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Producers, importers and distributors of alcoholic beverages in the normal course of business may be faced with claims from their customers regarding the quality of their products. Producers’ liability insurance  provides protection against liability for damage to the life, health or property of any third party (including any incidental or consequential damages) caused by any of their products.

Standard insurance coverage extends to third party liability and legal costs, while optional additional coverage includes insurance against product recalls.

The combination of alcoholic beverage manufacturers’ liability insurance and product recall insurance is a high-quality and necessary insurance product. If the owners of a food manufacturer value their reputation, life and health, as well as the trust of consumers, if they aim to develop their business in the long term and are willing to take responsibility for their “sign of quality” in the international arena, then getting this type of insurance coverage is essential to their corporate culture. 

Advantages of the program for customers:

  • Full insurance protection (covers the expenses of the policyholder and third parties)
  • The only product recall insurance product available in Russia
  • Coverage includes the cost of the recall to the insured and its partners (with a sublimit)
  • A AIG policy can cover claims asserted by third parties in the jurisdictions of the United States and Canada
  • You can work with RQA or Edelman, internationally renowned consultants in the field of  product recalls.

Alcoholic beverage manufacturing industry insurance can be critical in gaining an additional competitive advantage in this dynamic industry. 

In addition to the program for alcoholic beverage manufacturers already described, AIG offers property, machinery and equipment insurance, business interruption insurance, cargo and freight insurance, and Compulsory Liability Insurance of Owners of Hazardous Facilities  

All Risk Property Insurance

All-risk corporate property insurance is the best way to protect property against a multitude of adverse events. The client is insured against any type of events, except for exclusions specified in the policy. The list of exclusions is governed by the insurance rules and the policy.

Cargo Insurance

The steadily growing international trade volumes and the increasing number of companies tapping into the global market require the cargo owners’ scrupulous attention not only to the scope of coverage, but also to the quality of services rendered by an insurance company. In cargo insurance, the quality of claims settlement is the key indicator of the insurer’s performance.

CyberEdge Insurance

Cyber threats can have serious consequences. Risks range from loss of information on a single laptop to threats posed by cloud computing. Businesses may also face issues regarding denial of service or defacement and disruption to their web presence.

Directors and Officers Liability Insurance

AIG is the D&O market leader in Russia, having unrivalled experience in this field/ •Any breach of duties, mismanagement, negligence, omission, error, misstatement or misleading statement by the director or any officer. Coverage against: •Any actions performed by the director as part of his or her regularly assigned duties •Any duties performed by the director or any other officer while serving at an outside entity

Employer's Liability Insurance

Employers liability insurance against damage suffered by employees. Employer’s liability insurance protects the property interests of the employer against claims of bodily injury, fatal illness or illness of employees as well as property damage to employees in the course of performing their duties under an employment

Fire & Named Perils Insurance

Insurance of property owned by legal entities is a basic type of insurance. Nevertheless, long-time experience of AIG in property insurance makes us confident in our services and programs offered to clients with consideration for all details of their business and specifics of their assets.

Liability Insurance of Owners of Hazardous Facilities

Liability Insurance of Owners of Hazardous Facilities. AIG, JSC is a member of the National Union of Liability Insurers. AIG, JSC was granted a license for the provision of compulsory liability insurance to owners of hazardous facilities. Our underwriters are ready to consult on and assist in concluding compulsory liability insurance contracts

Loss Control Services

Fire, explosion and other perils such as water damage, windstorm and earthquake can cause serious property damage. These events pose a threat to structures, equipment, business continuity, and, most importantly, the lives of employees and the general public. Property site inspections by insurers are routinely conducted as part of insurance programs.

Terrorism Insurance

AIG offers insurance of property against the risk of Terrorism. Our capacities allow underwriting insurance against the largest risks with the benefit of reinsurance on the international market. Besides traditional types of insurance, AIG offers special types of insurance in Russia such as against crisis situations. AIG CJSC offers terrorism insurance under a separate classification. AIG insures property against terrorism.

Business Interruption Insurance

Business interruption insurance is not sold as a standalone policy. It can be added to a property insurance policy. The main objective of coverage is to protect the financial stability of the client during the suspension of business operations resulting from any unforeseeable property damage.

Crime Insurance

It can be hard to accept that your own staff might be stealing from you. Unfortunately, the truth is that it may be the most trusted and senior staff who have the knowledge to skirt round security and set up insidious, well-concealed fraud systems.

Damage to Machinery

The insurance covers internal damage of production and electronic machinery. Extra Expense coverage (clean-up and removal of debris after the insured event, the payment service provider of professional experts, limiting In/Out, etc.).

Directors Liability Insurance SME

Directors and Officers (D&O) insurance provides coverage to small and medium business leaders against claims made against its directors and officers as well as against the company in connection with financial losses alleged by: •Companies •Shareholders, employees •Other third parties (including competitors’ clients, etc.)

Liability for Environmental Pollution and Associated Damages

AIG offers a comprehensive insurance product that supports the insured’s property interests associated with injury to the environment and losses resulting from such pollution

General Liability Insurance

This type of insurance protects the insured’s property interests connected with its obligations arising due to infliction of harm to third parties

Liability Insurance for Producers and Contractors and Service Providers

Insurance of general civil liability for the goods produced, work performed, services rendered. Liability Insurance for Producers, Contractors and Service Providers

Product Recall Insurance

AIG insurance services: product recall insurance: protecting the company against financial losses. If your company is not insured, a product recall can bankrupt you or adversely affect your business in the future.