Alliance Insurance

1. Aviation and Aerospace With liberalization, the Aviation Industry in India has undergone a rapid transformation and is poised for significant growth over the next few years, both in terms of aviation infrastructure and aircrafts. Aviation insurance policies are complex and purchasing one "off the shelf" is risky. The unique risk profiles in Aviation and Aerospace demand exceptional insurance knowledge and broking skills of the industry. As a composite broker, Alliance enjoys the flexibility of working with both domestic and overseas insurance markets. We follow risk management practices with intimate knowledge of the global aviation insurance underwriting marketplace. We maintain an intelligence gathering network with our counterparts in other major market areas, keeping us informed of all developments in the aviation insurance industry as well as regulatory and legislative areas. With our innovative thinking, we travel against the tide to create new trends to benefit each individual customer. For Example, Alliance has been a pioneer in Aviation with exceptional insurance knowledge and understanding of industry and claims. We are the first to offer individual pilots a Sum Insured Limit of INR 1.00 crore. We are associated with the leading pilot associations in India and operate a highly successful Loss of License program insuring more than 300 individual pilots across the country. Products and Services All Risks Hull, Spares, Passenger and Third-Party Liability Hull War War, Hijacking and Other Perils Liability Deductible Insurance Products Liability Satellites (Pre-Launch) Launch and In-Orbit Life, (Physical Loss, Damage or Failure) Loss of License, & Personal Accident Non-Aviation related insurance covers Airlines Aerospace Infrastructure Major Carriers & Start Up Airlines National / Flag Carriers Low Cost Carriers Regional Operators Cargo Operations General Aviation Major Part Manufacturers Aviation Suppliers Ground Handlers / Caterers MRO's Airports / airport authorities Drones / UAV’s Space Fixed & Rotor Wing Operators Airports / Helipads Flights Training Schools / Simulators Balloons / Gliders Satellite Owners & Operators Satellite Manufacturers Launch Service Providers Launch Vehicle Providers

2. Banks, Cash Management and Financial Institutions With the opening up of the Indian economy, exposures to international financial markets and introduction of new products and services, the Indian financial sector has traversed an impressive growth path. This transformation has led to high risk exposures within the industry, be it financial, legal or operational. Alliance provides structured insurance solutions and risk management services to all its clients in this sector. With increased competition, introduction of schematic products under highly regulated environment increases the complexity of risk management. Insurance solutions are to be structured to provide optimal coverage to Banks and Financial Institutions. The need of the hour is to have an innovative approach in identifying and covering the risks. Banks & Financial Institutions should maximize the possibilities of de-risking their exposures with an adequate insurance program to protect their balance sheet. Alliance ensures their clients are covered for the exposures it faces in its day to day activities at a reasonable cost. This would enable the client to focus and ensure smooth functioning of their core business activities. Our specialist Claims assistance team ensures complete client satisfaction. Products and Services Special Contingency Plans Credit Insurance and Political Risks Banker’s Indemnity Comprehensive Crime Cover Directors and Officers Liability Professional Indemnity Employee Benefit Programs ATMs All Risk Policy

3. Construction and Infrastructure Construction and Infrastructure Industry in India transformed itself from a conventional sector to a modern and more complex industry engineered with new innovative technologies which has fuelled India’s growth. The last decade has seen terrific boom in the Real estate sector with a construction boom across the country. But construction in itself is a complex and time taking process that involves meticulousness of planning, multi-tasking, engineering, architectural precision and many other allied activities, each one of which comes with its own unforeseen challenges and risk profiles. Construction insurance is therefore a manifold, complex operation, like the construction industry itself. Construction & Infrastructure complement each other. However, the scope of infrastructure isn’t just limited to the laying of roads and their maintenance, but extends to the science of town and city planning, the upkeep of public utilities and several other factors, making it a quagmire for associated risk and insurance wrangle. The exposures are related to express highway, sea links, viaducts (metro rails and roads), bridges etc., each of these having varied degree of risk exposure. Considering most infrastructure projects are always in the public eye and are of vital importance to the greater public good, for instance in the construction of roads, railways and other sensitive public utilities, the risk exposure can occur due to multiple factors such as - collapse of an under construction bridge / viaduct / tunnel, road construction related exposures like flooding and caving of roads due to seepage. Alliance team brings board solutions by analyzing the criticality of each of these sectors, the exposures associated with and providing a total risk management solution and risk transfer mechanism. Having an integrated approach towards designing covers for our various construction clients, we ensure that comprehensive coverage is provided to them with most competitive pricing. Products and Services Project Insurance (Contractors All Risk and Erection All Risk) Advance Loss of Profit / Loss of Profit due to delayed start-up Civil Engineering Completed Risk Marine Imports Employee Benefit Programs Liability Programs Commercial General Liability Directors and Officers Professional Indemnity

