AIG vs 
Amelia Risk Workers’ Compensation 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 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. 5,6,7
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 10,11,12,13
Key Differences in Workers’ Compensation Insurance
Retained-Risk Structures or Brokerage Placement
AIG describes workers' compensation structures for sophisticated organizations that retain part of their risk through deductibles, self-insured retentions, captives or retrospective programs, and separately identifies a motorsports program. Amelia Risk describes a brokerage route: it gathers company information, approaches insurers, reviews quotes with the client and leaves the client to decide. These descriptions speak to different needs—risk-financing capacity versus quote coordination—and do not establish that either route is available for a specific employer. 3 4 6
Payroll Basis and Missing Rate Details
Amelia says workers' compensation premium is calculated from payroll multiplied by a rate, but publishes no rate table. AIG's reviewed offering claims do not provide rates or a quote basis. The AIG record's niche motorsports example also does not show whether an ordinary employer qualifies for that program. Neither source supports a price comparison; classifications, state rules, payroll and underwriting must be aligned first. 8 3 4
What to Confirm in Workers’ Compensation Insurance Quotes
Ask AIG whether a retained-risk structure is available at your scale, what collateral and loss-funding obligations apply, and whether the quote is tied to the motorsports program. Ask Amelia which insurers it approached, how payroll classifications and officer elections are handled by state, and who issues the policy. Compare the same locations, classifications, payroll and employer-liability limits before considering premiums. 3 4 8 6
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 Workers’ Compensation Insurance: documented features by provider
| Criteria | AIG Workers’ Compensation Insurance | Workers Compensation |
|---|---|---|
| Role in This Line | Confirm in your quote. | Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. 9Company-reported. Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy. |
| Issuing Insurer | Confirm in your quote. | The dedicated Workers Compensation page does not name an issuing insurer, state fund or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the carrier for a Workers Compensation placement depends on underwriting and state requirements. 8,6Not publicly disclosed. Dedicated Workers Compensation page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists. |
| Who It’s For | AIG Risk Management describes customized workers’ compensation program structures for sophisticated organizations that retain portions of their risk through deductibles, self-insured retentions, captives or retrospective programs. 3Company-reported. AIG Risk Management structures for sophisticated organizations that retain some risk. Claim limitation: The source does not connect the separate general casualty risk-consulting/loss-control section to these workers’ compensation structures; it does not establish universal small-business availability, a specific issuing entity or state availability. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. 8Company-reported. Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state. |
| Coverage Features | AIG includes workers’ compensation in corporate casualty solutions for organizations across sectors and sizes. 3Company-reported. AIG corporate casualty segment. Claim limitation: Does not identify specific issuing entity or all states. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. AIG lists workers compensation among the coverages in its nationwide Motorsports Program for motorsports owners, tracks and teams. 4Company-reported. AIG Programs MotorSports Program. Claim limitation: This is a single niche program; it does not establish availability to other employers. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Amelia Risk describes Workers Compensation as statutory coverage, paying an injured employee's medical bills when the employee is hurt or injured at work. 8Company-reported. Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form. Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. 8Company-reported. Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component. |
| Limits and Retentions | Confirm in your quote. | Amelia Risk states that Workers Compensation premium is calculated as a function of payroll multiplied by a rate; the page does not publish specific rate figures or a rating class table. 8Company-reported. Dedicated Workers Compensation page. A general pricing-mechanics statement, not a quote or rate schedule. |
| How to Apply | Confirm in your quote. | Amelia Risk applies its general four-step brokerage process to a Workers Compensation request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. 6Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Workers Compensation-specific intake form. |
Full Comparison
More AIG vs Amelia Risk Comparisons
Other Workers’ Compensation 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.
- Casualty Insurance - Business Casualty Risk Solutions | AIG US. AIG US; Corporate Accounts; Truck Insurance; AIG Risk Management; AIG Risk Management program structures, lines 293–297. Accessed 2026-09-28.
- AIG Programs Insurance | AIG US. AIG US; MotorSports Program, coverage specifics and location (lines 526–543). Accessed 2026-09-28.
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; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
- 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.
- Workers Compensation. Amelia Risk Insurance Brokers; What's covered by a Workers Compensation Policy?; premium as payroll x rate; Employer's Liability; When should a company buy a Workers Compensation Policy? Accessed 2026-09-23.
- Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Workers Compensation. Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
