AIG vs 
Alliance Risk
Alliance Risk markets to technology companies and describes a technology E&O proposal process with risk-specific information and timing estimates. AIG describes commercial solutions across business sizes, but its public pages do not assign each size to a particular product or issuing company. 16,25,3
Introduction
For a technology company, Alliance Risk publishes a focused broker route, including a list of information for a technology E&O proposal; its stated turnaround times are estimates. AIG describes commercial solutions for small, middle-market and large businesses, but that broad scope does not identify the product or legal insurer for your risk. Before comparing prices, ask each intermediary which policy and insurer would respond to your company’s specific technology exposures. 25 3
The coverage table also lists an AIG Product Recall offer, but the cited flyer describes multinational cover for named segments; it does not establish an unrestricted U.S. standalone offer, issuer or account terms. Confirm that your product and territory fit the actual proposal. 12
Coverage Comparison
| Coverage | AIG | Alliance Risk |
|---|---|---|
| Builders risk | Listed AIG Builders Risk | Listed 24Alliance Risk arranges builders risk insurance. |
| Business owner’s policy | Not listed | Listed 24Alliance Risk arranges business owner’s policies. |
| Cargo and transit | Listed AIG Ocean Cargo | Listed 24Alliance Risk arranges inland and ocean marine coverage for goods in transit. |
| Commercial auto | Listed AIG Truck Insurance Group commercial auto (scoped to for-hire trucking) | Listed 24Alliance Risk arranges commercial auto insurance. |
| Commercial property | Listed AIG Commercial Property / Retail Property | Listed 24Alliance Risk arranges property insurance. |
| Crime | Listed AIG Crime Insurance / CrimeGuard Choice | Listed 24Alliance Risk arranges crime insurance. |
| Cyber liability | Listed AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct) | Listed 24Alliance Risk arranges cyber liability insurance. |
| Directors and officers | Listed AIG Directors & Officers Liability | Listed 24Alliance Risk arranges directors and officers liability insurance. |
| Employee health and benefits | Listed AIG Medical Indemnity supplemental group health benefit | Not listed |
| Employment practices liability | Listed AIG Employment Practices Liability Insurance | Listed 24Alliance Risk arranges employment practices liability insurance. |
| Equipment breakdown | Listed AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only. | Listed 24Alliance Risk arranges equipment breakdown insurance. |
| Fidelity bonds | Listed AIG Crime and Fidelity product page; line membership is based on the named fidelity/bond product family, not a specific bond form. | Not listed |
| Fiduciary liability | Listed AIG Fiduciary Liability Insurance / Fiduciary Edge | Listed 24Alliance Risk arranges fiduciary liability insurance. |
| General liability | Listed AIG Programs general liability (three separate program scopes) | Listed 24Alliance Risk arranges general liability insurance. |
| Hired and non-owned auto | Listed AIG Manufactured Housing Program lists hired and non-owned auto for that program; this does not establish a standalone broad HNOA product. | Not listed |
| Intellectual property | Not listed | Listed 16Alliance Risk arranges intellectual-property insurance for technology businesses. |
| Key person | Not listed | Listed 24Alliance Risk arranges key person insurance. |
| Kidnap and ransom | Listed AIG CrisiSolution K&R and extortion | Not listed |
| Liquor liability | Listed AIG Programs lists liquor liability among coverages it may develop in client-specific programs; no general standalone product or universal program availability implied. | Listed 24Alliance Risk arranges liquor liability for businesses serving or selling alcohol. |
| Management liability | Listed AIG Programs Management Liability for private and non-profit companies with revenue up to $50 million; listed components are D&O, EPL and fiduciary liability. | Listed 26Alliance Risk advises on management-liability packages and standalone options. |
| Media liability | Listed AIG Media Content and Publishers & Broadcasters liability (distinct descriptions) | Listed 24Alliance Risk arranges media and advertising liability insurance. |
| Product liability | Listed AIG Aviation Product Liability | Listed 24Alliance Risk arranges product liability insurance. |
| Product recall | Listed 12AIG Multinational and Talbot market multinational Product Recall Insurance for named component-part, consumer-goods/topical/consumer-health and finished-goods segments; not an unrestricted U.S. standalone product, and the flyer does not resolve a specific policy issuer, account terms or jurisdiction-specific availability. | Listed 24Alliance Risk arranges product recall insurance. |
| Professional errors and omissions (E&O) | Listed AIG entity-based Professional Liability / Specialty Professional E&O | Listed 24Alliance Risk arranges professional liability insurance. |
| Representations and warranties | Listed AIG Representations & Warranties Insurance | Not listed |
| Technology errors and omissions (E&O) | Listed AIG Technology Services E&O; the page separately identifies coverage for technology-service performance errors or omissions. Membership only, not a detailed accepted Tech E&O offering. | Listed 24Alliance Risk arranges technology errors and omissions insurance. |
| Tools, equipment and inland marine | Listed AIG Inland Marine (Transportation & Logistics; Construction & Equipment) | Listed 24Alliance Risk arranges inland marine coverage for goods, tools and equipment in transit or off-site. |
| Trucking | Listed AIG Truck Insurance Group | Not listed |
| Umbrella and excess liability | Listed AIG Excess Casualty (lead umbrella and mid/high excess) | Listed 24Alliance Risk arranges umbrella and excess liability insurance. |
| Workers’ compensation | Listed AIG Workers’ Compensation options by distinct channel | Listed 24Alliance Risk arranges workers’ compensation insurance. |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
AIG
CarrierNo Spot Score
Assessment subject unavailable
Alliance Risk
BrokerBroker
5.8/ 10Assessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
Not enough ratings
Public review figures about AIG do not describe one comparable U.S. commercial-insurance population: Trustpilot and ConsumerAffairs mix products and countries, BBB includes corporate locations, and the NAIC issuer-specific search remains incomplete. NerdWallet directly reports more liability and property claims complaints than it expects for AIG’s size; its 2.5-star value is an editorial rating, not a consumer average.[1][2][3][6][5]
Read AIG reviewsAlliance Risk
Review Score
Not enough ratings
Alliance Risk has too little independent review evidence to judge its service. Ask for references from businesses like yours before choosing it.[1][2][3][4][5][6][7][8]
Read Alliance Risk reviewsKey Differences Between AIG and Alliance Risk
Customer Focus
AIG’s Surplus Lines section says its commercial insurance solutions serve small, middle-market, and large enterprises. The same section separately describes Lexington Casualty as an experienced excess-and-surplus-lines casualty provider; it does not explicitly assign all three customer-size segments to Lexington Casualty. 3Company-reported. AIG’s published Surplus Lines section; customer-size statement and Lexington Casualty description are adjacent but not explicitly attributed to the same business. This does not establish a provider-wide customer focus or product-specific issuer.
Technology businesses from pre-seed through public-company stages can ask Alliance Risk about coverage, including SaaS, hardware, fintech, healthtech and AI. 16Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.
Alliance Risk names technology sectors from SaaS and hardware to AI, while AIG’s size statement is broader and sits in its Surplus Lines materials. If you are an early-stage technology company, ask Alliance Risk which classes its markets will consider; ask an AIG broker to identify a specific product and confirm that its issuer accepts your industry, revenue and location. 16 3
Application and Timing
AIG lists a North America myAIG portal for brokers and agents to access loss runs, policy documents, applications, and tools, and a separate U.S. portal for producer appointment requests. The public pages do not establish that a business can complete an online purchase or bind coverage directly. 4Company-reported. Publicly listed North America broker/agent portal functions and U.S. producer appointment requests. Authenticated workflow and product-specific submission or binding steps were not reviewed.
To get a technology E&O proposal, prepare service details, revenue, employee count, major client contracts, current coverage, five-year claims history and customer concentration; Alliance Risk says it reviews the current program and approaches specialist insurers. 25Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.
Alliance Risk says its technology E&O review may require service details, revenue, major contracts, current coverage and five years of claims history; its timing varies by risk type. AIG’s listed portal supports broker and agent access but does not document the submission checklist or turnaround for a particular product. Build the renewal or launch calendar around confirmed underwriting steps rather than a general estimate. 25 21 4
Service and Claims
AIG lists its North America broker portal as a place for brokers and agents to access loss runs, policy documents, applications, and tools. The page does not explain how renewals are managed or promise renewal terms or timing. 4Company-reported. Public description of a North America broker/agent portal; authenticated functions and account-specific availability were not reviewed.
You can request a no-charge review of an existing technology E&O policy for gaps, retroactive dates and market alternatives; this is a described service, not proof of review quality. 25Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.
Alliance Risk offers a no-charge review of an existing technology E&O policy; that is a described service, not an independent assessment of its advice. AIG lists broker-facing document and loss-run tools. Ask both who will handle endorsements and renewal planning after placement, and who you contact if you need help with a claim. 25 4
AIG says insureds and brokers can report primary property or casualty claims online for Auto Liability, General Liability, Property, and Aerospace, attach documents, and track adjuster assignment and claim closure. AIG says options vary by line and country. 5Company-reported. AIG's stated IntelliRisk claim portal functions for named primary property/casualty lines. This does not describe every commercial line, claim outcome, or policy obligation.
Before buying, ask who receives and manages claims because the reviewed pages do not establish a dedicated reporting procedure or the scope of broker advocacy; privacy references to sharing information do not identify the claims contact. 23,22,19,18Not found in reviewed sources. Reviewed public service and legal pages on 2026-09-16; no customer portal was entered and no claim was submitted. No inference about claims quality or absence of support.
AIG describes online reporting for named property and casualty lines, with options varying by line and country. Alliance Risk’s reviewed pages do not establish a dedicated claims intake process or the scope of broker advocacy; that gap is not evidence that assistance is unavailable. Save the carrier’s notice instructions and ask the broker what help it provides during a claim. 5 23 22
What to Confirm in Quotes
- Which AIG product and legal insurer match your technology class, state and revenue? Which specialist markets would Alliance Risk approach, and what application details are required? 2 25
- Which service tasks and renewal dates does each broker handle, and what is an estimate versus a contractual turnaround? 21 4
- For a claim, who receives notice, what deadline applies, and what assistance will the producer provide? 5 22
Compare Services
What each provider documents about the services you may need
| Criteria | AIG | Alliance Risk |
|---|---|---|
| Customer focus | AIG’s Surplus Lines section says its commercial insurance solutions serve small, middle-market, and large enterprises. The same section separately describes Lexington Casualty as an experienced excess-and-surplus-lines casualty provider; it does not explicitly assign all three customer-size segments to Lexington Casualty. 3Company-reported. AIG’s published Surplus Lines section; customer-size statement and Lexington Casualty description are adjacent but not explicitly attributed to the same business. This does not establish a provider-wide customer focus or product-specific issuer. | Technology businesses from pre-seed through public-company stages can ask Alliance Risk about coverage, including SaaS, hardware, fintech, healthtech and AI. 16Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. |
| Application process | AIG lists a North America myAIG portal for brokers and agents to access loss runs, policy documents, applications, and tools, and a separate U.S. portal for producer appointment requests. The public pages do not establish that a business can complete an online purchase or bind coverage directly. 4Company-reported. Publicly listed North America broker/agent portal functions and U.S. producer appointment requests. Authenticated workflow and product-specific submission or binding steps were not reviewed. | You can request a no-obligation quote through a contact form, but it is only an initial inquiry, not a bindable offer; the form asks for your company, website, contact details and message. 21Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. To get a technology E&O proposal, prepare service details, revenue, employee count, major client contracts, current coverage, five-year claims history and customer concentration; Alliance Risk says it reviews the current program and approaches specialist insurers. 25Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. Build the quote schedule around your risk type: Alliance Risk advertises 24 hours generally, 48–72 hours for standard software risks and five to ten business days for hardware, fintech, healthtech and AI. These are company estimates, not deadlines. 21,16Conflicting sources. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. |
| Servicing and renewals | AIG lists its North America broker portal as a place for brokers and agents to access loss runs, policy documents, applications, and tools. The page does not explain how renewals are managed or promise renewal terms or timing. 4Company-reported. Public description of a North America broker/agent portal; authenticated functions and account-specific availability were not reviewed. | You can request a no-charge review of an existing technology E&O policy for gaps, retroactive dates and market alternatives; this is a described service, not proof of review quality. 25Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. If you need after-hours help, confirm the response commitment and renewal timetable: Alliance Risk advertises online access and 24/7 support, while its contact page lists weekday phone hours of 9am–6pm EST. 23,22Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. |
| Claims assistance | AIG says insureds and brokers can report primary property or casualty claims online for Auto Liability, General Liability, Property, and Aerospace, attach documents, and track adjuster assignment and claim closure. AIG says options vary by line and country. 5Company-reported. AIG's stated IntelliRisk claim portal functions for named primary property/casualty lines. This does not describe every commercial line, claim outcome, or policy obligation. | Before buying, ask who receives and manages claims because the reviewed pages do not establish a dedicated reporting procedure or the scope of broker advocacy; privacy references to sharing information do not identify the claims contact. 23,22,19,18Not found in reviewed sources. Reviewed public service and legal pages on 2026-09-16; no customer portal was entered and no claim was submitted. No inference about claims quality or absence of support. |
Related Reading
Sources
AIG Official Website
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Additional Legal Notices. AIG US; Notice to California and Massachusetts Applicants and Insureds; insurer table lines 246–327 and listing disclaimer line 329. Accessed 2026-09-29.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- AIG Login. AIG US; Brokers & Agents: myAIG Portal for North America, lines 71–76; U.S. Producer Appointment and Licensing, lines 100–104. Accessed 2026-09-28.
- IntelliRisk. AIG US; Help With Every Step of the Claim Process; primary property/casualty line list, portal functions, and line/country qualification, lines 267–279. Accessed 2026-09-28.
- Producer Compensation. AIG US; Broker and Independent Agent Compensation and 2024 U.S. scope, lines 242–246; commissions, contingent compensation, and reporting limitations, lines 251–269 and 299–310. Accessed 2026-09-28.
- AIG Programs Insurance. AIG US; AIG Programs overview/product breadth and package-or-monoline description, lines 242–279; specific Management Liability program for private/non-profit companies, line $50m revenue scope and D&O/EPL/Fiduciary lines, lines 499–509; Manufactured Housing program and hired/non-owned auto, lines 512–525; multi-line examples and nationwide location markers, HTML inspected 2026-09-29. Accessed 2026-09-29.
- Cyber Insurance - CyberEdge Cyber Liability Insurance. AIG US; AIG CyberEdge overview, product structures and line-specific services, lines 242–269; product identity/version descriptions reopened in the page’s CyberEdge/Plus/PC sections, HTML inspected 2026-09-29. Accessed 2026-09-29.
- Truck Insurance Group. AIG US; Product page states admitted auto liability, physical damage and general liability for small-to-mid-size for-hire trucking firms with heavy vehicle fleets 26,000+ lbs; predominant Class A/B CDL drivers, 11–250 power units, four years operating experience, select-broker route; lines 242–247. Accessed 2026-09-29.
- Professional Liability Insurance. AIG US; AIG E&O overview names public/private service providers and distinct Specialty Professional E&O, Technology Services, Media Content, Publishers and Broadcasters, and Manufacturers E&O scopes; lines 327–357; current HTML inspected 2026-09-29. Accessed 2026-09-29.
- Employment Practices Liability Insurance. AIG US; AIG EPL policy describes primary limits up to $25m, additional excess limits may be available, third-party discrimination/harassment in the described form, and availability on a combined basis with its private-company D&O form; lines 253–266, HTML inspected 2026-09-29. Accessed 2026-09-29.
- AIG Multinational Product Recall Summary Sheet. AIG US; Pages 1–2; page 1 describes the AIG Multinational and Talbot Underwriting collaboration and Product Recall Insurance for component-part manufacturers, consumer goods/topical and consumer health, and finished goods; page 2 footer version GB0748AR 0426 v3. Accessed 2026-09-29.
- AIG Medical Indemnity Insurance. AIG US; Official AIG Medical Indemnity product page; supplemental group/employer health benefit, plan options, administration and claims sections; issuer and state caveat as shown; HTML inspected 2026-09-29. Accessed 2026-09-29.
- AIG Aerospace & Aviation. AIG US; Official AIG Aerospace & Aviation page; Aviation Product Liability and Aircraft Products Application sections; page inspected 2026-09-29. Accessed 2026-09-29.
- Crime and Fidelity Insurance. AIG US; Official AIG crime page; crime products for commercial and governmental entities, distinguishes crime cover from financial institution bonds and names financial institutions as the latter audience; lines 242–278; HTML inspected 2026-09-29. Accessed 2026-09-29.
Alliance Risk Official Website
- Technology Insurance. Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
- About Us. Alliance Risk; Our Story. Accessed 2026-09-16.
- Terms & Conditions. Alliance Risk; Sections 1, 4, 5, 17 and 18; last updated October 30, 2024. Accessed 2026-09-16.
- Privacy Policy. Alliance Risk; Sections 1, 4, 5 and 13; revised October 30, 2024. Accessed 2026-09-16.
- Insurance Licenses. Alliance Risk; CA entry; site footer producer trade name and NPN. Accessed 2026-09-16.
- Get a Quote. Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
- Contact Us. Alliance Risk; Prefer to Call?; Talk to an Expert. Accessed 2026-09-16.
- All In One Insurance Risk Advisory to Protect Your Business. Alliance Risk; Why Us?; footer brokerage disclosure. Accessed 2026-09-16.
- Alliance Products. Alliance Risk; Coverages product cards, from Accountant Professional Liability through Wrap-Up Insurance. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together. Alliance Risk; Closing offer to recommend a package or standalone approach; three core lines. Accessed 2026-09-16.
