welcome to aig · aig is one of the world’s largest insurance companies, with more than 46,000...

WELCOME TO AIG

2

AIG is one of the world’s largest insurance companies, with more than 46,000 employees and 90 million clients. This brochure provides information about the company and the capabilities of AIG.

3

Introduction by AIG Russia President 4

Client Relationship Management 6

AIG Key Competitive Strengths 8

AIG Awards and Competences 9

Technological Revolution 10

Major Business Lines 12Corporate Property Insurance 13Cargo Insurance 14Casualty Insurance 15Compulsory Insurance of Hazardous Production Facilities 16Products and Services Liability Insurance 17Product Damage and Product Recall Insurance 17Environmental Indemnity Insurance 18Employer’s Liability Insurance 19Directors and Officers (D&O) Liability Insurance 20Professional Liability Insurance 21Cyber Insurance 22Single Project Professional Indemnity Insurance (SPPI) 23Crime Insurance 24Insurance for Banking Institutions 25

Banker’s Blanket Bond (BBB) 25 Financial Institutions Liability Insurance 25

Insurance for International Companies 26

Risk Management and Engineering Support 28

Insurance Claims Settlement: Payments First 30

CONTENTS

4

Dear clients and partners,

I am pleased to welcome you to the pages of our brochure.

Last year, we celebrated the 100th anniversary of our Company. The Company has been operating in Russia for over 25 years.

The rhythm of life and business processes are becoming more sophisticated and dynamic, and sometimes unpredictable. The reverse side of the changing reality for business is uncertainty; clients need guarantees, confidence and stability in the business processes against exposure to risks.

We at AIG are aware that the risks and threats facing our clients are continuously changing. That is why we consistently improve the products and quality of our service.

We develop solutions for both today and tomorrow so that you can look into the future with confidence. Every product sold by us is based on the profound experience of preventing damage, and the expertise of our insurance claims settlement team.

Our clients have entrusted us with their risks, and we recognize our great responsibility to provide support before and after an insured event, regardless of its extent.

The emerging health risks, or epidemiological risks, have forced us to take measures to ensure the stable operation of AIG, the safety of employees, and to continue serving our clients in accordance with the highest quality standards of protection against risks. At the same time, we are considering different scenarios of minimizing the risks of continuous operations in an emergency, both for ourselves and for the business of our clients.

Our work starts long before an insured event. We offer our clients, not just insurance programs, but a wide range of innovative insurance solutions. The efforts of our employees are aimed at minimizing our clients’ risks, reducing the financial burden, and providing advance and maximum protection. We are ready to solve the most challenging tasks. In this way, we are laying a solid foundation for our long-term partnership with clients. We believe that with the correct values, vision, strategy and hard work, anything is possible.

Thank you for your cooperation. I trust we will have an efficient and reliable partnership.

Kind regards, Roman Tikhonenko President, AIG Russia

5

We have accumulated vast experience in client service:

dedicated manager responsible for relationship and communications with the company

flexible insurance policies structure

innovative products

client-oriented approach in insurance claims settlement

6

We help clients protect their future and provide them with the best risk management expertise. The history of AIG dates back to 1919.

7

WE AIM TO BE THE ULTIMATE INSURER FOR OUR CLIENTS

Many companies are looking for non-standard, cost-effective ways to manage risks. We continuously use innovative approaches to develop insurance rules, methods of insurance claims settlement, as well as insurance programs options. Our experience gives us a deeper understanding of the causes of damage and how to prevent it.

All our solutions are developed individually for specific client requirements to balance the transfer and retention of risks. We provide clients with a dedicated manager to coordinate interaction, which offers a reliable and consistent approach. We give recommendations to reduce risk by providing measurable parameters which clients can see reflected in terms of their business profits.

8

AIG KEY COMPETITIVE STRENGTHS

One unique advantage of of AIG is the combination of a thorough knowledge of the Russian market with international practices and standards of service, allowing us to identify emerging risks and trends of various types of insurance claims affecting the client’s business. We are developing new risk management solutions for clients’ tasks.

