual pollution (e.g. fuel leaks at oil depots and gas stations during a long period of time). The insurance product of AIG in Russia covers, not only risks of sudden and unexpected pollution, but gradual pollution as well. An additional advantage is cover for the cost of clean-up of the insured’s territory, and the cost of cleaning the territory of any third party affected by the pollution at the premises of the insured. It is possible to cover the risks of previous pollution (the requirement to insure such risks may be provided by the contract for the purchase of a business or land), and contamination during production activities. It is important to understand that Federal Law No. 225 «On compulsory civil liability insurance of hazardous facility owners for harm as a result of an accident at the hazardous facility» expressly excludes liability for environmental damage.

Insurance coverage:Insurance coverage includes:

The cost of cleaning-up the production area of the insured, and territories outside of the property of the insured

Harm to life, health and property of a third party, and outside the production area due to the emission of pollutants

Damage caused by gradual, and sudden, accidental pollution

The costs of legal defence and examination of insured events related to environmental pollution

Damage caused by occurring contamination Access to PIER Europe international response service, working 24/7 in more than 40 languages is provided. In the event of an accident the PIER Europe response service operators provide the client of AIG with access to highly qualified consultants and experts to provide direct and efficient interaction regarding the incident, in order to address the specific needs of the company. Specialist services include the elimination of environmental pollution, clean-up, disaster recovery, restoration, management and disposal of wastes, accident investigation and consulting on environmental risks.

Possible additional insurance coverage applies to: Unknown cases of pollution that previously existed at the site Business interruption of the insured Liability for environmental pollution during transportation Areas of the insured, not in its possession


The production company is selling specific objects. One of the conditions of sale was an obligation to compensate for damage to the environment occurred before the date of signing the appropriate contract. The seller’s decision was to buy an environmental liability insurance policy, which applies to cases of unknown contamination occurred at the object previously. The buyer and the seller have been included in the insurance contract as the insured persons (co-insured). Coverage includes: a) the cost of cleaning the production area and beyond due to pre-existing pollution; b) the costs of legal defence; c) other expenses.

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4.6. employer’s liability insuranceThis policy protects the property interests of the client, liable for harm caused to employees during the performance of their work duties.

examples of insurance cases, demonstrating the need for insurance: An employee, who is on probation, seriously injured his back due to lifting excess weight because the employer did not organize the appropriate training. As a result of the injury, the employee

became incapacitated for several months.

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5. Directors and officers liability insurance (D&o)AIG has many years of experience in directors and officers liability insurance, and our clients are the largest Russian and foreign companies. Insurance of directors and officers liability, and the company as a whole, helps to protect the organization and its subsidiaries from legally justified claims against directors and officers of the company, as well as against the company from shareholders, employees and other third parties.

claims can be related to: any breach of management duties, negligence, omission, error, misleading or erroneous public statements by the director or officer

any actions taken by the director during the performance of his/her duties

performance of the director or officer regarding duties in a separate company

violations against employeesClaims may be presented in the form of a written demand for monetary and non-monetary compensation, tort, criminal or administrative proceedings.


1. At the request of a minority shareholder, the General Manager was prosecuted under Article 201 of the Criminal Code (abuse of power). The General Manager denied his guilt and was arrested. Subsequently the dispute was settled and the criminal case was dismissed. The policy covered the costs of the General Manager’s legal defence.

2. Following the acquisition of a company, the buyer sued the former Managing Director, accusing him of providing false information, expressed in an inflated value of the acquired company’s assets.

6. Professional liability insuranceProfessional liability insurance is protection for the insured, against claims by a third party, arising from the insured’s errors and omissions during the provision of professional services.Currently, a growing interest in professional liability insurance is seen from lawyers, accountants, real estate agents, as well as companies providing services in the field of information technology, and also in the media sector.

Insurance objects:Insurance covers the property interests of the insured person consistent with the legislation of the Russian Federation and associated with the risk of liability under the obligations arising from damage to property, life or health of third party (clients) during the implementation of the insured person’s professional activities.

