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Overview

AIG’s insurance products can help retailers of varying sizes protect their business. We also offer services that provide support to minimise losses before or after the event, allowing you to focus on your business operations.

Cargo

With increasing globalisation, comes greater trade opportunities. And with it, risk to goods in transit. Marine insurance covers this risk and offers the safe transport of material - port to port or warehouse to warehouse.

Commercial Property

AIG Commercial Property is a leading provider of property insurance in the marketplace, with up to $1.5 billion of Limit capacity and significant catastrophe capacity available for a wide range of properties worldwide.

Contaminated Products

Provides cover for recall costs, loss of gross profits and rehabilitation costs following accidental or malicious contamination (actual or threatened). It also provides crisis management planning and loss prevention services through leading international crisis management specialists.

Extended Warranty

We provide retailers and manufacturers a full range of service solutions including Extended Warranty and Accidental Damage for products such as Consumer Electronics, Mobile Devices, Laptop/Notebooks and PC, Home Appliances and Heating and Cooling Equipment.

First Party Recall

Manufacturers, importers and retailers must ensure that their products are safe for consumers, report any safety concerns to the authorities and take action on any safety matters. Does your product liability cover the real costs of a recall?

Multinational

Food, drink, cosmetics, pharmaceuticals and tobacco products are susceptible to contamination, both accidental and by deliberate interference through malice for political or financial gain. Such incidents are increasingly common and, when they occur, attract media interest which can have a disastrous impact on the public's confidence in the affected product.

Public & Product Liability

Public Liability Insurance offers cover for third party liabilities (Bodily Injury / Property Damage) arising out of the premises occupied by the Insured and legal costs incurred in connection therewith. The policy also referred to Commercial General Liability or Completed Operations Insurance can be extended to cover legal expenses arising out of Sudden and Accidental Pollution, Act of God Perils, Transportation of Hazardous Substances, Carriage of treated effluents etc.

Terrorism

AIG U.A.E.'s Property Terrorism and Sabotage Insurance has been specifically designed to cover the sabotage, terrorism, mutiny, rebellion, insurrection and coup d'état (excluding war and civil war) risks faced by multinational companies operating in countries where these risks are normally excluded from standard insurance programs. Coverage for strike, riot and civil commotion can be included by endorsement.

Workmen’s Compensation / Employer’s Liability

Worker’s Compensation covers any occupational sickness, accidents arising out of and in the course of employment (work related) including medical expenses and loss of wages for either bodily injury or death of an employee as per applicable Labor Law. Employers Liability pays additional compensation over and above the workmen’s compensation benefits upon court judgment based on negligence on part of the employer

Commercial Auto Fleet

Commercial Automobile Insurance protects businesses owning an auto fleet against risks such as a motor own damage and any third party bodily injury and property damage liability that may arise from an accident Any business that commercially uses automobiles in its operations needs this type of insurance coverage to ultimately protect its bottom line.

Construction

Contractors All Risks insurance is designed to provide comprehensive property damage coverage for the myriad of risks that construction projects face from project conception through completion and beyond.

CyberEdge

Revolutionary advancements in IT technology has transformed the way companies today manage their business, but have brought with it new and challenging cyber risks. AIG has been at the forefront in understanding these risks and developing a solution that provides all the expertise and financial protection companies need to both protect against the financial losses associated with a data breach or network security failure and to respond swiftly and effectively to manage and mitigate an event. CyberEdge can help mitigate not only the potential financial impact of a data leak, loss or breach, but also the reputational impact and the IT impact because it combines traditional insurance cover with professional consultancy.

Fidelity/Crime

It is a hard truth that sometimes it may be the most trusted and senior staff in an organization who use their system knowledge to work around security and set up insidious, well-concealed fraud systems. The impact of fraud to a business can go beyond the money or stock that’s been taken. Customers and investors may lose faith in the management and employee morale may fall. In the MENA region many large business organizations do not purchase specialized crime cover, relying on basic property insurance policy. However, these may not be extensive covers and could leave them exposed to several risks with no cover for stock or goods, uselessly-low limits or sharp restrictions on discovery periods. Crime insurance from AIG not only provides comprehensive protection from the effects of dishonesty, but it also enables businesses to demonstrate their commitment to effective risk controls

Mergers and Acquisitions

Every corporate strategy of combining businesses through Mergers and Acquisitions presents its own set of unique challenges and inherent risks. At AIG, we recognize Mergers and Acquisitions insurance as a highly specialized field of cover. A cover that focuses on aiding the M&A process by protecting certain potential risks that may be likely to occur immediately or at a later date.

Professional Indemnity (also known as Professional Liability (PL) or Errors & Omission (E&O))

Professional Indemnity insurance covers organisations or individuals against alleged breaches of their professional services.

Recreational Marine Overview

At AIG, we understand that each type of boat and yacht - from runabouts to mega-yachts has a unique set of logistical issues and risks requiring a specialized insurance solution.

Umbrella & Excess Liability

Provides excess limits over and above any other underlying liability coverage forms or policies. In addition, it may also include coverage not included or provided in underlying coverage forms or policies.