Facts and figures

AIG is the flagship of the global insurance market

A wide range of insurance services in personal and property insurance for individuals and business entities

Present in over 80 countries providing a global distribution network

Over 100 years of operation worldwide

More than 25 years in Russia

Over 90 million clients worldwide

International quality standards of service

90% of clients renew their insurance contracts in Russia

ruAA+ high reliability and financial strength rating from Expert RA

Balance sustainability and quality:

more than $65,68 billion in own funds*,

$525,06 billion in assets*

Advanced insurance technologies, a continuous process of improving products to meet market needs

* 2019, 10K form

9

AWARDS AND COMPETENCIES OF AIG IN THE WORLD

Top 50 Companies for Diversity 2019

Best Employers for New Grad List, Forbes 2019, Canada’s TOP Employers for Young People, 2020

TOP 15 companies for executive women 2019

AWARDS AND COMPETENCIES OF AIG IN RUSSIA

* according to the Central Bank of the Russian Federation in terms of insurance premiums, 2019

TOP 10 insurers in terms of inward reinsurance

TOP 15 liability and financial risk insurers

TOP 20 cargo insurers

TOP 25 property insurers

TOP 35 property and casualty insurers

10

TECHNOLOGICAL REVOLUTION

Industry 4.0, also known as Manufacturing 4.0, is the fourth major change in mechanized production since steam power, and offers businesses extraordinary flexibility and efficiencies through smart working practices.

Companies around the world are undergoing a deep digital transformation: enterprises digitize not only internal production processes, but also supply chains and distribution channels. They expand their product range with digital features and introduce innovative services based on big data analysis. Almost every business is now exploring the possibilities of the blockchain: from financial institutions to industrial enterprises and the service sector. Industry 5.0 is on the horizon now, which will make collaboration between people and machines significantly more productive.

Artificial intelligence technologies already contribute to the making of important decisions in large industrial projects, and drones take pictures of the object of insurance to assess potential damage in case of insured event occurrence.

Expectations from the use of new technologies are growing at a remarkable rate. The biggest change to production processes in almost two centuries offers unprecedented opportunities, but companies must balance these against a complex downside – the emergence of new risks.

11

The Internet of Things – the driving force of the global economy, helps to improve business operations, create a range of new services, transform business models, influence the reduction of company costs and service speed, increase security and minimize risks.

More and more people are involved in the sharing economy. But what about insurance and risk assessment in this new world of sharing economy? We believe that insurance of sharing economy platforms and consumers will become one of the biggest challenges for the insurance industry in the next ten years.

Despite all of the advantages, we should not forget about the risks that the introduction of new technologies brings. The Internet of Things enhances the interdependence of industries, which stimulates the introduction of new insurance solutions due to the need to cover risks emerging from the use of technology. Insurance is exactly the tool that allows the manufacturer to introduce technological changes and transform business models confidently. One of the goals of AIG is to understand the potential impact of risks and ensure the sustainability of clients’ businesses.

12

MAJOR BUSINESS LINES

AIG is the flagship of the insurance industry in the world. Over the past 25 years, we were the first to introduce innovative coverage to the market that help organizations cope with emerging risks.

13

Corporate Property Insurance

Large insurance capacity and reliable reinsurance system

AIG team has decades of experience in providing insurance protection for the property of large industrial enterprises, including enterprises of the energy sector, refineries, steel and machine-building plants, cement plants, steel mills, etc.

The Company has accumulated considerable knowledge in the field of real estate insurance – business centres, shopping malls, offices and hotels. For such objects, the Company has developed special insurance programs and claims settlement procedures.

Examples of insurance cases, demonstrating the need for insurance:

1. The ceiling of an area over 250 sq. m. collapsed in a large shopping centre during the installation of a fire alarm system. This incident resulted in significant damage to the store’s interior design and shop equipment. The shopping centre was closed until the full clarification of all the circumstances of the incident and the removal of debris, resulting in a significant loss of income from the commercial space not being used.

2. An accident within a citywide water system, located close to a shopping mall, resulted in flooding and the subsidence of the asphalt pavement of the shopping centre parking lot and buildings. Because of earth slippage and rubble in the sewage drainage system of the shopping centre, pumping stations were jammed, and the entire water system failed. The property of the shopping centre suffered significant damage.

Property damage Fire and named perils All risks

Damage to machinery Any internal damage of production or electronic equipment, such as short circuits, power surges, staff negligence, explosions of steam boilers, etc.

