AG’s non-marine team has extensive experience and expertise designing and placing non-marine insurance and facultative reinsurance programmes. Our clients benefit from our comprehensive network of markets in Lloyd’s, the broader London market, and in international insurance centres, which allows us access to the extensive underwriting skill and risk appetite of the world’s leading reinsurers. AG’s wholesale client base includes independent retail and wholesale brokers, managing general agents, risk and captive managers and insurance companies buying facultative protection.
Our areas of speciality include:
High Hazard Natural Catastrophe Cover is insured through quota share, primary, excess of loss or deductible buy-down placements. The choice is based on our solid understanding of each client’s business. AG has developed markets with risk appetites for key territories including North America, the Caribbean, and South America. Our own risk knowledge and entrenched market relationships allow us to secure competitive terms for our clients without compromising service or security.
Pools and Programmes are arranged for affiliated non-profit, educational and municipal organisations. Our experience in this specialist area allows us to design and structure bespoke solutions for any type of entity. Whether the coverage we arrange is direct insurance or reinsurance, our specialists are able to combine capacity from London, Europe, Bermuda and even local underwriters to attain full limits for property-specific and multi-line liability packages.
Difference in Conditions and Difference in Limits and Deductible Buy-Downs are routinely arranged by us for our clients. These speciality covers protect catastrophe-peril exposures in high-hazard zones all over the world. AG’s excellent and longstanding relationships with primary and excess carriers enable us to achieve high levels of coverage at competitive terms. AG also provides alternative deductible structures by utilising deductible buy-down markets, which helps us reach otherwise-unobtainable percentage-catastrophe deductibles.
Mining, Metals, and Power Utilities, from single-generator municipal stations to national grid operations, are covered by AG through market-leading insurers. We develop bespoke policy wordings designed to suit the specific needs of the ultimate insured. AG considers all forms of mineral, base and precious metal, and diamond mining operations on a direct and reinsurance basis.
Construction All Risks and Erection All Risks are regularly placed by AG. We specialise in Real Estate Quota Share deals, on either a lead or supporting basis. Tailored packages which prevent gaps in coverage are available for one-off projects.
United States & Canadian Small and Medium Enterprises with values under $100 million are insured by AG under a specially designed facility, which efficiently services insureds’ needs for all classes of business. The facility can be used effectively when combined with AG’s Stock Programme, which gains access to alternative capacity from different disciplines on the same deal in order to obtain the best possible pricing for risks with storage and transit exposures.
AG has developed a portfolio of speciality products to suit a range of client needs. These include: