AIG vs CFC: How Do They Compare for Business Insurance?

“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-reportedAIG 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.

CFC can quote specialist cover as an MGA, meaning it performs some underwriting functions for insurers that carry the risk. Its disclosures identify CFC Underwriting Limited and U.S. producer CFC USA, Inc.; the CFC brand is not the insurer name on every policy. ^20,19Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

CFC describes an MGA that performs some underwriting functions for insurers and identifies CFC Underwriting Limited and CFC USA, Inc. in its disclosures. AIG’s U.S. insurer list also spans affiliates without assigning one to the proposed policy. Confirm the U.S. producer, delegated authority and risk-bearing company on the quote and binder. ^19 2

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-reportedAIG’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.

Startups through multinationals can ask CFC about technology coverage, including before generating revenue; the stated audience does not guarantee a particular business will qualify. ¹⁶Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

CFC says technology buyers can range from startups to multinationals, including pre-revenue firms, but that audience statement is not a promise of acceptance. AIG’s broad size range does not establish technology-specific eligibility. Give each underwriter the same information about revenue, products, security controls, contracts and prior incidents. ^16 3

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-reportedPublicly 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.

A senior staff member should expect to complete the technology application and send it to a broker; it asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history. CFC Connect separately supports broker trading and appointments. ^18,21Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

CFC’s technology application asks a senior staff member about revenue, funding, products, contracts, security, intellectual property and claims history; CFC Connect separately supports broker trading. AIG’s portal page describes broker and agent tools but does not publish the submission checklist for a selected line. Ask who completes each form and what documents are required before the quote is considered complete. ^18 21 4

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-reportedPublic description of a North America broker/agent portal; authenticated functions and account-specific availability were not reviewed.

Agree on renewal timing, certificate turnaround and account support before choosing CFC; reviewed materials do not specify those commitments for California technology buyers. ^21,18Not publicly disclosedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

AIG lists broker access to documents and loss runs, without specifying renewal commitments on that page. CFC’s reviewed material does not set renewal timing or certificate turnaround for California technology buyers. Confirm the account contact, renewal calendar and service commitments rather than inferring them from portal access. ^4 21 18

AIG says insureds and brokers can report primary property or casualty claims online for Auto Liability, General Liability, Property, and Aerospace, attach documents, and track adjuster assignment and claim closure. AIG says options vary by line and country. ⁵Company-reportedAIG's stated IntelliRisk claim portal functions for named primary property/casualty lines. This does not describe every commercial line, claim outcome, or policy obligation.

Cyber buyers can get threat monitoring, alerts, a response app and round-the-clock technical incident support according to CFC; check the proposed policy for access, scope and conditions. ²²Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

CFC describes threat monitoring, alerts, a response app and round-the-clock technical incident support for cyber buyers; verify access conditions in the proposed policy. AIG’s IntelliRisk page describes reporting and tracking for named primary property and casualty lines, with features varying by line and country. Compare response services separately from insurance limits and claim-payment obligations. ^22 5

You can report a claim through CFC’s form, email or phone; cyber incidents also have a separate phone route and app. These are notification channels, not a promise about payment speed or outcome. ²³Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

The CFC channels listed for notification include a form, email or phone, with separate routes for cyber incidents. These are contact methods rather than a promise about payment speed. For AIG, confirm whether the selected line and country are supported by the portal; for either policy, follow the notice clause and consent requirements. ^23 5

• –Which legal insurer will issue the policy, and which entity has authority to quote and bind it? ^19 2
• –What technology application, security documentation and renewal timeline does the underwriter require? ^18 4
• –Which monitoring and incident-response services are included, and what notice or consent steps apply to a cyber claim? ^22 23 5