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 biBerk Insurance?
biBerk focuses on small businesses and describes a direct online path to answer business questions, choose coverage and pay, with an insurance expert available to help. Before you plan around online checkout, confirm that your state and the insurance you need are supported; biBerk says availability depends on both. 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
Large-account form structure and small-business channel
AIG describes CyberEdge forms for organizations, including standalone and endorsed routes. biBerk directs small-business buyers through its online quoting process for cyber coverage. If your business is small and wants a digital application, ask biBerk which insurer issues the quote; larger or more complex buyers can ask AIG which CyberEdge form and underwriting path applies. 3 6
What the coverage descriptions establish
AIG's product summary names breach response, data restoration, network interruption and cyber extortion for CyberEdge, with different purposes for Plus and PC. biBerk's overview describes cyber liability for small businesses but does not publish comparable line-item grants in the reviewed claim. Ask biBerk for its policy form, limits and treatment of first-party response costs before comparing prices. 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 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 reviewsOffering Details
AIG vs biBerk: Cyber Insurance: documented features by provider
| Criteria | AIG CyberEdge, CyberEdge Plus and CyberEdge PC | biBerk Cyber Insurance Add-on |
|---|---|---|
| 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. | biBerk sells cyber/data-breach protection as an add-on to GL, Professional Liability or BOP, rather than presenting it as a stand-alone product on this page. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business cyber endorsement. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk says first-party cyber response expenses may be covered with the GL or BOP cyber add-on; affected-person services such as identity restoration and monitoring are available only with the BOP add-on. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: first-party data-breach expenses. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; service and expense availability depends on selected base policy, limits, jurisdiction and issued terms. biBerk describes third-party cyber defense and liability costs for covered data events. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: third-party cyber liability. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
| 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. | biBerk publishes an example base cyber package with $50,000 response expense and $50,000 defense liability limits. 6Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: base add-on example limits. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
| 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. | Confirm in your quote. |
| 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 biBerk 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.
biBerk
- 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.
- 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.
- Cyber Insurance & Data Breach Coverage for Business | biBerk. biBerk; Cyber add-on coverage, costs and claims. Accessed 2026-09-28.
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.
