AIG vs 
Alliance Risk: How Do They Compare for Cargo and Transit Insurance?
What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is Alliance Risk?
Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. 4,5,6
What Is Cargo and Transit Insurance?
Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. 8,9,10,11
Key Differences in Cargo and Transit Insurance
Transit Scope and Cargo Types
AIG lists general cargo, bulk and break-bulk, project cargo, and goods moving by land, sea, or across borders; its catalogue also names stock-throughput and logistics structures. Alliance Risk separates inland marine exposures—such as contractor equipment, installations before delivery, and off-premises storage—from ocean shipments and marine liabilities. Importers moving inventory alongside jobsite equipment should ask which policy covers each leg and location rather than assuming “cargo” includes both. 3 7
Risk Advice and Exclusions
AIG lists route, conveyance, packaging, and security consultations plus marine loss-control engineering. Alliance Risk’s guidance emphasizes GPS tracking, tamper-proof containers, certificates from carriers, and photo logs, while its page identifies potential gaps for poor packaging, territory, flood, and business income. A shipper can compare both the prevention help and how the proposed wording handles a damaged or delayed load. 3 7
What to Confirm in Cargo and Transit Insurance Quotes
- Ask AIG whether your route, commodity, and storage stages fit the proposed cargo or stock-throughput structure; ask Alliance Risk whether the shipment belongs under inland marine, ocean marine, or both. 3 7
- Have Alliance Risk identify territory, packaging, flood, and business-income terms for the shipment, including any endorsements needed. 7
- Ask AIG which consultations and claims support are available for your account, and who the actual insurer is. 3
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
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsAlliance Risk
Review Score
Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.[1][4][6]
Read Alliance Risk reviewsOffering Details
AIG vs Alliance Risk: Cargo and Transit Insurance: documented features by provider
| Criteria | AIG Ocean Cargo Insurance | Inland & Ocean Marine Insurance |
|---|---|---|
| Role in This Line | AIG markets Ocean Cargo insurance and related global/captive solutions. The page does not name the issuing subsidiary for a particular buyer’s policy. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Confirm in your quote. |
| Issuing Insurer | Confirm in your quote. | The dedicated inland and ocean marine page does not name any insurer or specialty carrier that Alliance Risk places this coverage with. 7Not publicly disclosed. Checked the full dedicated product page as read on 2026-09-23; no carrier is identified for this line anywhere on the page. |
| Who It’s For | AIG names importers, exporters, manufacturers, wholesalers, and distributors with international transit exposures, including containerized general cargo, bulk/break-bulk and project cargo. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Alliance Risk lists contractors with mobile equipment, logistics and shipping companies, retailers and wholesalers shipping goods, import/export businesses, and museums, art dealers and jewelers as the businesses that typically need this coverage. 7Company-reported. Dedicated Alliance Risk product page for this line, as read on 2026-09-23. |
| Coverage Features | AIG describes protection for goods moved across land, sea or international borders and lists general cargo, bulk/break-bulk and project cargo. It also lists stock-throughput, captive/fronting and logistics package structures; those examples do not settle any buyer’s policy scope. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Alliance Risk says inland marine coverage typically applies to tools and equipment in trucks, installations before delivery, fine arts and specialty items in transit, contractor's equipment on job sites, and off-premises storage. 7Company-reported. Product page coverage description; the issued policy and declarations control actual terms. Alliance Risk says ocean marine coverage typically applies to cargo shipped internationally by sea, shipping containers, vessels and freight, hull and machinery, and liability for maritime accidents. 7Company-reported. Product page coverage description; the issued policy and declarations control actual terms. Alliance Risk's page states this coverage generally excludes general wear and tear or damage from poor packaging, losses outside the policy territory unless the policy is written globally, business income loss unless endorsed, and flood damage unless specifically added to an ocean marine policy. 7Company-reported. Product page "What Doesn't Inland & Ocean Marine Insurance Cover?" section; the issued policy controls actual exclusions. |
| Limits and Retentions | The page advertises $50 million transit capacity and $50 million storage/warehouse capacity, with natural-catastrophe sublimits stated as $10 million per occurrence and annual aggregate. These are advertised capacity figures, not an individual quote or policy limit. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Confirm in your quote. |
| Risk Services | AIG lists route, conveyance, packaging and security consultations, marine loss-control engineering, and claims support. Its Marine Claims Promise is conditional on confirmed coverage and applies to specified expense categories and agreed loss estimates. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Alliance Risk publishes risk-management guidance for this line, including using GPS tracking and tamper-proof containers for high-value shipments, requiring certificates of insurance from carriers and subcontractors, and keeping photo logs of cargo condition before and after transit. 7Company-reported. Product page "Risk Management Tips" section; this is published guidance, not a described policyholder service program. |
Full Comparison
More AIG vs Alliance Risk Comparisons
Other Cargo and Transit Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Ocean Cargo Insurance. AIG; Official AIG Ocean Cargo page, lines 242–285: target classes, cargo types, program structures, stated capacity, route consultation, claims promise and policy caveat. Accessed 2026-09-30.
Alliance Risk
- 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.
- 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.
- Get a Quote. Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
- Inland & Ocean Marine Insurance. Alliance Risk; What Is Inland & Ocean Marine Insurance?; Who Needs Inland & Ocean Marine Insurance?; What Does Inland Marine Insurance Cover?; What Does Ocean Marine Insurance Cover?; What Doesn't Inland & Ocean Marine Insurance Cover?; Risk Management Tips. Accessed 2026-09-23.
Cargo and Transit Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Shipping Options. International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
- Special Documents. International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
- Motor Truck Cargo Legal Liability Coverage. American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16.
