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AIG vs Aon

AIG’s policies are issued by subsidiaries or affiliates; Aon’s U.S. commercial risk terms describe broker-of-record and placement work for clients. A midsize company can use this pairing to distinguish the insurer proposal from Aon’s advice, market strategy and program administration. 1,4,16,19

Introduction

Coverage Comparison

CoverageAIGAon
Builders riskListed AIG Builders RiskListed 29Aon names Construction Property/Builders Risk on its global construction page; confirm whether this line is offered for the buyer, state, and placement.
Cargo and transitListed AIG Ocean CargoListed 24Aon lists cargo placements in its global marine practice; U.S. eligibility, insurer, limits and policy terms are not stated on the reviewed page.
Commercial autoListed AIG Truck Insurance Group commercial auto (scoped to for-hire trucking)Listed 21Aon lists automobile liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
Commercial propertyListed AIG Commercial Property / Retail PropertyListed 23Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability.
CrimeListed AIG Crime Insurance / CrimeGuard ChoiceListed 21Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
Cyber liabilityListed AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)Listed 22,21Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement.
Directors and officersListed AIG Directors & Officers LiabilityListed 20Aon describes D&O brokerage and program services in a global practice; this does not identify the producer, insurer or state availability for a particular U.S. placement.
Employee health and benefitsListed AIG Medical Indemnity supplemental group health benefitNot listed
Employment practices liabilityListed AIG Employment Practices Liability InsuranceListed 21Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state.
Equipment breakdownListed AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only.Not listed
Fidelity bondsListed 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 liabilityListed AIG Fiduciary Liability Insurance / Fiduciary EdgeListed 21Aon lists fiduciary liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
General liabilityListed AIG Programs general liability (three separate program scopes)Listed 29Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line.
Hired and non-owned autoListed AIG Manufactured Housing Program lists hired and non-owned auto for that program; this does not establish a standalone broad HNOA product.Not listed
Kidnap and ransomListed AIG CrisiSolution K&R and extortionListed 21Aon lists kidnap and ransom within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
Liquor liabilityListed AIG Programs lists liquor liability among coverages it may develop in client-specific programs; no general standalone product or universal program availability implied.Not listed
Management liabilityListed 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 21Aon describes management liability in its global Professional Services Practice as a partnership program for law, accounting and consulting firms, rather than a standalone line; U.S. availability and specific policy terms are not established.
Media liabilityListed AIG Media Content and Publishers & Broadcasters liability (distinct descriptions)Not listed
Product liabilityListed AIG Aviation Product LiabilityNot listed
Product recallListed 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.Not listed
Professional errors and omissions (E&O)Listed AIG entity-based Professional Liability / Specialty Professional E&OListed 21Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed.
Representations and warrantiesListed AIG Representations & Warranties InsuranceNot listed
Surety bondsNot listedListed 25Aon markets Commercial Surety globally and says availability depends on jurisdiction; the page does not establish U.S. placement availability.
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.Not listed
Tools, equipment and inland marineListed AIG Inland Marine (Transportation & Logistics; Construction & Equipment)Not listed
TruckingListed AIG Truck Insurance GroupNot listed
Umbrella and excess liabilityListed AIG Excess Casualty (lead umbrella and mid/high excess)Listed 29Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction.
Workers’ compensationListed AIG Workers’ Compensation options by distinct channelListed 29Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement.

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.

Aon

Broker

Broker

6.7/ 10

Assessed provider: Aon. Scope: Aon group commercial insurance brokerage, assessed at brand level from Aon's published terms, its 2025 SEC filing, and U.S., U.K. and Irish regulator records. It does not assess a single producing entity, insurer or placement, and it is not a ruling on Aon's consulting or benefits businesses.

