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 Amelia Risk?
Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. 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. 11,12,13,14
Key Differences in Cargo and Transit Insurance
Transit-Only Categories and Inventory at Locations
AIG lists general, bulk and break-bulk, and project cargo across land, sea, and international borders, plus stock-throughput structures. Amelia Risk describes stock-throughput as two linked parts: in-transit and at-location protection, intended to address loading and unloading gaps between cargo and property policies. A business with inventory that pauses in warehouses should ask Amelia about the at-location element and AIG how its proposed structure covers those periods. 3 7
Broad Cargo Buyers and Consumer-Product Focus
AIG names importers, exporters, manufacturers, wholesalers, and distributors with international transit exposures. Amelia Risk identifies cargo and stock-throughput as an option for its consumer packaged goods and consumer-product clients. That narrower audience matters to a startup outside those sectors; ask Amelia whether it will consider your business, while AIG should specify which shipment types fit its cargo offer. 3 8
What to Confirm in Cargo and Transit Insurance Quotes
- Ask Amelia to show how transit and at-location periods fit together during loading, unloading, and storage. 3 7
- Ask AIG to identify which cargo category and policy structure covers each route and inventory stop. 3 8
- Have Amelia confirm appetite for your industry and ask both providers to list covered commodities and locations. 3 7
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 reviewsAmelia Risk
Review Score
1 rated source
Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.[7]
Read Amelia Risk reviewsOffering Details
AIG vs Amelia Risk: Cargo and Transit Insurance: documented features by provider
| Criteria | AIG Ocean Cargo Insurance | Amelia Risk Stock Throughput (Cargo) Insurance Brokerage |
|---|---|---|
| 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. | Amelia Risk arranges stock-throughput coverage, which it describes as protecting inventory "at any point in the supply chain" rather than only while goods are physically moving. 7Company-reported. Dedicated stock-throughput product page; a brokerage placement, not an insurer-issued policy summary. |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name an insurer for stock-throughput coverage; as a brokerage, Amelia Risk places the policy rather than underwriting it. 7Not publicly disclosed. Stock-throughput product page as read on 2026-09-23. |
| 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. | Amelia Risk lists cargo/stock throughput as a coverage for its CPG and consumer-product clients specifically; it does not appear in the startup or technology specialty checklists reviewed. 8,9Company-reported. Comparison of the four specialty pages' policy checklists as published. |
| 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. | Amelia Risk says the policy has two coverages: in-transit and at-location. It says most claims happen during loading and unloading, and describes the combined policy as closing that gap between separate transit and property coverage. 7Company-reported. Product page description; the issued policy and its forms control actual terms. Amelia Risk says the policy values finished product at selling price rather than replacement cost, which it describes as a more favorable valuation basis than a standard property policy. 7Company-reported. Product page description; actual valuation terms depend on the policy as issued. |
| 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. | Amelia Risk's stock-throughput page describes the valuation method but does not publish limits, sublimits or deductibles. 7Not publicly disclosed. Stock-throughput product page as read on 2026-09-23. |
| 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. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Amelia Risk says there is no single trigger for buying stock throughput coverage; it advises considering the policy as a company's supply chain grows more complex, and evaluating cost-effectiveness alongside the rest of the insurance program. 7Company-reported. Product page guidance on timing of purchase, not a quote or application process description. |
Full Comparison
More AIG vs Amelia 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.
Amelia Risk
- Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
- Our Specialties. Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
- About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
- Stock Throughput. Amelia Risk Insurance Brokers; What's covered by a Stock Throughput Policy?; in-transit and at-location coverages; loading and unloading gap; selling-price valuation; When should a company buy a Stock Throughput Policy? Accessed 2026-09-23.
- Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Cargo / Stock Throughput. Accessed 2026-09-23.
- Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Cargo / Stock Throughput. Accessed 2026-09-23.
- Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Stock Throughput. 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.