Risks: Errors and omissions Defence costs, charges and expenses

Additionally, a professional liability insurance policy can provide the following coverage:

Restoration of computer data and documents Compensation for participation in proceedings Intellectual property rights Employee dishonesty

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7. cyberedge® cyber risks insuranceCyber risks are one of the most significant groups of risks for businesses today, and in our digital age, this trend has only intensified.The alarming statistics regarding cyber-risks are well documented.*Consider the following examples (not an exhaustive list):

According to the 2013 NORTON REPORT, the global cybercrime market is USD 113 billion.

In Russia and CIS, Russian-speaking hackers earned more than USD 2.5 billion Damage caused by fraud in online banking in Russia and CIS exceeded USD 289 million

Damage caused by DDoS-attacks amounted to USD 113 million New and sophisticated techniques of attacks are constantly being developed; experts identify the main methods of theft on the Internet, including organized criminal groups, independent hackers, employees of companies, hackers with an active social position (hacktivists), targeted attacks, attacks on ATMs, POS-terminals, and mobile Trojans

The average number of thefts, by one criminal group using mobile Trojans, is equal to 5 per day

According to the research of mobile botnets, 40% of mobile users have a bank account linked to an infected mobile phone

The presence of a botnet in 100,000 mobile devices allows a hacker to steal USD 16 million in a short time

*Data from GROUP-IB report Trends of high-tech crime in 2014

Insurance covers the following expenses:

Direct expenses PR-consultants and lawyer’s fees The cost of notifying users or clients Credit monitoring and identity monitoring Consultant’s fees

costs in the medium term Company business interruption The costs of legal defence (legal fees, fines) The cost of data recovery Third party liability

costs in the long term Loss of market share Reputational damage Loss of client confidence


Criminals stole a client’s personal data. As a result, the company spent heavily on software and technical expertise to determine what and whose data was stolen, notification of individuals whose data was stolen, monitoring of victims in order to avoid losses caused by theft, legal advice for the preparation of an investigation, and anti-crisis PR. The company damage was close to USD 1 million.

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8. employees and third party fidelity insuranceThe following losses of a company-commercial organization is indemnified:– caused by employees, as well as losses for which the company

is liable under the law,– caused by a third party as a result of theft, robbery or other criminal

appropriation of property.

1. Damage caused by employeesLosses shall be indemnified to the insured if causedby fraudulent actions of an employee:(a) committed with an intent to cause loss to the

insured and to gain illegal income for personal interests or for the interests of other persons in collusion with the employee

(b) committed within the territory of insurance and during the insurance period

(c) detected by the insured during the insurance period or period of detection.

2. Damage caused by a third party The criminal seizure of property within the premises The criminal seizure of property outside the premises Counterfeit money orders and counterfeit banknotes Fraudulent use of computers and payments transfer systems.

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10. Insurance for banking institutions

10.1. comprehensive bank insurance Banker’s Blanket Bond (BBB)

BBB insurance contract covers the property interests associated with the loss of income (additional costs) of the bank, not contradicting the legislation of the Russian Federation which may occur as a result of banking activities, as well as the risk of loss or damage of the bank’s property

Policy may cover the following risks and expenses:

damage caused by intentional acts committed by any employee of the bank, either alone or in collusion with others, in order to damage the bank or gain illegal financial profit

damage due to loss of valuable property, belonging to a third party, from the bank’s premises

damage due to loss of valuable assets during transit losses from forgery or fraudulent payment orders damage suffered by the bank as a result of transactions with securities

fraud with the use of computers and systems of payments

10.2. Financial institutions liability insurance

Professional liability insurance for financial institutions provides insurance protection against losses incurred by clients of financial institutions as a result of unintentional errors, inactions, or negligence of employees. This policy is designed to protect the professional activities of a financial institution which are related to banking, trading, settlement and other financial transactions. Insurance covers the property interests of a financial institution which are not contrary to legislation associated with professional activities, and an obligation to compensate for damages caused.


1. A bank employee colluded with a criminal gang with the intention of robbing a bank. Together they organized an armed robbery, during which more than USD 1 million was stolen from the bank safe.

2. The bank manager and several employees were keeping large cash deposits, details of which were deliberately not recorded in the banking system. The bank lost more than USD 1 million as a result of fraudulent money transactions.