Business interruption Compensation for financial losses incurred as a result of events covered by the property insurance policy

Compensation of losses from business interruption, until full recovery of the property, and recovery of normal operations

Terrorism Property damage and business interruption as a result of terrorist acts

14

Cargo and Carriers’ Liability Insurance The growth of international trade, coupled with an increasing number of companies going to foreign markets, requires the cargo owner’s careful attention, not only to the scope of coverage, but also to the quality of services provided by the insurance company. After all, the quality of cargo insurance claims settlement is the main indicator of the insurer’s work.

Objects of insurance:Any cargo (finished products, equipment, semi-finished products, raw materials), including coverage of cargo transportation within construction projects, or modernization with coverage of lost profits as a result of delays in commissioning.

Large insurance capacity for each transportation

Protecting the interests of the cargo owner

A wide range of risks: from general average to accidents

Carriers’ or forwarders’ liability insurance for cargo safety

Qualified claims settlement by the employees of the AIG office nearest to the scene of the incident or at the AIG branch within the country, and in the native language


1. As a result of faulty truck ignition wiring, a fire occurred which spread to the trailer’s cargo. The cargo – plastic for the food industry – was completely destroyed.

2. As a result of a severe storm, several containers with cargo were washed overboard from the deck of a container ship.

3. After arriving at the customs office to enter into the territory and completing customs procedures, a truck loaded with household appliances did not arrive at its destination. Communication with the driver was lost, and the consequent search achieved no results.

15

Casualty Insurance

Protects the property interests of the client resulting from harm to life and health, as well as the property of a third party directly during the implementation of the insured business.


As a result of a wiring defect, an extensive fire occurred on the territory of the insured which led to damage of the adjacent buildings belonging to a third party.

The risk of liability caused by the following unintentional and unexpected events may be covered under the policy:

Third party bodily injury and property damage

Third party bodily injury and property damage due to defects in goods/works/services

Workers bodily injury

The risk of incurring legal fees

The policy can combine a set of insurance risks and establish a liability limit and an insurance premium under a group of selected risks.

16

Compulsory Civil Liability Insurance of Hazardous Facility Owners, for Harm Caused from the Result of an Accident at the Facility

AIG JSC provides insurance for hazardous production facilities under Federal Law No. 225-FZ, dated July 27, 2010, On Compulsory Civil Liability Insurance of Hazardous Facility Owners for Harm as a Result of an Accident at the Hazardous Facility

The law regulates the relations connected with the compulsory insurance of liability of owners of hazardous industrial objects (business entity or individual entrepreneur, owning a hazardous object under the right of ownership or other legal grounds and operating a hazardous object) for causing harm and the protection of victims (third party, as well as employees of the insured) as a result of an accident at the hazardous facility in the Russian Federation.

AIG JSC is an active member of the National Union of Liability Insurers (NULI)

17

Products and Services Liability Insurance

Protects the property interests of the client, related to its obligation under civil law, to indemnify the damage caused to a third party resulting from defects of manufactured and sold products, works or services provided.


A company produces metal pipes which have a wide range of commercial and industrial purposes. Metal pipes, supplied to one of their clients, were used in a residential area. Defects in the metal caused the pipes to break under pressure resulting in significant water damage.

Product Damage and Product Recall InsuranceProtects property interests associated with losses caused by the recall of the insured product that has been manufactured and sold by the client. The basis for the decision to recall the product from the market may be accidental and malicious damage by a third party, as well as by the employees of the insured, or a threat of malicious damage.

The cost of advisers and consultants fees in the field of crisis management

Payment of the cost of product recall carried out under forced or voluntarily procedure, for example, storage, disposal, transportation of products recalled from the market

Loss of profit

Product replacement costs

Other expenses


The insured discovered that dangerous bacteria had been found in its cheese products. A notification was sent to the sanitary and epidemiological institution. The product was recalled from the market. Laboratory studies confirmed the presence of Listeria, Salmonella and Escherichia coli bacteria. The causes of product damage were voids in the storage seals of cheese milk. The insured filed a claim for over USD 1,500,000.

