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 the Baldwin Group?
Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. 4,5
What Is Cargo and Transit Insurance?
Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. 7,8,9,10
Key Differences in Cargo and Transit Insurance
Published Shipment Detail
AIG names importers, exporters, manufacturers, wholesalers, and distributors, and lists containerized, bulk, and project cargo. The Baldwin Group’s transportation practice spans road, rail, pipeline, and air businesses, but its offering does not specify a cargo form or covered transit stages. A shipper should send both teams the same commodity and route details; ask Baldwin to identify the carrier and policy schedule it can source. 3 6
Route Advice and Program Review
AIG lists consultation on routes, conveyances, packaging, and security, as well as marine loss-control engineering and claims support. The Baldwin Group says it helps transportation clients review and optimize programs, mitigate losses, and source coverage for inventory and equipment. Those are broader advisory descriptions; ask who will provide shipment-level claims assistance and what risk controls apply to the specific route. 3 6
What to Confirm in Cargo and Transit Insurance Quotes
- Ask Baldwin to specify the cargo form, commodities, and transit stages; its public description does not enumerate them. 3 6
- Ask AIG which of its cargo categories fits each shipment and whether storage is included. 3 6
- Identify each insurer and the person who will handle a claim, then compare route-specific services. 3 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 reviewsThe Baldwin Group
Review Score
The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.[8][1][2][4][9][10]
Read The Baldwin Group reviewsOffering Details
AIG vs The Baldwin Group: Cargo and Transit Insurance: documented features by provider
| Criteria | AIG Ocean Cargo Insurance | Baldwin Cargo Insurance Brokerage and Advisory |
|---|---|---|
| Role in This Line | AIG markets Ocean Cargo insurance and related global/captive solutions. The page does not name the issuing subsidiary for a particular buyer’s policy. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | The source describes The Baldwin Group’s brokerage or advisory role for Cargo Insurance. It does not identify Baldwin as the risk-bearing insurer for a particular placement. 6Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement. |
| Who It’s For | AIG names importers, exporters, manufacturers, wholesalers, and distributors with international transit exposures, including containerized general cargo, bulk/break-bulk and project cargo. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Baldwin’s transportation practice addresses road, rail, pipeline and air businesses, each of which may have distinct risk and insurance needs. The page does not publish applicant eligibility by carrier or jurisdiction. 6Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. |
| Coverage Features | AIG describes protection for goods moved across land, sea or international borders and lists general cargo, bulk/break-bulk and project cargo. It also lists stock-throughput, captive/fronting and logistics package structures; those examples do not settle any buyer’s policy scope. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Baldwin lists cargo insurance among coverage solutions it may source for transportation clients. It does not specify a cargo form, covered transit stages, commodity schedule or policy entitlement. 6Company-reported. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown. |
| Limits and Retentions | The page advertises $50 million transit capacity and $50 million storage/warehouse capacity, with natural-catastrophe sublimits stated as $10 million per occurrence and annual aggregate. These are advertised capacity figures, not an individual quote or policy limit. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. 6Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources. |
| Risk Services | AIG lists route, conveyance, packaging and security consultations, marine loss-control engineering, and claims support. Its Marine Claims Promise is conditional on confirmed coverage and applies to specified expense categories and agreed loss estimates. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Baldwin describes helping transportation clients review and optimize programs, mitigate losses and source insurance for operations, inventory, equipment and employees. 6Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established. |
Full Comparison
More AIG vs The Baldwin Group Comparisons
Other Cargo and Transit 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.
- Ocean Cargo Insurance. AIG; Official AIG Ocean Cargo page, lines 242–285: target classes, cargo types, program structures, stated capacity, route consultation, claims promise and policy caveat. Accessed 2026-09-30.
The Baldwin Group
- The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025. U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28. Accessed 2026-09-28.
- Business Insurance. The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28. Accessed 2026-09-28.
- Transportation Insurance & Risk Management. The Baldwin Group; Transportation advisors and partner market access lines 42–48; RiskMap and program reviews lines 53–75; listed line options lines 86–113; fleet risk resources lines 118–131; Employee benefits lines 133–173; accessed 2026-09-29. Accessed 2026-09-30.
Cargo and Transit Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Shipping Options. International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
- Special Documents. International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
- Motor Truck Cargo Legal Liability Coverage. American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16.