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Risk management and engineering support

AIG attaches great importance to risk management, which is becoming an essential element of business management. We are always ready to provide our clients with advice on minimizing potential losses.Combining the expertise and vast information resources at the disposal of the company, we aim to explore our client’s companies and determine the risks to which they are exposed.

There are many risks that are usually difficult to predict, but possible to counter: fires, natural disasters, theft, and more. The occurrence of any of these events which will lead to damage can seriously affect the financial condition of the company.

Our engineers carry out pre insurance and insurance inspections of objects, revealing their most exposed sides and advising clients how to reduce possible damage.

At the request of many of our clients, such inspections are carried out periodically, allowing the tracking of the changing dynamics of risks, and the planning of expenses on fire safety, security service and the renewal of equipment.

Engineer’s reports enable our clients to look at their own company from a security professional’s point of view.

Although working in different countries, our over 300 AIG engineers are one team. Based on international experience and common sense, and using the most advanced approaches, they perform complex risk assessment and recommend the best solutions to clients in order to reduce the negative effects of, and to minimize possible losses.

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Understanding the risks, and protecting our clients prior to damage occuring, is the cornerstone of AIG’s success.

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claims: the moment of truth

The claims department was established to provide unsurpassed quality services to our clients. Our staff’s years of experience and knowledge are available to our insureds. The better informed the client is on how an insurance contract operates, the more confident he feels.

Before the insured eventWe understand our clients. We work with the client before and after the conclusion of the insurance contract for a deeper understanding of the features and intricacies of the client’s business. We are in contact with the insureds and brokers, not only after the occurrence, but also prior to it. Each of our clients and their broker has direct access to the person responsible for the claim settlement. We are always ready to explain how claims handling and settlement is conducted.We continue to invest in insurance claims settlement procedures to ensure our clients receive the best possible service. Five years ago the centre of excellence was opened in Russia for handling complex insurance claims. This means that clients receive the best possible operational expertise in insurance claims. We are constantly expanding our insurance claims settlement centres. We also increase the number of our insurance claims settlement experts to build strong partnerships for settlement of large and complex insurance cases, and provide prompt service and simplified settlement of smaller insurance claims.In the settlement of insurance claims, we use state of the art technologies for servicing and informing our clients. These are just a small number of the innovations implemented by us.You can always count on our support when you need it the most.

After the insured eventWe are professionals in claim settlement. In the case of either a small or catastrophic loss, we provide our clients with expert support. We also carry out the settlement process thoroughly, with strict fulfilment of the obligations undertaken under the contract, with full disclosure to the client, maintaining a constant dialogue with them. Our settlement procedures are completely transparent and focused on the prompt fulfilment of obligations, regardless of the amount of damage. We strive, not only to restore the insured’s material well-being and reduce the risks, but also to strengthen their reputation.

FeedbackThe Company uses a systematic approach to assess the quality of service during claims settlement. After payment of insurance compensation, each client who specified his email address in the application receives an invitation to visit a specially designed website and leave feedback on the work of the claims settlement department, and offer recommendations for its improvement.

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our company has over 13,000 insurance claims settlement experts in over 300 offices worldwide. In 2014, insurance claims paid to our clients amounted to more than USD 20 billion or USD 100 million per working day worldwide.

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A unique advantage of the Company is the combination of a thorough knowledge of the Russian market with international practices and standards of service, allowing us to identify emerging risks and trends of various types of insurance claims affecting the client’s business. We are continually developing new risk management solutions to solve the problems of our clients.

Global benefits of working with AIG

Key facts and figures

A wide range of insurance services in personal and property insurance for individuals and business entities

Present in over a 100 countries providing a global distribution network

Over 95 years of operation worldwide, more than 20 years in Russia

Over 90 million clients worldwide

In 2014, insurance claims paid to our clients amounted to more than USD 20 billion or USD 100 million per working day worldwide.

