Global Risk Solutions

Alternative Solutions and Product Innovation

Some risks are too unusual or complex to be addressed effectively in the traditional insurance or financial markets. We help businesses to address these challenging exposures by providing highly customised, innovative programs that apply insurance and/or capital market strategies.

We can help companies who:

• Require evidence of insurance for regulatory, disclosure, marketing, trading or counterparty needs.
• Face a specific problem for which there is no clear risk transfer solution.
• Encounter limited availability of risk transfer due to current market conditions or shifting underwriting capacity.
• Are planning a merger, acquisition, or divestiture in which difficult risks are impeding the transaction.
• Experience restricted coverage due to adverse industry claim trends.
• Are challenged with high attachment points due to poor loss experience or market conditions.

Global Fronting Programmes & Captive Management

Efficient utilisation of capital is critical to a company’s strength and growth. Our Global Fronting Programmes may provide a more efficient use of capital than traditional insurance, helping clients retain risk through a captive, rent-a-captive or other protected cell structure, fully funded structure or indemnity programme.  Global Fronting may provide a better solution for companies who:

• Seeking an insurance programme that allows them to retain significant elements of risk in order to benefit from positive loss experience.
• Have an above-average risk profile that is not properly reflected in the market prices for traditional insurance.
• Pursue more efficient access to the reinsurance markets.
• Seek to expand the use of an existing captive, rent-a-captive, or other protected cell structure to insure all or part of a risk.
• Require evidence of insurance for regulatory, disclosure, marketing, trading, or counterparty needs.
• Face a specific problem for which there is no clear risk transfer solution.
• Seek greater certainty and flexibility on coverage and premium through varying market.

• Large commercial
• Financial Institutions
• Growing middle market companies
• Multinational corporations

• Over 50 years’ experience providing global captive fronting solutions.
• Over 20 years’ experience delivering non-traditional solutions to our clients’ unique risks, using innovative structured (re)insurance solutions.
• Unique project-focused culture bringing together underwriters, actuaries, lawyers, accountants, credit officers, claims professionals, and operational specialists.
• Superior serving and claims handling, reporting and management.
• Access to AIG’s multinational policy issuance capabilities and expertise controlling multi-currency cash flows.