18

Environmental Indemnity InsuranceThis type of insurance is a comprehensive insurance product that provides protection of the client’s property interests related to causing harm to the environment, and losses as a result of such contamination. The basis for imposing liability on the subject can be contamination that previously existed at the site, or environmental pollution during production activities. General liability insurance policies cover only the risks of sudden and accidental pollution, excluding losses as a result of gradual pollution (e.g. fuel leaks at oil depots). The insurance product of AIG in Russia covers, not only risks of sudden and unexpected pollution, but gradual pollution as well. An additional advantage is cover for the cost of clean-up of the insured’s territory and cleaning the territory of any third party affected by the pollution at the insured’s premises. It is possible to cover the risks of previous pollution and contamination during production activities. It is important to understand that Federal Law No. 225 On Compulsory Civil Liability Insurance of Hazardous Facility Owners for Harm as a Result of an Accident at the Hazardous Facility expressly excludes liability for environmental damage.

The cost of cleaning up the third party territory and the facility itself from pollution

The cost of compensation for third party bodily injury and property damage

Legal and court expenses

Compensation for environmental damage, including accumulated damage

Damage to biodiversity

Business interruption loss

Access to PIER Europe international response service, working 24/7 in more than 40 languages.


A production company is selling specific objects. One of the conditions of sale was an obligation to compensate for damage to the environment occurred before the date of signing the appropriate contract. The seller decided to buy an environmental liability insurance policy, which applies to cases of unknown contamination occurred at the object earlier. The buyer and the seller have been included in the insurance contract as the insured persons (co-insured). Coverage includes a) the cost of cleaning the production area and beyond due to pre-existing pollution; b) the costs of legal defence; c) other expenses.

Additional insurance coverage:

Unknown cases of pollution that previously existed at the site

Business interruption of the insured

Liability for environmental pollution during transportation

The insured’s territories, not in its ownership

19

Employer’s Liability Insurance

Protects the property interests of the client, liable for harm caused to employees during the performance of their work duties.


An employee, who is on apprenticeship, seriously injured his back due to lifting excess weight because the employer did not organize the appropriate training. As a result of the injury, the employee became incapacitated for several months.

20

Directors and Officers (D&O) Liability InsuranceAIG has many years of experience in directors and officers liability insurance. Our clients are the largest Russian and foreign companies. Today, there is a demand for small and medium-sized business directors insurance policies. Insurance of directors and officers liability, and the company as a whole, helps to protect the organization and its subsidiaries from legally justified claims against directors and officers of the company, as well as against the company from shareholders, employees and other third parties.


1. At the request of a minority shareholder, the General Manager was prosecuted under Article 201 of the Criminal Code (abuse of power). The General Manager denied his guilt and was arrested. Subsequently, the dispute was settled, and the criminal case was dismissed. The policy covered the costs of the General Manager’s legal defence.

2. Following the acquisition of a company, the buyer sued the former Managing Director, accusing him of providing false information expressed in an inflated value of the acquired company’s assets.

Key features:

Coverage of expenses associated with claims against company directors from shareholders, employees, clients, government agencies and third parties for wrongful actions while exercising their powers

Protection of property interests of company owners against risks associated with wrongful acts by management

Insurance covering expenses arising from filing claims against the company related to securities

The guarantee of protection that the company gives to its directors in case of discovering losses caused by the decision of the director

Engagement of highly qualified law firms to protect the interests of managers and the company itself

D&O policy compensates for:

Cost of claims settlement

Reputation recovery costs

Defence costs, including investigation costs related to the payment of lawyers, attorneys and experts fees, court costs

Claims prevention costs

21

Professional Liability Insurance

Protection for the insured, against claims by a third party, arising from the insured’s errors and omissions during the provision of professional services. A growing interest in professional liability insurance is seen from lawyers, auditors, as well as companies providing services in the field of information technology, and also in the media sector.

Compensation for third party (clients) bodily injury or property damage resulting from the insured person’s professional activities

Defence costs, charges and expenses

Additionally, a professional liability insurance policy can provide the following coverage:

Restoration of computer data and documents

Compensation for participation in proceedings

Intellectual property rights

Employee dishonesty


Media company – inadvertent dissemination of defamatory information.

An advertising campaign was developed for one of their clients by an advertising agency in which the client’s product was compared with a similar competitor’s product. At the same time, the properties of the advertised product were presented as better in comparison with a competitive product. The manufacturer of the second product filed a lawsuit claiming the use of false information in competition. The insurer covered the client’s costs of defence in court.

22

Cyber Insurance

Cyber risks are one of the most significant groups of risks for businesses today. These risks include potential liability as a result of loss, distortion and/or unauthorized distribution of personal data, including cases of a cyber attack, as well as business interruption due to system failure.

