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We specifically construct programmes and offer cover for risks that are not traditionally covered by the insurance market, such as brand protection, the decommissioning of oil rigs and lottery transactions.


Brand Protection (e.g. beverage manufacturer affected by product contamination)

  • Protects the insured against financial losses that can result from actual and alleged contamination of the insured’s product, whether accidental or malicious.
  • Offers a multi-year solution with stable pricing over the entire policy period.
  • Enables the insured to have significant involvement in terms of managing the crisis.

Non-damage Business Interruption

  • Provides insurance cover for business interruption losses which are not the result of direct physical damage.
  • Combines client funding over time with risk transfer capacity from AIG.

Lottery Transactions

  • Potential cash flow benefits for Lottery Provider.
  • Stochastic analysis and pricing expertise.
  • Stability of price and coverage through multi-year policies.
  • Evidence of insurance (for commercial or regulatory purposes).

Who is it for?

Large corporate clients and financial institutions facing new non-traditional risks.



Evolving Risks policies are short-term products and are underwritten by AIG South Africa Limited, FSP No: 15805