AIG vs 
The Baldwin Group: How Do They Compare for Cyber Insurance?
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 Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 7,8
Key Differences in Cyber Insurance
Carrier policy or brokerage placement
AIG markets CyberEdge forms as insurance products and names different coverage structures across its standalone and endorsed options. The Baldwin Group arranges cyber insurance with carriers rather than underwriting every placement. Ask Baldwin to identify the insurer and policy form, then compare its quote with the AIG form that matches your exposure. 3 6
Cyber services and quote preparation
AIG describes threat intelligence, vulnerability alerts and a 24/7 claims hotline. The Baldwin Group describes broker support to assess cyber exposure and gather a submission. Ask the broker which controls and incident history the carrier will require, and ask AIG which of its risk services are available with your selected CyberEdge form. 3 3 6
What to Confirm in Cyber 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: Cyber Insurance: documented features by provider
| Criteria | AIG CyberEdge, CyberEdge Plus and CyberEdge PC | Cyber Advisory and Coverage Options |
|---|---|---|
| Role in This Line | 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. | Confirm in your quote. |
| Who It’s For | 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. | Confirm in your quote. |
| Coverage Features | 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. | The Baldwin Group says typical cyber policies may include breach response and notification costs, business interruption and data recovery, extortion and fraud, third-party network claims, regulatory defense, media liability, and forensic costs. Actual terms, sublimits, and exclusions depend on the policy. 6Company-reported. Educational examples of typical policy coverages, not a promise of coverage under a buyer’s policy. |
| Limits and Retentions | 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. | Confirm in your quote. |
| Risk Services | 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. | The Baldwin Group describes cyber advisory services, access to coverage options, and industry partners. Its reviewed cyber page does not identify an insurer or a specific placement entity; confirm both in the quote or policy. 6Company-reported. Company-reported advisory and market-access description; no carrier, underwriting, or binding authority is established. The Baldwin Group lists cyber risk assessment and peer benchmarking, employee training and mitigation tools, incident-response and claims advocacy, and access to specialized coverage and vendors. 6Company-reported. Company-described service menu; engagement scope and outcomes are not guaranteed. |
| How to Apply | 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. | Confirm in your quote. |
| Claims Support | 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. | Confirm in your quote. |
Full Comparison
More AIG vs The Baldwin Group Comparisons
Other Cyber 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.
- Cyber Insurance — CyberEdge. AIG US; Cyber risk services and hotline, lines 253–284; coverage structure and separate CyberEdge, CyberEdge Plus, and CyberEdge PC descriptions, lines 353–374; AIG cyber claim expenses example, lines 343–352; application/contact materials, lines 358–409; policy-language caveat and legal footer, lines 449–485. 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.
- Cyber Liability Insurance & Risk Management. The Baldwin Group; Cyber, “Proactive Defense” and “Specialized Coverage & Vendor Access” lines 18–24, services lines 63–87; Cyber FAQ typical coverages lines 92–103 and insurer policy changes lines 116–117; page accessed 2026-09-29. Accessed 2026-09-29.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
