Structured Insurance Programs for Professional Liability

Risk Finance Contacts

Case Studies

Structured Insurance Programs may offer an effective solution for organizations facing professional liability exposures that are complex or difficult-to-insure. These programs differ from most traditional insurance by including some element of 'structure' such as an experience account, premium adjustments and/or the manner in which limits respond. When a Structured Insurance Program includes an experience account, that account is funded by a portion of the program's typically substantial premium or deposit premium. The account earns interest and funds loss payments. At a specified date after the policy period ends, the client may be eligible to receive any remaining balance.

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Potential Benefits Back To Top

Benefit from favorable loss experience
Address multiple types of exposures in one structure
Obtain multi-year capacity with price certainty
Mitigate loss volatility with multi-year coverage

Provide evidence of insurance while saving costs as compared to traditional insurance
Have significantly greater control over claims
Obtain financing on more advantageous terms
Have flexibility in terms of payment schedule

Marketing Materials Back To Top

Profile of AIG Risk Finance^® (.pdf)

AIG Risk Finance^® Product Guide (.pdf)

AIG Commercial Insurance is the marketing name for the domestic commercial property casualty insurance operations of American International Group, Inc. All products are written by insurance company subsidiaries of AIG Commercial Insurance Group, Inc. Coverage may not be available in all jurisdictions and is subject to actual policy language. Claims scenarios are presented for illustration only. Certain coverage may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.
Certain of the products and programs described above may be in the development stage and not in their final form. Such products and programs are not approved for offer or sale. Pending finalization and approval, such products and programs may involve various types of financial products, including, for example, loans, derivatives and insurance. Non-insurance products and services may be provided by independent third parties. Legal Notice

Contact AIG by email or phone Call M-F 6am-8pm ET | USA: 1-877-638-4244 Worldwide: +1-908-679-3150

Insurance and financial services provided by member companies of American International Group, Inc.
AIG member companies also offer Auto Insurance, Life Insurance, Health Insurance, Retirement Planning, Financial Services, Travel Insurance and numerous other products and services to customers across the globe.

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