AIG vs Aon: How Do They Compare for Cyber Insurance?

AIG markets three distinct cyber forms: CyberEdge, CyberEdge Plus and CyberEdge PC. AIG says coverage may be bought as a standalone CyberEdge policy or endorsed onto selected Financial Lines, Property and Casualty policies; the forms are not interchangeable descriptions of one coverage grant. ³Company-reported. AIG’s U.S. CyberEdge page; endorsement availability is stated only for selected policies. AIG’s legal footer says policies are written by subsidiaries or affiliates and coverage depends on underwriting and policy language.

Aon describes cyber insurance brokerage and risk-advisory services. It is not identified as the risk-bearing insurer, and the global page does not name the carrier for a particular placement. ⁶Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance.

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The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. ⁶Not found in reviewed sources. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available.

AIG describes cyber coverage and risk services for organizations and clients. The reviewed product page does not publish a complete eligible-industry, revenue or security-control appetite; a particular applicant’s eligibility remains subject to underwriting. ³Company-reported. Audience stated by AIG on its U.S. CyberEdge marketing page; no application eligibility schedule was reviewed.

Aon describes cyber services for organizations managing cyber risk. Its global practice page does not publish a complete industry, revenue, security-control or state-by-state eligibility schedule. ⁶Company-reported. Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state.

AIG describes CyberEdge as addressing breach-related financial costs such as response, data restoration, network interruption and cyber extortion. CyberEdge Plus is described for physical-world losses caused by a cyber event, including business interruption, property damage and physical injury; CyberEdge PC is described as excess of traditional property and casualty policies on a difference-in-conditions/difference-in-limits basis. The page says actual coverage depends on the facts and policy terms, conditions and exclusions. ³Company-reported. Product summaries on AIG’s U.S. page, preserving differences among the three forms. Examples are not a promise that any loss or expense is covered under an issued policy.

Aon describes cyber insurance as one part of cyber risk financing and says it reviews policy offerings because terms and conditions vary. For professional-services firms, it discusses coordinating cyber and professional-liability coverage. This is brokerage guidance and does not establish the terms of any cyber policy. ⁶Company-reported. Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control.

The reviewed page does not state standard cyber limits, retentions or sublimits. Confirm each amount and applicable form in the quote and issued policy. ³Not publicly disclosed. AIG’s U.S. CyberEdge marketing page reviewed 2026-09-30; no buyer-specific quote, application outcome or policy wording was reviewed.

The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. ⁶Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed.

AIG describes cyber risk assessment, threat intelligence, alerts about known vulnerabilities, and a Cyber Resiliency Program. The page says these services help clients assess and improve cyber resilience; it does not promise that they prevent a breach or are available on identical terms with every form. ³Company-reported. Company-described cyber risk services on AIG’s U.S. CyberEdge page; product and account applicability should be confirmed in the quote.

Aon describes cyber claims advocacy and preparation and relationships with third-party incident-response providers. The retained official source notes that provider contracts are separate, no performance guarantee is made, and referral remuneration may occur; confirm the providers, scope and compensation applicable to a client. ⁶Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated.

AIG links a U.S. Cyber underwriting application and invites brokers to contact its national product and distribution teams. The page does not say that submitting an application results in a quote, acceptance or binding. ³Company-reported. Application and broker contact links on AIG’s U.S. CyberEdge page; no completed application or binding workflow was reviewed.

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AIG says its cyber insureds can use a 24/7 claims hotline and that its claims team works with specialized legal and forensic firms on incident response. AIG’s example also describes assistance with regulatory disclosures and notifications. These service statements do not guarantee claim acceptance, payment or a particular response time. ³Company-reported. Company-reported services and example on AIG’s CyberEdge page; policy terms and the circumstances of a loss control any claim.

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