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It is a hard truth that sometimes it may be the most trusted and senior staff in an organisation 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 organisations do not purchase specialised 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.


Our Crime Manager Complete product includes cover for employee fraud, dishonesty and fraudulent acts committed by third parties.

Cover highlights include any one loss core covers for

  • employee dishonesty (single trigger principle intent plus qualifying trigger requiring improper financial gain for loans and trading),
  • third party computer and funds transfer fraud,
  • forgery, fraudulent alteration,
  • all risks money and
  • securities and credit card fraud.
Broad definition of employees with the inclusion of outsourcing in definition of employee (for administrative functions).

Why AIG?

  • Financial resources that allowed us to pay an average of $115.1mn in claims worldwide every business day in 2012.
  • 88 million clients in over 100 countries and jurisdictions.
  • A 90-year history and one of the industry's most extensive ranges of products and services.
  • Deep claims expertise with the know-how to handle the most complex risks.
  • A+ Rating as per S&P
  • $34 billion in net written premiums worldwide in 2012.