AIG vs 
At-Bay
At-Bay describes cyber, technology E&O and miscellaneous professional liability through an agency and non-admitted insurers, and publishes security services tied to policy terms or separate purchases. AIG lists a broader commercial portfolio; the issuer and account terms still depend on the proposed policy. 16,22,3,2
Introduction
For a technology business weighing cyber and professional-liability services, At-Bay publishes a focused route with security tools and policy-specific conditions. AIG’s public materials cover a broader commercial range and broker-facing services; they do not identify which affiliate or form would address a particular cyber or technology exposure. Compare the proposed limits, retentions, issuer and service endorsements rather than the brands alone. 16 22 3 2
The coverage table also lists an AIG Product Recall offer, but the cited flyer describes multinational cover for named segments; it does not establish an unrestricted U.S. standalone offer, issuer or account terms. Confirm that your product and territory fit the actual proposal. 12
Coverage Comparison
| Coverage | AIG | At-Bay |
|---|---|---|
| Builders risk | Listed AIG Builders Risk | Not listed |
| Cargo and transit | Listed AIG Ocean Cargo | Not listed |
| Commercial auto | Listed AIG Truck Insurance Group commercial auto (scoped to for-hire trucking) | Not listed |
| Commercial property | Listed AIG Commercial Property / Retail Property | Not listed |
| Crime | Listed AIG Crime Insurance / CrimeGuard Choice | Not listed |
| Cyber liability | Listed AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct) | Listed 18At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion. |
| Directors and officers | Listed AIG Directors & Officers Liability | Not listed |
| Employee health and benefits | Listed AIG Medical Indemnity supplemental group health benefit | Not listed |
| Employment practices liability | Listed AIG Employment Practices Liability Insurance | Not listed |
| Equipment breakdown | Listed AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only. | Not listed |
| Fidelity bonds | Listed 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 liability | Listed AIG Fiduciary Liability Insurance / Fiduciary Edge | Not listed |
| General liability | Listed AIG Programs general liability (three separate program scopes) | Not listed |
| Hired and non-owned auto | Listed 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 ransom | Listed AIG CrisiSolution K&R and extortion | Not listed |
| Liquor liability | Listed 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 liability | Listed 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. | Not listed |
| Media liability | Listed AIG Media Content and Publishers & Broadcasters liability (distinct descriptions) | Not listed |
| Product liability | Listed AIG Aviation Product Liability | Not listed |
| Product recall | Listed 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&O | Listed 19At-Bay offers primary miscellaneous professional liability insurance. |
| Representations and warranties | Listed AIG Representations & Warranties Insurance | Not listed |
| 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. | Listed 17At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion. |
| Tools, equipment and inland marine | Listed AIG Inland Marine (Transportation & Logistics; Construction & Equipment) | Not listed |
| Trucking | Listed AIG Truck Insurance Group | Not listed |
| Umbrella and excess liability | Listed AIG Excess Casualty (lead umbrella and mid/high excess) | Not listed |
| Workers’ compensation | Listed AIG Workers’ Compensation options by distinct channel | Not listed |
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.
AIG
CarrierNo Spot Score
Assessment subject unavailable
At-Bay
Hybrid providerBroker
5.2/ 10Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.
Carrier & MGA
7.1/ 10Assessed provider: At-Bay. Scope: At-Bay Insurance Services LLC as producer/broker and At-Bay Specialty Insurance Company as a Delaware-based E&S carrier, with issuer evidence limited to Cyber and Tech E&O policies announced as issuing on its own paper beginning August 7, 2023.
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
Not enough ratings
Public review figures about AIG do not describe one comparable U.S. commercial-insurance population: Trustpilot and ConsumerAffairs mix products and countries, BBB includes corporate locations, and the NAIC issuer-specific search remains incomplete. NerdWallet directly reports more liability and property claims complaints than it expects for AIG’s size; its 2.5-star value is an editorial rating, not a consumer average.[1][2][3][6][5]
Read AIG reviewsAt-Bay
Review Score
9.5/ 102 rated sources
At-Bay’s public review evidence is thin: one old G2 review and a BBB complaint record. It is not enough to judge day-to-day service or claims handling.[3][6][9]
Read At-Bay reviewsKey Differences Between AIG and At-Bay
Provider Role and Customer Scope
“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.
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-reported. US 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-reported. AIG’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-reported. Current 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
Application and Account Service
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.
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-reported. Public 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-reported. Public 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-reported. Current 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
Claims Assistance
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-reported. AIG'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 documents its stated process, not claim payment or service quality. 23,24Company-reported. Cyber 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
What to Confirm in Quotes
- 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
Compare Services
What each provider documents about the services you may need
| Criteria | AIG | At-Bay |
|---|---|---|
| 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. | 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-reported. US brand and disclosed producer; company statements, not regulatory verification. |
| Customer focus | 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-reported. AIG’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-reported. Current product-page appetite; no inference of pre-revenue, industry-specific or California eligibility. A September 2023 Tech E&O appetite PDF still accessible on At-Bay’s site has lower revenue and limit ceilings than the current product page and lists restricted classes including autonomous AI. It should not be treated as current eligibility guidance; ask underwriting for the applicable appetite version. 27,17Company-reported. Legacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved. |
| 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. | 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-reported. Public broker workflow; no application submitted and no speed guarantee inferred. |
| 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. | 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-reported. Current service descriptions and footnotes; no claims of effectiveness or independent testing. You can buy optional MDR for endpoint and email protection, or MXDR for endpoint, email, identity and cloud; At-Bay says these can be bought beyond policyholders too. Confirm service eligibility and any conditional coverage enhancements or premium credits. 22Company-reported. Security services, not additional insurance coverage lines; comparable approved solutions may also qualify. Avoid an unwanted automatic renewal by confirming your dashboard route and deadlines: At-Bay describes rapid and manual renewals, and says rapid renewals bind automatically 15 days before expiry. 21Company-reported. Company-described workflow; no promise of unchanged renewal price or terms. |
| Claims assistance | 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-reported. AIG'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 documents its stated process, not claim payment or service quality. 23,24Company-reported. Cyber incident process; confirm policy-specific notice obligations and consent requirements, including non-cyber E&O claims. |
Related Reading
Sources
AIG Official Website
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- 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.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
At-Bay Official Website
- Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
- Tech E&O Insurance Coverage and Policy Highlights. At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
- Cyber Insurance. At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
- MPL Insurance: Coverage Highlights & Appetite. At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
- Licenses. At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
- Broker Platform. At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
- At-Bay Stance. At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
- Claims Handling. At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
- Response & Recovery. At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
- Terms of Service. At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
- At-Bay Begins Issuing Policies on its own E&S Paper. At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
- At-Bay Surplus Tech E&O Appetite Guide. At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
- At-Bay Doubles Miscellaneous Professional Liability Appetite. At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.
