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GLOBALSPECIALTYLINESGLOBALExPErTISEdELIvErEdLOCALLY. RSAisoneoftheworldsleadingmultinationalquotedinsurancegroups.Theservicesthatweprovidetodayarefoundedonanunrivalledheritagestretchingbackover300years.WeuseallofourexperiencetogetherwithourtechnicalexpertiseandGlobalNetworktosupportourcustomersacrosstheglobe.Ourapproachistounderstandourcustomersbusinessesinsideoutandbacktofront.Thisenablesustotrulymeettheirneedsateverytouchpoint.Ourgoalistoprovidesustainableproftableperformance.Somethingthatourtrackrecordshowswedoconsistentlyforourcustomerswhatevertheirshapeandsizeandwherevertheyoperate.HErITAGEFTSE100listedgeneralinsurerandleadingproviderofcommercialinsuranceformorethan300years.FINANCIALSTABILITYStrongperformanceintougheconomicconditions.FINANCIALPErFOrmANCENetpremiumsof8.4bnup9in2012.STrONGPOrTFOLIORobustbusinessesUKWesternEuropeCanadaScandinaviaLATAMandAME.SCALE20millioncustomersinmorethan150territoriesmorethan23000employees.mArkET-LEAdINGuNdErwrITINGStrongreputationfortechnicalexcellence.CrEdITrATINGRSAisfnanciallystrong.SPAMoodysA2COrPOrATESOCIALrESPONSIBILITYThefrstcarbonneutralinsurer.CuSTOmErLEdSErvICEdELIvErYKnowledgeandunderstandingofcustomerneedtailorsourservice.INTrOduCINGrSA AtRSAweareproudofourhertageandgloalreputatonfordelverngmarket-leadngnsurancesolutons.Wearecommttedtokeepngourcustomersmovngthroughnnovatveproductsandservcestaloredtotherusnessneeds.OurGloalSpecaltLnesusnessprovdesnternatonalexpertseatalocallevel.Wecreateastrongcohesvesolutontomanageourcustomersrskseffectvelandwhensomethngdoesgowrongwearethere.NEILLIGHTBOwNGLObALSPECiALTyLiNESDiRECTORwELCOmErSAHASASTrONGANdwELL-BALANCEdPOrTFOLIOwITHmAJOrOPErATIONSACrOSSTHEGLOBE. ACCESSTOkEYSTAkEHOLdErSmAkESITEASYFOrOurCuSTOmErSTOGETwHATTHEYNEEd. RSAGlobalSpecaltyLnessupportsthensuranceneedsoflargerskmanagedandspecalstbusnessesworldwde.Ourcustomersbenetfrombespokemultinationalinsuranceprogrammesdelverngstabltyandconsstencyncoverwhleensurngcomplancewthlocalterrtoralregulatons.itsourapproachthatstandsusapart.Welstentoourcustomersgettngtoknowthemtherbusnessesandtherneeds.Onlywththsunderstandngcanweprovdesolutonsthattrulymeettherndvdualrequrements.Ourpeopleareourstrength.WehaveexperencedUnderwrtersacrossallndustreswthexpertsencomplexnon-conventonalarrangementsandwebrngtogetherawderangeofnsuranceexpertstodelverapeerlesscustomerproposton.COrEGLOBALCAPABILITIESStrengthandreputationCapacityandriskappetiteTechnicalunderwritingexpertiseReachthroughourGlobalNetworkDeepsectorexpertiseRelationshipcollaborativemanagementClaimsandoperations.SPECIALISmSMarineRiskManagedbusinessConstructionEngineeringRenewableEnergy.INTrOduCINGGLOBALSPECIALTYLINES