Direct expenses

PR-consultant’s and lawyer’s fees

The cost of notifying users or clients

Credit monitoring and identity monitoring

Consultant’s fees

IT forensic costs


1. Upon dismissal, an employee of the company copied corporate information to an external drive, violating information security rules. As a result, competitors gained access to the database with clients’ personal data. The former employer noticed a drop in sales and contacted an IT incident investigation company to check if any data had been stolen from the corporate system. As a result, the company spent heavily on software and technical expertise to determine what and whose data was stolen, notification of individuals whose data was stolen, monitoring of victims in order to avoid losses caused by theft, legal advice for the preparation of an investigation, and anti-crisis PR.

2. A senior employee of the company was on vacation in Europe. In the crowd of tourists, a smartphone was stolen from his bag with the corporate email containing trade secrets, including information about a large order from an international client. This information then become public. The client appealed to the court with a claim to compensate for the damage caused by the disclosure of confidential information.

Costs in the medium term

Company business interruption

The costs of legal defence (legal fees, fines)

The cost of data recovery

Third party liability

Costs in the long term

Loss of market share

Reputational damage

Loss of client confidence

23

A type of professional indemnity insurance for developers, designers, engineers and architects participating in a single project where professional indemnity insurance is required.

Single Project Professional Indemnity Insurance (SPPI)

Coverage, extensions and exclusions generally correspond to the standard professional indemnity insurance policy. The differences are that the policy is concluded for the duration of the project (as well as the necessary post-launch warranty period), starting from the development of sketches to the completion of construction, as well as during any extended discovery period of up to 10 years or more, and the policy covers all project participants.


To organize the movement of vehicles, two tunnels under the riverbed were designed and built. Errors in the design of elements of the concrete sheathing of the tunnel led to overload, which, in turn, negatively affected the sealing of the joints between the elements. Many elements had to be replaced. Construction delays and redesign costs amounted to nearly USD 10 million. The SPPI policy covered the entire amount.

24

Crime Insurance

1. Damage caused by employees Intentionally causing the insured losses and gaining illegal income for personal interests or the interests of other persons in collusion, and Fraudulent actions of an employee committed within the territory of insurance and during the insurance period, and

Detected by the insured during the insurance period or discovery period

2. Damage caused by a third partyMisappropriation of property within the premisesMisappropriation of property outside the premises

Counterfeit money orders and banknotes Fraudulent use of computers and payments transfer systems


The Fake President

One of the latest types of fraud worldwide is called ‘Fake President’. Its essence lies in the fact that the attacker, introducing himself as the President or someone from the company’s management, asks for a secret transfer to implement a confidential, urgent and very important transaction for the company. The spread of this fraud has gained alarming momentum; it is covered only after a specialized risk assessment.

25

Insurance for Banking Institutions

Financial Institutions Liability InsuranceProtection against losses incurred by clients of financial institutions as a result of unintentional errors, omissions, or negligence of employees.

This policy is designed to protect the professional activities of a financial institution which are related to banking, trading, settlement and other financial transactions.

The insurance covers the property interests of a financial institution which are not contrary to legislation associated with professional activities, and an obligation to compensate for damages caused.


1. A bank employee colluded with a criminal gang with the intention of robbing a bank. Together they organized an armed robbery, during which more than USD 1 million was stolen from the bank safe.

2. The bank manager and several employees were keeping large cash deposits, details of which were deliberately not recorded in the banking system. The bank lost more than USD 1 million as a result of fraudulent money transactions.

Damage caused by intentional acts committed by any employee of the bank, either alone or in collusion with others, in order to damage the bank or gain illegal financial profit

Damage due to loss of valuable property, belonging to a third party, from the bank’s premises

Damage due to loss of valuable assets during transit

Losses from forgery or fraudulent payment orders

Damage suffered by the bank as a result of transactions with securities

Fraud with the use of computers and payment systems

Comprehensive Bank Insurance Banker’s Blanket Bond (BBB)

27

INSURANCE FOR INTERNATIONAL COMPANIES

Bringing business to an international level is a serious task. In terms of insurance, this means ensuring compliance of business processes and procedures in all countries of the company’s presence, and the search for effective ways to manage insurance claims. If you are expanding your business geographically, AIG is the most favourable choice with the largest global network in the insurance market.