4. Manufacturing India is poised to become one of the world’s most productive Manufacturing hubs, having all the requisite skills in product, process and capital engineering. India’s expertise in various manufacturing sectors coupled with its skilled manpower is attracting the right companies to invest in the country, thus paving way for it to become a manufacturing powerhouse. The fact that the manufacturing sector isn’t a colloidal, homogeneous whole makes the task of insuring it a rather daunting one. Major exposures in manufacturing industries are process related which may lead to disruption of the entire production cycle, affecting not only the production process but also the revenues of the organization. Our dedicated risk management team on manufacturing sector brings in, end to end insurance solutions for all risk exposures. We extend necessary technical support in evaluating open exposures, risk mitigation and implementing risk management tools to reduce the nature of the risk. Alliance expertise on the coverage, pricing model and service delivery mechanism to suit specific requirement of individual corporate client is unmatched. Products and Services Industrial All Risk Standard Fire and Allied Perils and Loss of Profit Machinery Breakdown and Machinery Breakdown Loss of Profit Boiler Pressure plant Insurance Liability Insurance Credit Insurance Employee Benefit Programs

5. Media and Entertainment The Motion pictures business in India has certain unique aspects which pose challenges in front of those whose fortunes are linked with the industry. With over 3.5 billion film tickets sold and over 1,000 movies produced annually, India is, undoubtedly the largest film producing market in the world. The shelf life of a movie is short whereas the cost of producing and marketing it along with the financial risk associated with its success are very high. The business done in a traditional way exposes Producers, Distributors and Financers to undue risks. Marked already as the largest producer of motion pictures, India is poised to become a sizable producer of television programs as well. With Indian audiences clearly preferring locally produced program over foreign programs, the new television services are spending heavily on the development of indigenous programs. The stage is now set for India to develop into one of the world's largest and most competitive television and content exhibition market globally. With ever growing challenges and various unforeseen risks faced, Alliance has been able to design exclusive insurance programs and risk management strategies, specifically for Broadcasters and Exhibitors. Alliance is associated and having relationships with over 150 major corporate in the Media and Entertainment industry. We enjoy the lion’s share when it comes to placing Media and Entertainment related risk in the Indian market. We take the pride for being No.1 brokers in India when it comes to insuring Films and related risks. Our insurance services cater to all section of Media and Entertainment industry. The in-depth understanding of the Entertainment business and the risk involved makes us one of the finest Media and Entertainment Insurance brokers in the country. Products and Services Film Insurance / Production Insurance: covering the insured’s additional shooting expenditure caused due to unforeseen and insurable risk. Media Liability Insurance / Errors and Omission: protecting the insured from any liability lawsuit filed with regards to a copyrights infringement, defamation, title infringement etc. Distributors Loss of Revenue: post release policy covering the distributor’s loss of revenue due to unforeseen and insurable risk. Advance Paid to Stars Insurance: Indemnification towards the loss of advance paid to the stars / artists / key principals. Film Completion Bond: is a written contract that guarantees that a film will be delivered and finished on schedule and within budget. Commercial General Liability: protection against third party liability lawsuits for property damage and bodily injury. Exhibitors Loss of Revenue: post film release policy covers the Exhibitor’s Loss of Revenues due to unforeseen and insurable risk. Travel Insurance: comprehensive cover for crew members traveling abroad. Transmission failure.