GLOBALFOOTPrINTuNITEdSTATESmGAOurUSlicensedproducerafliatecanarrangecoveragewthUSlcensednsurers.LArGESTCANADAWearethelargestMarnensurerandthethrdlargestgeneralnsureroverall.NO.1LATiNAMERiCAWeareNo.1nChle.LEAdINGbRAZiLWearealeadngMarneinsurer.NO.2iRELANDWearetheNo.2generalnsurernirelandwthmarket-leadngmdtolargecommercalpropostons.TheRSAportfoloofusnesssroustandwellalanced.WedvdeourusnessesntosxregonsgloallyUKWesternEuropeScandnavaCanadaLatnAmercaAsaandCentralEasternEuropeandMddleEast. CorsicaFrenchislandMaltaGibraltarNO.1bALTiCSWearetheNo.1generalnsureracrossthebaltcs.4THFASTESTiNDiAWearethe4thfastestgrownggeneralnsurernthemarket.LEAdINGMiDDLEEASTRSAMddleEasthaswonGeneralinsureroftheyearforthreeconsecutveears.3rdLArGESTSCANDiNAViAWearethethrdlargestnsurernDenmarkandSweden.LArGESTUKWearethelargestCommercalLnesnsureroverallandaleadngMarneandPropertnsurer.LEAdINGCONTiNENTALEUROPEOurfootprintincludesofcesinFranceSpantheNetherlandsGermanitalandbelgum. rISkmANAGEdBuSINESSCOMPLEXMADEEASy.PAuLGrEENSmITHGLObALDiRECTORWelstentoourcustomersandtheradvsersandworkwththemtodevelopsolutonsthatmeettherndvdualneeds.Ourambitionistobuildlong-termmutuallybenecialpartnershipswithourcustomers.RSARskManagedsan800mGWPmultnatonalusnessdelverngpropertandcasualtproductsforlargeandcomplexcommercalcustomerstpcallthosewthaturnovernexcessof100m.Whlethesecompanesfrequentlhavesmlarnsurancecoverneedseachhastherownunderwrtngrskmanagementandservcerequrements.Weworkwthourcustomersonpractcalrskmprovementmeasuresandprogrammestomnmseothhghfrequencandlargencdents.Ourphlosophstokeepusnessesmovng.Welookforpractcalcost-effectvesolutonstocomplementourcustomersexstngrskmanagementcultures.Wedelverthesesolutonsthroughstrongtrparttepartnershpsdevelopngtrustreliabilityandunderstandingforthebenetofall.WeofferespokesolutonsforcustomersnaroadrangeofindustrieswithspecicexpertiseinmArINESEVENSEASONETEAMOFGLObALEXPERTS.rICHArdTurNErGLObALDiRECTOROurMarneusnesswasthefoundatonofRSAandremansakepartofwhowearetoda.WeprovdegloalcoveragetofullawidebreadthofMarineinsuranceneedswhateveryourlocalrequrementournternatonalexpertsareestplacedtodelverthesoluton.RSAsaworld-leadngMarnensurerhavngwrttenMarnensuranceforover300ears.Weprovdeawderangeoftaloredcoverandrskmanagementsolutonsforalltpesofrsksfromthesmallestandsmplesttothelargestandmostcomplex.OurproductscoverallmanstreamMarneclassesncludngCargoHullFreightLiabilityConstructionLiabilityGoodsinTransitPortsandTerminalsMarineTradesYachtsAquaculture.OurspecalstknowledgespansthegloewththerghtpeoplentherghtplacesexperencednallthngsMarne.INTrOduCINGOurSPECIALTIESBusinessandProfessionalServcesChemicalsandPetrochemcalsCommercialandRetailRealEstateEducationalInstitutionsFashionFarmsFinancialInstitutionsFoodandBeverageHealthcareHospitalityLogisticsandWarehousingLightandHeavyManufacturngMiningRetailandWholesaleSteelTelecommunicationsTransportation. CONSTruCTIONENGINEErINGANdrENEwABLEENErGYUNDERWRiTiNGPROGRESS.STEvEkINGSHOTTGLObALDiRECTORWeareamarket-leadngnsurerntheConstructonEngneerngandRenewaleEnergsectorhavngprovdedspecalstnsurancesolutonssncethendustralrevoluton.Wearestllnnovatngtodaandnsurecomplexrsksonagloalscalefrommajortransportatonnfrastructuretooffshorewndenergprojects.CONSTRUCTiONANDENGiNEERiNGRSAsamarketleadernConstructonandEngneerngdelverngspecalstnsuranceandrskmanagementthroughourteamof200dedicatedConstructionandEngineeringexpertsin30ofcesaroundtheworld.OurservcesprotectavaretofConstructonandEngneerngdscplnesncludngconstructonfacltesmanagementengneerngdesgnandmanufacturngfromntalplannngrghtthroughtoconstructonanddevelopment.Andwecancovereverthngfromsmallforklfttruckstomajortransportnfrastructures.RENEWAbLEENERGybuldngonourexperencenConstructonandEngneerngwehaveecomeoneoftheworldsleadngnsurersoftheRenewaleEnergndustrwthmarket-leadngpostonsnmancountresworldwde.Weprovdecoverspannngthefullcustomerexperencefromtheearlshpmentofmateralsrghtthroughtotheconstructonphasesandontotheprovsonofafullnsurancesolutonfortheoperatonallfeoftheusnessandtsfacltes.RSAspecalstteamsoperatenanumerofRenewaleEnergtechnologesncludngWindenergyOnshoreandOffshoreSolarenergyPhotovoltaicsConcentratedandThermalnstallatonsHydroBioenergyBiomassBiogasandWastetoEnergyplantsWaveandtidal.AllofourservcesarecontrolledanddelveredannternatonalteamofRenewaleEnergUnderwrterswhohaveover600earsofcomnedexperenceprovdngunrvalledexpertseacrossthegloe. wOrkINGCENTrALLYANdLOCALLYTOdELIvErCONSISTENTLYHIGHLEvELSOFSErvICE. TheRSAGlobalNetworkisoneofthelargestintheinsuranceindustryprovidinginsuranceandriskmanagementsolutionsinover150countriesandterritories.Throughourcoreoperationsandnetworkpartnerswecombineglobalcoveragewithlocalknowledgeandexcellentserviceforthebenetofourcustomers.OurextensiveglobalknowledgeandresourcescanbeeasilyaccessedlocallyprovidingAdeepunderstandingofindividuallocalmarketlawsfromtaxtolegalmattersandlesstangibleaspectssuchascommercialandculturalpracticesEfcientandtransparentcross-bordertransactionsandcashowmanagementUnderwritingpolicyissuanceclaimshandlingandriskengineeringinlocallanguageUp-to-datepremiumandclaimsdatagivingyoubettercontrolovercoverageandcashowaroundtheworldProactiveandcontinuedmonitoringofourunderwritingandclaimsservicestandardsallowingustomovequicklytoresolveissues.GLOBALNETwOrk FrOmwINdFArmSTOINFrASTruCTurEANdPOrTSTOOCEANLINErSwEHAvETHErIGHTExPErTISEFOrYOu. Wehaveexpertsfrommanysectorsandgiveourcustomersaccesstotheestpeopletheindustryhastooffer.WhenchoosingRSAwematchyourusinesswithrelevantexpertswhohaveadeepunderstandingofyourusinessandtherightskillsandexperiencetodeliveratailoredsolutionthatmeetsyourneeds.OurcommonframeworkisuiltaroundourstrongtechnicalexpertiseinPricingUnderwritingRiskManagementRelationshipManagementOperationsandClaims.PrICINGRSApricingusesdetaileddataalongwithcustomerandindividualriskknowledgetoprovideconsistencyatalltimesMethodsandmodelsdevelopedacrossthegroupforalllinesofusinessandspecialismsdeliverlastingandsustainalepricingforourcustomers.uNdErwrITINGOurteamofover1200commercialUnderwritersisexperiencedinallsectorswithexpertiseincomplexgloalnon-conventionalarrangementsRSAUnderwritershavetheauthoritytomaketherightdealsprovidingespokecoverageandstructuretomeetspecicrequirementsOurlongevityintheinsurancemarketmeanswehaveanunrivalledunderstandingofrisksforallusinesstypes.rISkmANAGEmENTRSAhasaproactiveapproachofriskmanagementandwedoallthatwecantoimproveourcustomersriskexposuresandminimiselargelosses.byworkingtogetherwithcustomersandrokersweidentifyandassessrisksanduseallourexperiencetouildacustomisedandcomprehensiveriskimprovementprogramme.Thisinturnhelpstoreducepremiums.OurRiskManagementservicesincludeFullsurveysandauditsPropertyandBusinessInterruptionassessmentsMarineLiabilityLiabilityandFleetManagementprogrammesProjectreviewsPostlossriskevaluationsBusinessContinuityManagementBenchmarkingagainstothersintheindustry.AsanRSAcustomeryoubenetfromtheknow-howofourlargeteamofconsultantswhoareRiskEngineeringandRiskControlspecialistswithexpertiseacrossavastspectrumofindustries.rELATIONSHIPmANAGEmENTWeinvesttimetounderstandourcustomersbusinessesWiththisunderstandingwetailorsolutionsbasedoneachcustomersspecicneedsRegularcustomerandbrokercontactensuresweareonhandtohelpasissuesariseidentifyopportunitiesandshareexpertiseandopinionsAllcustomersreceiveregularcommunicationsregardingdevelopmentswithinRSAindustrynewsandtechnicalulletinstokeepthemuptodate.SECTOrANdTECHNICALExPErTISE CLAImSOurClaimspropositionprovidesaservicetailoredtotheneedsofeachandeverycustomer.Wetakeapartnershipapproachandgainanin-depthunderstandingofourcustomersandtheirbusinessneeds.Measurablebenetsaredeliveredthroughspeedofactiontimelysettlementstechnicalexcellenceandinnovativesolutions.Throughouttheusinessweemployinexcessof4000claimsprofessionalswithover1000dedicatedtoourGloalSpecialtyLinesbusiness.Aconsistentlyhighlevelofserviceisassuredyoperatingthesamecontrolsandcapailityacrossthegloewithregionalclaimsexpertiseprovidinglocalmarketknow-how.RSAClaimsteamshaveextensiveknowledgeandexperienceinalltypesofsectorsandtheirailitytodealwithlargeandcomplexlossesisunmatchedinthemarketplace.Experiencedclaimshandlersarealignedtousinesssectorsthatcomplimenttheirexpertisewithsomemajorcustomershavingteamsofhandlersallocatedexclusivelytothem.Wedeliverquantiablereductionsintotalclaimscostsforourcustomersthroughaccuratereservingandsettlementwithoutcompromisingonservice.OPErATIONSProactiveprogrammemanagementensureswemaintainastrongfocusonthequalityofwhatwedoanduildonourreputationforconsistentdeliveryofresultsforourcustomersWeuseestablishedbestpracticeprocessesthroughourproducingandservicingexpertiseacrossourGloalNetworktoprovideconsistentlyhighstandardsineverythingwedoStronginternalcontrolsdeliverpolicydocumentationpremiumcollectionandcaptivecashowtoagreedtimescales. wHErEvErINTHEwOrLdYOurBuSINESSOPErATESOurPEOPLEArETHErETOO. Formoreinformationvisitwww.gsl.rsagroup.comRoyalSunAllanceinsuranceplc.No.93792.RegsterednEnglandandWalesatSt.MarksCourtChartWayHorshamWestSussexRH121XLAuthorsedandRegulatedbytheFnancalServcesAuthorty.UKC046710413