Provider assessment

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

4.4/ 10

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 reviews

Aon

6.1/ 10

Review Score

3 rated sources

Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.[4][6][7]

Read Aon reviews

Key Differences

Aon markets a Middle Market practice for mid-sized organizations without a numerical cutoff, while AIG’s Surplus Lines section references small, middle-market and large enterprise solutions. Neither statement determines whether a particular risk qualifies for a product. Ask which Aon team would lead the placement and whether an AIG product fits the company’s operations and locations. 1 2 16 17 1 2 3 19 18

Aon describes consulting on markets and program strategy, preparing underwriting information and obtaining client instructions to bind selected programs; AIG lists broker applications in myAIG. Confirm when the client’s instruction, insurer approval and binding confirmation each occur. 4 16

Aon says it may administer insurer relationships, billing and data reporting for selected programs; AIG describes broker access to documents and loss runs. Compare the written service scope and renewal timetable with the insurer’s own policy service requirements. 4 5 16

AIG’s disclosure describes commissions and possible contingent payments to brokers and agents; Aon’s cited information addresses a different part of the placement or its fees. These amounts are not a buyer price estimate. Ask separately for the policy premium, compensation paid to each producer and any buyer-paid fee. 6 16

What to Confirm in Quotes

  • Which Aon legal producer will act for the account, and which AIG company would issue each policy? 1 2 16 17
  • Ask which markets are approached, how Aon records client instructions, and what confirms a binder for the selected program. 4 16
  • Request account-specific commissions, contingent compensation, fees and affiliated-market payments, then compare itemized premiums and service commitments. 4 5 16 6 16

Compare Services

What each provider documents about the services you may need

CriteriaAIGAon
Business role

“AIG” is the marketing name for American International Group, Inc.'s worldwide operations. AIG says insurance products are written or provided by subsidiaries or affiliates; its U.S. legal notice lists multiple U.S.-domiciled property and casualty insurers but does not identify which company would issue a particular commercial policy. 1,2Company-reported. AIG group naming and the listed U.S.-domiciled property and casualty companies. The legal notice is not a policy-specific carrier assignment or complete ownership chart.

Aon’s U.S. Commercial Risk terms describe Commercial Risk Solutions U.S. as broker of record for certain insurance programs. Separate electronic-delivery terms name Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries to deliver arranged policies; the terms define an insurer as the policy issuer and risk bearer. These group-level descriptions do not identify the producer or authority for a particular placement. 16,17Company-reported. Company-reported U.S. Commercial Risk brokerage and electronic-delivery terms; certain programs only. No specific insured, licensed producer, appointment, policy issuer, state authority or placement was matched.

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.

For certain U.S. Commercial Risk programs, Aon says it consults with the client about market conditions, insurers to approach and program strategy, helps prepare underwriting information and applications, and obtains the client’s instructions to bind specific programs based on Aon’s proposal. The client signs applications that require a signature. 16Company-reported. Company-reported contractual terms for certain U.S. Commercial Risk programs; not a universal workflow, online checkout claim, insurer role or guarantee that a quote can bind.

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.

Aon says it consults with clients before placing or renewing coverage and, where applicable, administers the insurer relationship for selected programs, including billing, data reporting and negotiated requirements. The terms do not promise automatic renewal, a timetable, a specific market or a particular outcome. 16Company-reported. Company-reported terms for selected U.S. Commercial Risk programs; administration varies where applicable and may be changed by written agreement.

Fees and compensation

AIG says its companies compensate brokers and independent agents with commissions set at policy purchase, renewal, placement, or servicing, and may also pay contingent compensation. Specific compensation varies; the disclosure directs buyers to their broker or agent for policy-specific information. 6Company-reported. AIG's disclosure for business placed by brokers and independent agents with U.S. AIG offices issuing policies in the United States and territories for specified lines; its ranges describe business written in 2024 and exclude stated categories. Not a statement of any buyer's commission or total insurance cost.

Aon’s U.S. brokerage terms say compensation may come from insurers or third parties and can vary by contract, insurer and arrangement. Aon and affiliates may also receive contingent and other compensation; contingent goals can create an incentive to place coverage with a particular insurer. Clients may request expected compensation information for their coverage and alternative quotes. The terms do not give a client-specific amount. 16Company-reported. General company-reported U.S. brokerage terms; actual compensation, fees and conflicts for a client or placement are not stated here and may depend on law or contract.

Sources

AIG Official Website

  1. Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
  2. 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.
  3. Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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.