6. Power and Energy Power and Energy sector is typically characterised as a complex and capital intensive industry having long gestation periods with adverse risk profiles. As it is a highly prioritised sector in terms of the development of an economy at large, it requires a great deal of focus and attention. As financial investments in these projects are huge, there is a need for critical analysis in minimising risk exposures during operation and construction phase. This sector also involves a lot of exposures which range from energy on-shore and offshore risks, energy liability risks, credit risks, construction risks and so on and hence the limits of liability at stake are also very high. In India Power / Energy projects are prone to delays due to geo-political compulsions and an insurance cover for such a risk can minimize the losses due to such delays. Alliance team of experts brings in comprehensive solution in designing suitable risk transfer mechanism and risk management to suit the specific need of the particular project or operational activities. We have the resources required to comprehend the exposures, analyze the gaps and map a pathway to fill-up the gaps. Products and Services Risk Mitigation Consulting Project Monitoring Property Insurance Construction Insurance Casualty Insurance Directors and Officers Liability Delay in Start-up and Advance loss of profit Credit Insurance

7. Private Customers’ Group Most high-net-worth individuals nowadays, are underinsured, over-targeted in litigation and dangerously exposed to risks that can profoundly jeopardize their lifestyle and rob their family of what they’ve worked so hard to achieve. The Private Customers’ Group is a specialized division of Alliance Insurance Brokers Pvt. Ltd. with an objective to provide the highest level of personalized service available to HNI clients for de-risking their life & lifestyle, signature assets, requiring customized insurance solutions. Whether you are an industrialist, actor, film personality, sports person or CEO of Company, our Private Customers’ Group redefines the relationship you will share with Alliance. Private Customers’ Group will provide you with a bespoke relationship team - your insurance concierge who possesses a thorough understanding of unique exposures associated with managing the risks related to custom - built homes and cottages, Private jets & Yachts, fine art collections, wine and other property collections. Our team members have a combined experience of 40 years in advising high net worth individuals and enjoy strong relationships with India’s leading underwriters of insurance for high Net-Worth individuals and families. We specialize in ensuring that your personal financial position is insulated from your business decisions and vice-versa while working with you to ensure that there is a seamless strategy put in place to ensure that business continuity is maintained while meeting personal wealth creation objectives. Private Customers’ Group gives you the best of real world solutions you need to protect your life & hard earned lifestyle assets. Products and Services Home Coverage: Promises to replace your home and other structures on your property in the event of a total loss. Art & Artifacts: Obtain precise coverage for fine art, wine, jewelry, antiques and other collectibles. Yachts & Water Crafts: Get comprehensive insurance for super yachts, small boats and everything in between. Kidnap & Ransom Coverage: coverage for monies paid to kidnappers or extortionists, loss of ransom in transit, and other expenses incurred as a result of a kidnaping. Travel Coverage: A year long Corporate travel policy, covering multiple destinations. Collateral Protection Coverage: Insuring you against outstanding liabilities. Key Person Insurance: Protecting company's valuation incase of death of a Key person. Automobile: Insure all your vehicles, including collector cars, on one policy at an affordable rate. Liability Cover: Ensure that your family is protected from claims of personal injury or property damage with high limits of personal excess liability insurance. World Wide Health Cover: Options to have planned operations / surgery abroad. Ring Fencing of Personal Assets: Protecting your family's lifestyle from any unforeseen business litigations / legal attachments.

