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 Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 8,9,10,11,12
Key Differences in Crime Insurance
Product description and brokerage role
AIG markets crime insurance for commercial and governmental entities and describes possible losses involving money, securities, dishonesty, theft, and fraud. The Baldwin Group lists commercial crime or crime/fidelity among insurance options for professional-services and real-estate clients, but its reviewed pages do not identify Baldwin as the risk-bearing insurer. Buyers can use AIG’s product description to frame a coverage discussion; a Baldwin placement requires the carrier and form to be named. 3 6
Claims support and policy terms
AIG identifies dedicated underwriting and experienced claims professionals for its Crime and Fidelity business. The Baldwin Group describes risk guidance, policy planning, and claims advocacy for its practices, but does not claim to adjudicate a carrier’s crime claim or specify covered dishonest acts. Ask Baldwin who handles the claim with the insurer, and compare the quoted loss triggers, discovery period, limits, and exclusions against AIG’s proposed form. 3 6
What to Confirm in Crime Insurance Quotes
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: Crime Insurance: documented features by provider
| Criteria | AIG Crime Insurance | Baldwin Commercial Crime Brokerage and Advisory |
|---|---|---|
| Role in This Line | AIG markets crime insurance as a risk-bearing insurance product for commercial and governmental entities, separate from its financial-institution bond offering. The policy issuer is not named for a particular buyer. 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 Commercial Crime. It does not identify Baldwin as the risk-bearing insurer for a particular placement. 6,7Company-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 says its crime insurance is available for commercial and governmental entities. Financial-institution bonds are described separately for banks, non-bank lenders, asset managers and insurance companies. 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 professional-services and real-estate pages identify firms and property organizations as clients whose programs may include crime coverage. This does not determine an applicant’s underwriting eligibility. 6,7Company-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 potential crime coverage for loss of money, securities and other assets from dishonesty, theft or fraud, including computer fraud. AIG links a CrimeGuard Choice sample policy; actual terms and state availability vary. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Baldwin lists commercial crime or crime/fidelity as insurance options for the cited commercial sectors. It does not describe a specific crime policy, covered loss trigger, limit or exclusion. 6,7Company-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 reviewed page and linked product overview do not state a standard buyer-specific limit, retention or deductible. Confirm those in the quote and issued policy. 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. 6,7Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources. |
| Risk Services | AIG identifies a dedicated underwriting team and experienced claims professionals for its Crime and Fidelity business. The page does not promise claim outcomes or specify account-level service terms. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Baldwin describes tailored commercial risk guidance, policy planning and claims advocacy for the named practices. It does not claim to adjudicate a carrier’s crime-policy claim. 6,7Company-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 Crime 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.
- Crime and Fidelity Insurance. AIG; Official AIG page, lines 242–270 and 353–354: crime-loss examples, commercial/government entity audience, CrimeGuard Choice sample policy/application, and policy/state availability 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.
- Professional Liability Insurance & Services. The Baldwin Group; Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29. Accessed 2026-09-30.
- Commercial Real Estate Insurance & Risk Management. The Baldwin Group; “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29. Accessed 2026-09-30.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