Aon Official Website

  1. Commercial Risk Solutions U.S. Brokerage Terms of Service. Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed. Accessed 2026-09-29.
  2. Aon Commercial Risk U.S. Electronic Disclosure and Consent Terms. Aon; Lines 120–125: Aon Risk Services Companies, Inc. acting for itself and licensed brokerage subsidiaries in electronic delivery; insurer is defined as issuer and risk bearer. The passage does not identify a producing entity or insurer for a particular placement. Accessed 2026-09-28.
  3. Aon plc Form 10-K for the year ended December 31, 2025. Aon plc / U.S. Securities and Exchange Commission; Cover lines 23–34: Aon plc is incorporated in Ireland and gives Dublin as principal executive office; lines 261–263: global client breadth; lines 271–273 and segment discussion: company-reported Commercial Risk brokerage and risk-consulting operations. Filing is parent-level evidence, not placement producer, authority or insurer evidence. Accessed 2026-09-29.
  4. Middle Market Clients. Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page. Accessed 2026-09-29.
  5. Directors’ and Officers’ (D&O) Liability Insurance. Aon; Lines 135–160: general covered allegations and Side A, B and C scenarios, including public/private differences; lines 171–185: insurer-selection analytics, brokerage/claims-team collaboration and management-liability specialization. Product explanation and company-reported services; not an Aon-issued policy or quote. Accessed 2026-09-29.
  6. Professional Services Practice | Insurance Broking & Risk Management. Aon; Lines 125–128: global professional-services team and named law, accounting and consulting firm audience; lines 131–147: professional-liability/E&O offering and terminology; lines 151–176: cyber and EPL offerings, including management liability described at lines 158–163 as a partnership program/category; lines 180–189: professional-services P&C listing, including crime, fiduciary, kidnap and ransom, and automobile liability. “Loss Prevention” section (directly inspected passage at lines 209–212) conditions law-firm loss prevention on Aon broking of lawyers’ professional liability. Global practice page; no state-specific placement schedule. Accessed 2026-09-29.
  7. Cyber Risk. Aon; Lines 194–205: cyber risk financing and cyber insurance; lines 206–230: claims advocacy/preparation and third-party incident-response providers, separate client contracts, no performance guarantee, and possible referral remuneration. Company-reported global service description. Accessed 2026-09-29.
  8. Property Risk Management. Aon; Lines 132–140: property/buildings/contents and possible business-interruption cover, broker team services; lines 148–159: rates, retentions, limits, deductibles, benchmarking and U.S.-available Property Risk Analyzer; lines 161–168: global market access and alternate risk transfer. Tool availability does not establish placement availability or authority by state. Accessed 2026-09-29.
  9. Marine Insurance and Risk Management. Aon; Lines 123–126: global marine practice, customer examples and marine claims/risk services; lines 155–175: cargo offerings including project cargo, general cargo, stock throughput, excess storage and freight/logistics. No U.S. placement terms, insurer, limits or state authority specified. Accessed 2026-09-29.
  10. Commercial Surety. Aon; Lines 125–127: commercial surety bond description and three parties; lines 190–210: Aon says it approaches the surety market globally and describes its brokerage support, with offerings depending on jurisdiction; lines 211–222: examples of bond types. Global company marketing; no U.S. producing entity, state authority, issuer or placement terms. Accessed 2026-09-29.
  11. About | Aon. Aon; Aon’s company overview and Our Capabilities list distinguish Risk Capital from Human Capital and describe group-wide capabilities. General company identity context; not placement, authority or insurer evidence. Accessed 2026-09-28.
  12. Broking and Risk Transfer | Aon. Aon; Explore Our Risk Transfer Offerings; Property & Casualty, Specialty, Management Liability and industry listings. Broad catalogue only; not sufficient for a dedicated line record by itself. Accessed 2026-09-28.
  13. Financial and Executive Risks | Insurance Broking & Risk Management. Aon; Financial Services Group Overview; D&O, fiduciary, EPL and crime references plus policy design and insurer market knowledge. Broad category/source context; not sufficient by itself to establish a separate U.S. product. Accessed 2026-09-28.
  14. Construction and Infrastructure Insurance and Risk Management. Aon; Lines 125–126: global construction practice designing and placing risk solutions; lines 137–156: industry-specific property, casualty, construction professional liability, subcontractor default and construction surety offerings; lines 167–195: global coverage areas explicitly list Builders Risk, general/umbrella/excess liability within construction liability, workers compensation and surety among other categories. These are construction-practice marketing statements; page does not provide U.S. state or placement availability for each line. Accessed 2026-09-29.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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