1. OUTLINE AIG Environmental Background What is Environmental Insurance?
Insurance Products
Commercial Pollution Legal Liability
EAGLE®
Other
AIG Consultants

2. Background Information
AIG Environmental is a division of AIG, Inc, a leading international insurance and financial organization with assets of over $800 billion
Writing environmental insurance since 1979
14 offices across the US and Canada with full underwriting staff
Dedicated engineering staff (AIG Consultants) exceeds 40 professionals
Provide underwriting, claims management, loss-control services, contract review, emergency response network, and connections with AIG’s member companies

3. What is Environmental Insurance?
Insurance Definition of Pollution1: The contamination of an environment by substances regarded as pollutants. Liability from pollution is normally excluded to some degree by general, auto, and umbrella liability policies. In recent years, insurers have attempted to introduce strict exclusionary language into these policies, making it necessary for insureds to seek coverage under separate “environmental impairment liability” policies.
Insurance Definition of Pollutant1: An irritant or contaminant, whether in solid, liquid, or gaseous form, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste (when they can be regarded as an irritant or contaminant).
1 Glossary of Insurance and Risk Management Terms, 10th Addition. Copyright Published by International Risk Management Institute. Dallas, TX. Page183

4. Understanding Your Exposures: Risk Management
Clients: Control High Frequency / Low Severity Losses
Insurance: Indemnifies for High Severity / Low Frequency Losses
Low Severity High
Insurance
Avoidance
Retention
Loss Control & EHS&S Mgt Systems
Low Frequency High

5. Insurance Products Commercial Pollution Legal Liability® (CPLL)
Environmental insurance only
Offered to most classes of business
EAGLE® (Environmental And General Liability Exposures)
Inclusive coverage that combines GL with Pollution Liability, Auto & Umbrella
Offered to specific classes of business
Other Products (not explained in presentation)
Errors & Omissions – for environmental services, firms, labs, & engineers
Contractor Operations & Professional Services (COPS) – for contractors and consultants
SEAL (Supplemental Environmental Auto Liability)
Passport – International Pollution Coverage

6. Storm Damage Commercial Pollution Legal Liability® (CPLL)
Pay for the Insured’s Pollution loss as a result of:
Bodily Injury
Property Damage
Clean-Up Costs
Standard agreement encompasses:
Owned, leased, or managed sites (site-specific)
3rd party locations / Non-owned sites
Transportation
Contracting Operations
Contractual Liability
Claims must be first made against the Insured and reported to the Company, in writing, during the Policy Period, or during the extended reporting period if applicable
Storm
Damage

7. EAGLE® Environmental and General Liability Exposures
Specifically designed for companies with chemical exposures
Pollution coverage included in general liability, auto, and umbrella policy
Recognizes ChemStewards® as risk reduction tool
Considers EHS&S Management Systems in underwriting
Premium credits offered for verification costs

8. EAGLE® - Flexible Structure
General Liability Coverage:
A - 3rd Party Bodily Injury & Property Damage
B - Personal & Advertising Injury Liability
C - Medical Payments
Pollution Coverage:
D - Gradual Pollution Legal Liability for Designated Locations
E - Enhanced Pollution Coverage

9. EAGLE® - Pollution Coverage
Pollution (Coverage D1)
On Site 3rd Party Claims for Bodily Injury
On Site Property Damage
On Site Cleanup Costs (optional)
Off Site Bodily Injury
Off Site Property Damage
Off Site Clean Up Cost
Non-owned locations can be included
Pollution Enhancements (Coverage E)
E 1 – Pollution from Hostile Fire
E 2 – Products Pollution Liability
E 3 – Contractors Pollution Liability
E 4 – Pollution from Transported Cargo

10. What is AIG Consultants?
Consulting Services for:
Environment
Healthcare
Safety
Property
Crisis Management
400+ engineers and consultants worldwide
33 countries and 130 jurisdictions
ISO certified
Supports the AIG Environmental underwriting process with:
Technical analysis of the operations
Recommendations for improvement

11. AIG Consultants: Customer Services
Technical Consultation
On-site Consultation or Phone survey
Risk Tool – on line risk management loss control information source –
Provides EHS&S web links, training programs, program templates, recordkeeping programs and more
All SOCMA members are eligible for COMPLIMENTARY registration on Risk Tool
Transportation-Related Services
National Safety Council Defensive Driving Course - online training
Mock DOT Surveys – overview of fleet compliance practices
Driver Monitoring – sticker posting on fleet vehicles with VIN and a toll free number
PIER (Pollution Incident and Environmental Response)
Complimentary 24/7 environmental contracting & consulting services for all customers
PIER I – transportation & fleet coverage
PIER II – site coverage
PATROL (Planning and Tracking Response On Line) –
Top Screen Assessments
Terrorism / Security Vulnerability Assessments
Disaster Control
Continuity Planning

12. Your AIG Team Atlanta: (770) 671-2304 Los Angeles: (213) 689-3935
Berkeley Heights: (908)
Boston: (617)
Chicago: (312)
Cleveland: (216)
Dallas: (214)
Houston: (713)
Los Angeles: (213)
New York: (212)
Philadelphia: (215)
San Francisco: (415)
St. Louis: (314)
Toronto: (416)
Homeland Security: (212)

13. Questions?
Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all states. Issuance of coverage is subject to underwriting. The scenarios summarized above 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 policy itself for a description of the scope and limitations of coverage. Policy terms may vary bases on individual state requirements and may not be available in all states.