AIG vs At-Bay: How Do They Compare for Business Insurance?

“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-reportedAIG 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.

At-Bay offers cyber, technology E&O and miscellaneous professional liability, with coverage described as underwritten by non-admitted insurers. At-Bay Insurance Services LLC is its disclosed property-and-casualty agency and surplus-lines broker. ^16,20Company-reportedUS brand and disclosed producer; company statements, not regulatory verification.

At-Bay identifies its agency and surplus-lines broker role and says its listed coverages are written by non-admitted insurers. AIG’s notice identifies multiple affiliated U.S. insurers but does not map them to a specific quote. Ask each producer to name the entity that sells the policy and the legal insurer that bears the risk. ^20 2

AIG’s Surplus Lines section says its commercial insurance solutions serve small, middle-market, and large enterprises. The same section separately describes Lexington Casualty as an experienced excess-and-surplus-lines casualty provider; it does not explicitly assign all three customer-size segments to Lexington Casualty. ³Company-reportedAIG’s published Surplus Lines section; customer-size statement and Lexington Casualty description are adjacent but not explicitly attributed to the same business. This does not establish a provider-wide customer focus or product-specific issuer.

Large technology companies may fit At-Bay’s published Tech E&O appetite, but the quote route matters: its product page lists up to $5 billion revenue and $10 million limits, while its broker platform lists $100 million and $3 million. These are ceilings, not guaranteed offers. ¹⁷Company-reportedCurrent product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.

At-Bay publishes Tech E&O ceilings that differ between its product page and broker platform; those are caps, not guaranteed eligibility, and the cited legacy appetite guide is not current. AIG’s broad business-size statement likewise does not establish fit for a technology class. Get current class appetite, limits and state availability in writing for the quote route you will use. ^17 27 3

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-reportedPublicly 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.

An online quote is not bound coverage; At-Bay’s broker process still requires application review, chosen limits and retentions, documents, effective date, contingencies and signatures before binding. ^21,19Company-reportedPublic broker workflow; no application submitted and no speed guarantee inferred.

At-Bay describes broker review, selected limits and retentions, required documents, contingencies and signatures before binding; an online quote does not itself provide coverage. AIG’s public portal lists broker and agent tools but not the bind steps for a selected product. Ask for the binding requirements and effective date before relying on a certificate or quote. ^21 19 4

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-reportedPublic description of a North America broker/agent portal; authenticated functions and account-specific availability were not reviewed.

Eligible policies may include Stance monitoring, fraud defense, employee training and cyber-advisor access, but the Embedded Security Fee and endorsement apply; MDR is a separate purchase from At-Bay Security, LLC. ²²Company-reportedCurrent service descriptions and footnotes; no claims of effectiveness or independent testing.

At-Bay describes Stance monitoring, fraud defense, training and advisor access for eligible policies, with an Embedded Security Fee and endorsement; MDR is a separate purchase. AIG’s listed portal is for policy documents and broker tools, not the same security service. Compare what is included in premium, what costs extra and whether any service is conditional on coverage. ^22 4

AIG says insureds and brokers can report primary property or casualty claims online for Auto Liability, General Liability, Property, and Aerospace, attach documents, and track adjuster assignment and claim closure. AIG says options vary by line and country. ⁵Company-reportedAIG's stated IntelliRisk claim portal functions for named primary property/casualty lines. This does not describe every commercial line, claim outcome, or policy obligation.

After a cyber incident, At-Bay describes an in-house claims team, breach coach, response partners and incident-reporting routes; this describes its stated process, not claim payment or service quality. ^23,24Company-reportedCyber incident process; confirm policy-specific notice obligations and consent requirements, including non-cyber E&O claims.

At-Bay describes an in-house cyber claims team, breach counsel and incident-response partners; its account notes that policy-specific notice and consent still matter, especially for non-cyber professional liability. AIG lists online reporting for named primary lines and says options vary by line and country. Ask who must consent before you incur response costs and which contact applies to each line. ^23 24 5

• –Which legal insurer, limits and retentions apply to the exact cyber or E&O policy, and what current appetite rules govern your class? ^17 2
• –Is monitoring included, subject to a policy fee or endorsement, or an optional separate service? ²²
• –Who must receive incident notice, and do you need consent before using breach-response vendors? ^23 5