International quality standards of service

87% of clients renew their insurance contracts in Russia

A+ financial strength rating from agencies S&P and Expert RA A+

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Awards and achievements of AIG in the world:Best International Insurance Company, Business Insurance 2013, Global Finance 2013Best international company for corporate property insurance, directors and officers liability insurance, employer’s liability insurance, environmental and cyber risks insurance, Global Finance, 2013Best company in insurance claims settlement, Insurance Times, 2014The best company to introduce new approaches in insurance claims settlement, The Claims Awards, 2013Best company for risk assessment and analysis, Business Insurance, 2013CyberEdge is the best innovative product, Mena Insurance Review Award, 2013,Celent Research and Consulting Firm, 2012Award in the field of innovative solutions, Business Insurance, 2015

Awards and achievements of AIG in Russia:A+ financial strength rating from Expert RA rating agency One of the leaders in insurance claims settlement with the minimum percentage of claims refusals per year, the Bank of Russia, 2013The winner of the national program The best social projects of Russia 2012, supported by the Government of the Russian FederationNumber 1 insurance company according to the results of an annual international award, Records of the real estate market, 2011, Moscow Business Club Best Insurance Company in client’s claims settlement, Euromoney, 2009 The management of the Company is among the top twenty best insurance experts in the Russian market, the top 50 of insurance managers, the Company magazine, 2011-2012

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expanding world presence

Bringing business to an international level is a serious task. In terms of insurance, this means ensuring compliance of business processes and procedures at the local level, and the search for effective ways to manage insurance claims. If you are expanding your business geographically, AIG is the most favourable choice with the largest global network in the insurance market.

Our strategy is to expand our presence into territories that our clients are considering strategically important for business. We are ready to follow you in any direction.

In all countries throughout the world, AIG support you both before and after any occurrence of loss. Our experts provide compliance of insurance policies to local laws, business practices and culture. They also enter into long-term contracts with adjusters, independent experts, law firms, engineers, insurance agents and regulators around the world to meet the needs of clients in the event of an insurance claim.

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No matter where in the world you operate, you are under our reliable protection

contacts

Main office Metro station: SokolAddress: Building 2, 72 Leningradsky Prospect, 3rd Floor, Alcon Business Centre, Moscow, 125315, RussiaTelephone: +7 (495) 935 8950Fax: +7 (495) 935 8952e-mail: [email protected]

St. Petersburg Branch office

Business Centre «North Capital»Metro station: Gostinny Dvor / Griboyedov CanalAddress: 36, Moika Embankment, St. Petersburg, 191186Telephone: +7 (812) 449 4761Fax: +7 (812) 449 4762e-mail: [email protected]

Regional Representative (General Agent) in Kaliningrad region

Makarkhin DenisAddress: office 819, 40, Moskovskiy prospect, Kaliningrad, 236006, RussiaTelephone: +7 (4012) 702 721 Fax: +7 (4012) 702 722 e-mail: [email protected]

Regional Representative (General Agent) in tatarstan

Oleg MalovAddress: office 322, 1, Kalinina Str., Kazan, 420043, Republic of TatarstanTelephone: +7 (843) 239 0269Fax: +7 (843) 290 7002e-mail: [email protected]

www.facebook.com/aig.russia www.twitter.com/aig_russia www.aig.ru

American International Group, Inc. (AIG) is one of the international leaders in the insurance market, serving clients in more than 100 countries worldwide. Companies included in AIG provide services to business entities, government agencies and private clients, taking advantage of the largest global network of property and personal insurance. In addition, AIG companies are among the leaders in the market of life insurance and pension insurance in the United States. Ordinary shares of AIG are traded at the New York and Tokyo stock exchanges. AIG is one of the most famous brands in the markets of personal and property, life and pension insurance. More information about American International Group, Inc. can be found on our websites www.aig.com, www.aig.ru. Products and services are distributed by subsidiaries and affiliated companies of American International Group, Inc. Insurance services in Russia are provided by AIG CJSC. This material is for informational purposes only. Not all products and services are offered in each jurisdiction, and insurance coverage depends on the actual conditions of insurance, specified in the relevant policy or contract. Some products and services may be offered by an independent third party. Distribution of insurance products can be carried out both through affiliated and independent companies.

The Russian Federation Federal Financial Markets Service license СЛ № 3947, СИ № 3947, ОС № 3947–03, ОС № 3947–04, ПС № 3947 from April 17, 2015© 2015 American International Group Inc. All rights reserved

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