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Political Violence

Tailored resilience for an evolving world

Why Choose AIG for Political Violence Insurance

Multinational organisations operate across complex risk environments, experiencing a spectrum of potential active threats and impacts against people, operations and assets.

Navigating a complex threat environment (unfamiliar impacts, across multiple countries) remains a challenge for any risk team.

With the AIG Political Violence team’s local experience and global reach, we can design programs to align cover against the actual peril exposure of your assets, whether from terrorism, civil unrest or political violence.

The AIG Advantage

Where We Can Help

AIG can support clients with Sabotage & Terrorism, Strikes-Riots-Civil Commotion, and full Political Violence programs across almost all industry sectors. Our team match your asset footprint to the appropriate peril cover, matching policy responsiveness with how local threats can impact your business. 

Your Insurance Partner

Our solutions are designed on a standalone basis or to complement property programs. Where AIG support across multiple insurances, your organisation can access efficiencies of cover, price and claim management. This brings certainty and consistency of cover, and response, wherever your organisation has invested in their business and people.

Underwriting Expertise & Multinational Capabilities

AIG’s Political Violence & Terrorism (PVT) underwriters are based around the world, remaining close to our clients and their exposures to provide local knowledge, local servicing and local solutions. We offer standalone, locally admitted or controlled master programs to suit local regulatory environments and internal appetite. 

Building Program Capacity

We offer local and international PVT capacity to build best-fit, best-price solutions, supporting the servicing needs of our clients and broking partners.

Matching Cover to Evolving Risk

AIG can extend our programs to cover non-damage business interruption, the impact of police or security responses to terrorism events, and the post-event drop in visiting customers often experienced by retail, sports and hospitality clients.

Defendable Insurance Strategies

Our in-house consulting team can support clients through building detailed, defendable analysis on actual portfolio exposure and worst-case potential loss. This allows clients to refine both breadth of coverage and investment in financial resilience for these complex perils.  

AIG Political Violence Solutions

Drawing on our deep industry expertise, our products are crafted to provide flexible solutions to address our client’s complex cover needs.

The AIG solution minimises the space between Property and Terrorism/ Political Violence insurances. We establish confidence of insurance response and regulatory alignment across geographies, delivering a clearly structured, predictable program.

AIG can provide a maximum limit of USD 500m for Terrorism & Sabotage. We can look at covering assets on worldwide programs as well as single location policies. Either can be done as a master policy or include multinational local policy issuance.

For SRCC and War/Civil War cover, we can provide up to USD 250m of cover. This includes War, Civil War, Insurrection, Rebellion, Mutiny and Coup d’Etat, in addition to SRCC. This can consist of single or multiple locations/territories or those requiring a multinational programme with local paper.

AIG can include various policy sublimits/extensions such as Active Assailant and Terrorism Liability cover, which can be tailored depending on the client’s needs.

We can lead the coordination of claims management across multiple lines often impacted during these events (PV, Property and A&H for example), simplifying and speeding the claims process for our clients. 

Our Political Violence Team

Contact your local AIG team to learn more about our Political Violence offering.

Products or services may not be available in all countries and jurisdictions, and coverage is subject to underwriting requirements and actual policy language. The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a description of the scope and limitations of coverage.

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