8. Services Service sector is the lifeline for the socio economic growth of our country. It is today the largest and fastest growing sector globally, contributing the most to the global output. The real reason for the growth of the Service Sector is the increase in urbanization, privatization and more demand for intermediate and final consumer services. Availability of quality services is vital for the well being of the economy and raises the Standard of Living in the society. The activities under the purview of the Service Sector range from - Trading, Transportation & Communication, Financial, Real Estate & Business Services, Community, Social & Personal Services, IT & ITES services, Media & Entertainment and the list keeps increasing. Our dedicated risk management team on Services Industry always endeavors to bring customized solutions for all the risk exposures. We specialize in structuring comprehensive risk management programs depending on the nature of the service involved. Alliance capitalizes on its expertise in the Service Sector on various parameters like policy coverage, pricing model competitiveness and service level parameters. Products and Services Standard Fire & Allied Perils and Loss of Profit Liability Insurance Credit Insurance Employee Benefit Programs Miscellaneous Insurance Special Contingency Insurance

9. Specie (Diamonds and Jewellery) Diamonds, jewellery, precious stones, exquisite gems, precision timepieces, private collections and art … All of these in its many forms have a special appeal. For some it’s a business, for others a passion. And whether you’re dealing in the raw and/or refined, when it comes to risk, priceless pieces need great risk insurance solutions. We have wealth of knowledge, experience and global market relationships, supported by dedicated claims expertise. We achieve all this through a combination of four key elements:- 1. Specialist knowledge and skills. 2. Creative underwriting. 3. Autonomous decision making. 4. Local claims support. Together, we offer a diverse range of insurance solutions to meet the needs of the Specie related industries globally. We offer all the benefits of placing coverage with local &/or international markets with access to one of the largest networks in the insurance industry, giving us the ability to offer local documentation anywhere in the world our clients operate. This makes us one of India’s leading insurance brokers who not only understand this highly specialised area but also helps them in keeping these businesses moving forward. Alliance’s Specie Insurance team enables you to manage risk more effectively and economically, providing coverage that is based not on what the markets can do, but on your specific insurance needs. We look forward to helping our clients with an insurance service that makes a real difference to their risk management strategies. Products and Services Jewellers Block Insurance Standalone Terrorism Insurance Exhibition Insurance Credit Insurance Fine Art Insurance Fire and Allied Perils Insurance Marine Imports and Exports Employee Benefit Programs Management Liability Professional Indemnity Cyber Crime Cover

10. Sports and Events In the current economic scenario, where different forays of business are gauging increasing importance, amongst these is the Sports sector which is portraying its vibrancy and exhilaration. World over, Sports has always been one of the areas of interest for the masses - be it cricket, soccer, golf, tennis to name a few, but the contingencies attached to it are also becoming known. The commercial aspect of the unknown factor involves high economic value which could be adverse and the same can be shielded by way of insurance. A sporting event like an Indian Premier League (IPL) can be hampered by adverse weather conditions leading to cancellation of the matches or a FIFA World Cup could be affected by a terrorist attack and so on. All these uncertainties can be covered by way of a Comprehensive Sports Insurance Cover. Broadcasters of live events carry high risks as huge revenues are at stake. Designing structured insurance solutions depending on the various exposures of the associated entities is the need of the hour. Alliance has tremendous in-house expertise in the Sports & Events sector on various sports structured solutions. Having mentioned that, Alliance is the first broker in the country to structure covers like “Player Loss of Fees” and “Player Bonus” insurance covers which have helped in minimizing high risks associated to this line of business. Products and Services Event Cancellation Insurance for: Broadcasters: Television broadcasters have huge ad revenues at stake which can be disturbed due to any interruption in the telecast of a live game. Event Organizers & Sporting Entities: Any economic strain on the revenue generating opportunities due to unforeseen events which is beyond the control of the organizers can be covered under Event Cancellation Insurance. Player Loss of Fees Insurance: In an event if a player suffers an injury and is unable to play the game, the financial losses in terms of payment of contractual fees can be well taken care by availing a Player Loss of Fees Insurance Cover. Players Bonus / Prize Indemnity: Having achieved a particular level in the game and pre-decided prior to the commencement of the game can be covered under Player Bonus Insurances. This can be well used as a promotional activity with a motivational element attached to it. Standalone Terrorism Insurance Cover Personal Accident Insurance Medical Insurance Liability Insurance Travel Insurance