Our strategy is to expand our presence into territories that our clients are considering strategically important for their business. We are ready to help wherever your business takes you.

In all countries throughout the world, AIG supports you both before and after any occurrence of loss. Our experts provide compliance of insurance policies to local laws, business practices and culture. They also enter into long-term contracts with adjusters, independent experts, law firms, engineers, insurance agents and regulators around the world to meet the needs of clients and settle potential insurance claims.

No matter where in the world you operate, you are under our reliable protection

28

RISK MANAGEMENT AND ENGINEERING SUPPORT

The integrity of the picture and the protection of clients before the damage occurs is the key to AIG success

AIG attaches great importance to risk management, which is an essential element of business management. We are always ready to provide our clients with advice on minimizing potential losses. We aim to explore our client’s companies and determine the risks to which they are exposed.

Many risks are difficult to predict, but possible to counter: fires, natural disasters, theft, and more. The occurrence of any of these events, leading to damage, can seriously affect the financial condition of the company.

Our engineers conduct pre-insurance and insurance surveys of objects, revealing their most exposed areas and advising clients on how to reduce potential damage.

At the request of many of our clients, such surveys are carried out periodically, allowing the tracking of the changing dynamics of risks, and the planning of expenses on fire safety, security service and renewal of equipment.

Although working in different countries, our over 600 AIG engineers are one team. Engineer’s reports enable our clients to look at their own company from a complex risk assessment professional’s point of view.

30

You can always count on our support when you need it the most.

31

INSURANCE CLAIMS SETTLEMENT: PAYMENTS FIRST

The claims department provides unsurpassed quality services to our clients. Our staff’s years of experience and knowledge are available to our insureds. The better informed the client is on how an insurance contract operates, the more confident he feels.

Before the insured eventWe understand our clients. We work with the client before and after the conclusion of the insurance contract. We are in contact with the insureds and brokers, not only after the occurrence, but also before it. Each of our clients and their broker has direct access to the person responsible for the claim settlement. We are always ready to explain how claims handling and settlement is conducted.

After the insured eventWe are professionals in claim settlement. In the case of either a small or catastrophic loss, we provide our clients with expert support. We also carry out the settlement process thoroughly, with strict fulfilment of the obligations undertaken under the contract, with full disclosure to the client, maintaining an open dialogue with them.

Our settlement procedures are completely transparent and focused on the prompt fulfilment of obligations, regardless of the amount of damage. We strive, not only to restore the insured’s material well-being and reduce the risks, but also to strengthen their reputation.

FeedbackThe Company uses a systematic approach to assess the quality of service during claims settlement. After payment of insurance compensation, the client receives an invitation to visit a specially designed website, leave feedback on the work of the claims settlement department, and offer recommendations for its improvement.

The response rate in case of an insured event occurrence:

Confirmation of notification about an insured event occurrence within 24 hours

Single point of contact throughout the insurance claim settlement cycle

Focus on a relationship of trust to achieve the desired result for the client and their business

Collaboration strategy in the settlement process to increase client satisfaction

AIG JSC is part of American International Group, Inc. (AIG). In Russia, the Company has been represented for more than 25 years, has a financial stability rating ruAA+ (Expert RA).American International Group, Inc. (AIG) is the world leader in the insurance market. The Company was founded in 1919 and has offices in more than 80 countries. Today AIG offers a wide range of property and casualty insurance programs, life insurance, pension and mortgage insurance, as well as other financial services. AIG helps both legal entities and individuals to protect their assets, manage risk and create pension savings. Ordinary shares of AIG are traded at the New York and Tokyo stock exchanges.For more details visit the website of AIG in Russia: www.aig.ruJoin us on Facebook AIG.Russia and Twitter @AIG_Russia Additional information about American International Group, Inc. (AIG): www.aig.com,www.aig.com/strategyupdate | YouTube: www.youtube.com/aig | Twitter: @AIGinsurance | LinkedIn: www.linkedin.com/company/aigLicenses of the Central Bank of the Russian Federation, SL No. 3947, SI No. 3947, OS No. 3947-04, PS No. 3947, dated April 12, 2017.

© 2020 American International Group Inc. All rights reserved

aig.ru

aig.russia

8 800 700 8950 + 7 495 935 8950

[email protected]

welcome to aig · aig is one of the world’s largest insurance companies, with more than 46,000...

Documents