insured with love

About Asigest
To put passion into everything you do - this is our motto,
inspiring us over more than 15 years of business. Our experience
has taught us that innovative thinking and flexibility are the key
factors we need to master so that our clients expectations are
not only met but exceeded.
At Asigest we ensure that access to innovative solutions,
know-how and experience is available to all clients, all the time.
All our shareholders are active members of the Group and involved
with enthusiasm and passion in everyday client business.
Long term partnerships, trust and quick reaction to external
challenges are the core values on which our growth strategy has
always relied upon. And regardless of the insurance market
evolution, our focus was and will always be the client.

insured with love

Asigest in Romania

Why Asigest?

Asigest is one of the first Romanian

insurance brokerage companies,
established in 1994;

Head office located in Bucharest and

7 other offices in the main cities all over
the country (Timisoara, Cluj-Napoca,
Constanta, Craiova, Brasov, Piatra Neamt
and Bacau) ensures adequate territorial
coverage;

Unlike the insurance agents, representing specific insurance companies,

the insurance broker will always act on behalf of the client. The broker
is a completely independent consultant, whose main purpose is to find
and negotiate the best insurance deals for its clients.

Asigest currently service more than

300 corporate clients, both local and
international companies, acting in all
areas of industries, and more than
10.000 clients for personal lines;

A partnership with Asigest

guarantees:

Our clients have chosen

us also because:

> Efficiency: working with an insurance

broker significantly reduces or even
eliminates from the clients schedule
the time previously spent on dealing with
insurance matters;

> We have been one of the leaders of the

Romanian insurance brokerage market
for more than 15 years;

One of the market leaders for risk

management consultancy and insurance
broking, delivering innovative solutions
for a wide range of industries from
distribution and retail to construction
or aviation;
For more than 15 years, Asigest has been
a constant presence in Top 10 Romanian
Insurance Brokers, on a market which
currently consists of more than 500
brokerage companies; over the years,
our company experienced a sustainable
development due to high quality services
and a loyal portfolio of clients;
Turnover: over 6.500.000 RON | Mediated
premiums: over 39.500.000 RON (2009);
Asigest currently employs 37 people,
specialised in insurance brokerage
and risk management;

Asigest is founding member of Romanian

National Association of Insurance
Intermediaries and Consultants (UNSICAR),
being authorized by National Insurance
Supervisory Commission according
to current legislation;
Awards: The Special Award for the Quality
of Services (Xprimm Magazine 2006),
The Special Award for Sustainable
Development (Xprimm Magazine 2005);

Asigest Worldwide
Asigest Holding is an independent,
international group of insurance brokers
with headoffice Biella, Italy.
Through our young, professional and
multicultural 400 employed staff in
6 countries we are able to assist your
risk management and insurance needs
wherever your business is located.
4 | 5 ASIGEST BROKERS de Asigurare Reasigurare SA

To extend our coverage we are a partner of

UNIBA, the International Insurance Brokers
Association, able to cover 120 countries
with 3,500 highly qualified personnel.
We are a Lloyds of London correspondent
and we have also access to the major
world reinsurance facilities.

> Economy: the insurance broker will

find the best solution available on
the market, both in terms of costs and
quality of coverage. In addition to this,
our customers do not have a financial
obligation towards its broker. A brokers
involvement does not increase total
insurance costs on the contrary,
usually an insurance broker will reduce
insurance costs by approx. 15%, due to
its position and power of negotiation
on the market;

> We are a company large enough to provide

quality technical expertise for all classes
of risks, but local enough to understand
your specific needs;
> We are a broker focusing on fair long-term
client relationships and not on immediate
market-share or profit results;
> We offer expertise in all insurance lines,
up to date specialized market knowledge
and highly professional account teams,
empowered to provide timely service.

> Professionalism: at Asigest our philosophy

is a young and dynamic one, with a flexible
management team, responsive to fast
changes and focused on anticipating and
thoroughly analysing the clients needs.

insured with love

Our Partners
UNSICAR
UNSICAR was established in September 2000, as a result of the joint
effort of 12 companies acting as consultants and insurance brokers.
UNSICAR is a non-profit, non-governmental and non-political
professional organisation.
Apart from promoting the mediation activity within the insurance
market, UNSICAR mainly focuses on developing a professional
business environment, by creating standards of quality, ethical
principles and work procedures for the services delivered by its
members to their clients.
Asigest is founding member of UNSICAR.

UNIBA
UNIBA was set up in 1987, aiming to support co-operation between
international brokers through UNIBA network and through
partnerships with reinsurance brokers and Lloyds Syndicates.
UNIBA is an international network of independent brokers, acting as
a global platform which can be used not only to provide local service
to international clients with operations in various countries, but also
to provide its members with access to international insurance
markets. UNIBA is present in more than 120 countries worldwide.
Asigest is an affiliate member starting with 2000 and the exclusive
partner for Romania.

INSURANCE COMPANIES
Having in mind our clients needs and aiming to provide them
with a full range of insurance products, Asigest has established
partnerships with the main insurance companies acting on the
Romanian market. Also, through the international partners, Asigest
has unlimited access to external insurance placements and expertise.
Before entering a partnership with an insurer, we analyse not only
their position on the market and the price range, but also their
financial stability, reinsurance treaties, expertise and experience,
as well as their claims settlement history.

6 | 7 ASIGEST BROKERS de Asigurare Reasigurare SA

insured with love

Our Services

Insurance Products

Audit of the existing insurance contracts

Property Insurance

It is a known fact that the insurance contracts have their own,

extremely specialised language. Asigest professionally analyse
such contracts and provides the client with a report summarising
our conclusions on the quality of the existing insurance programme
and identifying the main perils which may have an impact on your
companys activity, together with recommendations for improving
the coverage and adjusting the costs accordingly.

Having a deep knowledge of the insurance market and access

to international expertise, we offer solutions for all aspects
related to assets and property, no matter the industry:

Professional consultancy
& Risk Management
At Asigest, we thoroughly analyse the risk profile of your company,
we provide you with different solutions and we support you in taking
the best decisions regarding the protection of your assets, liabilities
and your staff, both from the technical and financial point of view.

Placement of insurance policies

When negotiating and placing insurance contracts on the market,
Asigest acts solely on behalf of the clients, providing them with
updated information on the financial status of the insurers as
well as on the insurance wordings and conditions. By doing this,
we ensure that all our clients have access to our experience at any
point in time, whether this may be when signing the policy or
when a claim occurs.

Account handling
& contract administration
Using a data base especially designed for insurance contracts
management, we accurately inform our clients in a timely manner
on the situation of their installments or upcoming expiring policies.
We constantly follow up all the policies in order to be sure that they
follow the business dynamics of the client.

Claims handling
Having a specialised internal claims department, Asigest provides
consultancy upon claims, ensuring a fast and fair settlement of
the claim file, starting with the moment when the claim is brought
in and ending with payment of reimbursements.

8 | 9 ASIGEST BROKERS de Asigurare Reasigurare SA

> Material Damages to buildings and content;

> Loss of profit following business interruption;
> Terrorism;
> Contractors All Risk Insurance;
> Data and electronic equipment;
> Machinery and equipment;
> Goods in transit (cargo);
> Cultures and animals.

Liabilities
Beside the standard liability policies listed below, we can
adapt or create special liability policies, depending on the
activity carried by the client or for specific projects:
> General Third Party Liability;
> Tenants Liability;
> Employers Liability;
> Contractors Liability;
> Landlords Liability;
> Product Liability and Product Recall;
> Hotels and Innkeepers Liability;
> Professional Liabilies (Designers, Lawyers,
Medical Errors & Omissions etc.)
> Pollution and environmental liability.

Motor Insurance
Our specialised staff can offer consultancy regarding:
> Optimisation of insurance costs for motor hull (casco);
> Optimisation of the handling procedures for casco
and motor third party liability policies;
> Up-to-date regulatory amendments;
> Decreasing the costs triggered by auto maintenance
and time spent in repairing shops.

insured with love

Personal Insurance
Asigest will design a flexible insurance programme for your staff,
structuring tailor-made solutions for:
> Life insurance and investment plans;
> Accident Insurance;
> Medical Insurance;
> Travel Insurance;
> Private Pensions Insurance.

Special Risks
No matter the industry, difficulty or complexity, we can always
identify solutions for your special risks:
> Financial Risks and Credit Risks;
> Financial Institutions;
> Directors and Officers liability
> Marine;
> Aviation;
> Event and media liability;
> Political Risks;
> Fine arts and species;
> Money Insurance.

10 ASIGEST BROKERS de Asigurare Reasigurare SA

ASIGEST BROKER de
Asigurare Reasigurare SA
Louis Blanc 1, 011751, sector 1
Bucuresti, Romania
T. +40 21 230 41 54
T. +40 21 230 40 85
F. +40 21 230 41 79

Timisoara
Piata Victoriei 5, Sc. B, et. 1, Ap. 3,
300030 Timisoara, Jud. Timis
T. +40 256 200 111
F. +40 256 200 111

bucuresti@asigest.ro

timisoara@asigest.ro

Cluj-Napoca

Piatra Neamt

Petofi Sandor nr. 20,

400610 Cluj-Napoca, jud. Cluj
T. +40 264 593 707
F. +40 264 593 707

Fermelor nr. 5, bl. F5, parter, Ap. 32,

610145 Piatra Neamt, Jud. Neamt
T. +40 233 225 820
F. +40 233 225 820

cluj@asigest.ro

piatraneamt@asigest.ro

Brasov

Constanta

Vlahuta nr. 10 (in incinta ITC Ecoline),

500387 Brasov, Jud. Brasov
T. +40 268 546 137
F. +40 268 546 137

Ciprian Porumbescu nr. 24,

900539 Constanta, Jud. Constanta
T. +40 241 547 981
F. +40 241 547 981

brasov@asigest.ro

constanta@asigest.ro

Asigest Holding
12 | PBMember
ASIGESTofBROKERS
de Asigurare Reasigurare SA