Introduction
A business with a broker placing commercial lines across AIG affiliates can ask which company writes each risk; a small business wanting a direct quote can compare biBerk's available products. 18 16 4 1 3
Coverage Comparison
| Coverage | AIG | biBerk |
|---|---|---|
| Builders risk | Listed AIG Builders Risk | Not listed |
| Business owner’s policy | Not listed | Listed 21 |
| Cargo and transit | Listed AIG Ocean Cargo | Not listed |
| Commercial auto | Listed AIG Truck Insurance Group commercial auto (scoped to for-hire trucking) | Listed 23 |
| 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 20 |
| 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) | Listed 26 |
| 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 28 |
| 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. | Not listed |
| 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) | Listed 22 |
| Workers’ compensation | Listed AIG Workers’ Compensation options by distinct channel | Listed 27 |
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
CarrierCarrier & MGA
No Spot Score
Assessment subject unavailable
biBerk
CarrierCarrier & MGA
No Spot Score
Assessment subject unavailable
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 reviewsbiBerk
Review Score
3 rated sources
Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.[4][1]
Read biBerk reviewsKey Differences Between biBerk and AIG
Channel and Insurer Roles
AIG is a marketing name for worldwide operations, with U.S. insurance written by subsidiaries and affiliates. biBerk sells small-business products directly, although its site disclosure does not identify the issuer for a specific policy. 16 18 17 1 4
Coverage and Business Fit
The current catalogues both list Cyber liability, Professional errors and omissions (E&O). Shared labels make these useful lines to request side by side; they do not show that limits, exclusions, deductibles or forms match. biBerk offers common small-business policies and describes cyber as an add-on to certain base policies. AIG’s coverage catalogue and product descriptions should be checked against the specific exposure you are buying for, especially cyber liability. 26 20 28 8 10
Application and Ongoing Service
biBerk describes a direct online small-business quote and payment path. AIG's U.S. commercial route uses brokers and agents; its portals support producer activity rather than a general buyer self-serve quote. 19 4 18
What to Confirm in Quotes
- Can both providers quote Cyber liability, Professional errors and omissions (E&O) with the same limits, deductibles, exclusions and policy period? Ask for the forms with each proposal.
- Who is the licensed producer or broker on each quote, which insurer issues each policy, and where do you send a claim notice? Ask which AIG legal insurer writes each proposed line, which broker entity submits it, and what compensation and claim-notice obligations apply. 1 4 3
- What premium, taxes, fees and commissions apply to the exact risk and term? Do not compare sample prices or payment methods without the same limits and coverage terms.
Compare Services
What each provider documents about the services you may need
| Criteria | AIG | biBerk |
|---|---|---|
| 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. | biBerk says it sells small-business insurance directly without an insurance broker. This is its company-reported channel description. Its California/Massachusetts notice names four insurers collectively as issuing most policies and lists each insurer’s licensed jurisdictions, but does not identify the insurer for a particular transaction, product, or policy or guarantee product availability in a jurisdiction. 16,17Company-reported. Company-reported description of biBerk’s U.S. small-business sales channel on its About page; not a claim about every transaction, product route, producer role, or policy issuer. |
| 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. | biBerk describes an online path in which a business answers questions, chooses coverage, and pays online; it also says applicants can speak with an insurance expert. Its homepage says availability depends on the state and type of insurance; the description does not establish that every applicant can complete or bind online. 18,16Company-reported. Company-described online quote and purchase route and expert assistance for U.S. small-business applicants. The homepage states that availability depends on state and type of insurance; this is not a claim that every applicant can complete an online purchase or bind coverage. |
| 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. | biBerk targets small businesses across varied industries and lists examples such as accounting, food service, retail, and transportation. The homepage FAQ says availability depends on the state and type of insurance; the industry list is illustrative, not an eligibility guarantee. 18,16Company-reported. U.S. small-business audience and examples on biBerk’s national site; examples are illustrative. The homepage says availability depends on the state and type of insurance; listed categories do not establish individual eligibility. |
| 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. | biBerk’s policyholder support page lists online routes for policy changes, business and driver updates, payments, certificates, renewal or reinstatement requests, and claims. The page does not establish turnaround time, approval, or eligibility for a requested change or renewal. 19Company-reported. Tasks and online routes listed on the public U.S. policyholder support page; not a service-level, approval, or renewal-eligibility claim. |
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.
biBerk Official Website
- About biBerk | Making Small Business Insurance Simple. biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
- Small Business Insurance From biBerk | Read Disclosures. biBerk; California/Massachusetts applicants and insureds notice: collective insurer statement and no-guarantee qualification, lines 73–75; each insurer’s NAIC code, domicile, and licensed jurisdictions, lines 76–88. Accessed 2026-09-28.
- Small Business Insurance From biBerk | Get A Quote Online. biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
- biBerk Support | Small Business Insurance. biBerk; Common Support Requests, My Policy and Start a Claim routes, lines 47–75. Accessed 2026-09-28.
- Cyber Insurance & Data Breach Coverage for Business | biBerk. biBerk; “What is data breach insurance and Cyber insurance add-on coverage?” (lines 76–78); “Cyber Insurance Add-on Coverage” (lines 103–107); attach options reiterated at lines 160–162. Accessed 2026-09-29.
- Get A biBerk Business Owners Policy | Fast Online Quote. biBerk; “What is a Business Owners Policy?” (lines 77–80); liability and property examples (lines 104–146); endorsements (lines 182–205). Accessed 2026-09-29.
- Umbrella Insurance From biBerk | Get Coverage Today. biBerk; “How does Umbrella insurance work?” (lines 87–96): appropriate underlying liability policy and its limits must be reached; example at lines 97–99. Accessed 2026-09-29.
- Commercial Auto Insurance From biBerk | Get Coverage Online. biBerk; “What does Commercial Auto insurance cover?”: bodily injury, property damage, medical payments/no-fault, uninsured motorist, comprehensive and collision examples (lines 116–148). Accessed 2026-09-29.
- Small Business Insurance From biBerk | Read Disclosures. biBerk; Notice to California and Massachusetts Applicants and Insureds: four insurers collectively issue most policies, no-guarantee limitation, company codes, domicile and licensed jurisdictions, lines 73–88. Accessed 2026-09-29.
- About biBerk | Making Small Business Insurance Simple. biBerk; Official page title and body identify the biBerk brand and link to biBerk.com; accessed for brand capitalization and site identity only. Accessed 2026-09-29.
- General Liability Insurance From biBerk | Get A Quote Today. biBerk; Small-business General Liability product and online/phone quote route (lines 73–79); state availability FAQ (lines 231–233). Accessed 2026-09-29.
- Workers’ Compensation Insurance From biBerk | Get A Quote. biBerk; Workers’ Compensation product, quote and purchase routes (lines 73–81, 93–100); work-injury coverage description (lines 102–104). Accessed 2026-09-29.
- Professional Liability Insurance | Talk To biBerk. biBerk; Professional Liability/E&O product and online/phone quote and purchase route (lines 73–88). Accessed 2026-09-29.
- biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront. NerdWallet; “BiBerk pros and cons” (lines 337–343) and “Lots of complaints filed with state regulators” (lines 355–360); rating-factor methodology, including the 2022–2024 commercial general liability/property complaint finding and lowest possible complaint-factor score (lines 376–383); review updated February 13, 2026. Accessed 2026-09-29.
