AIG vs 
Chubb: How Do They Compare for Workers’ Compensation 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 Chubb?
Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. 5,6,7
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 9,10,11,12
Key Differences in Workers’ Compensation Insurance
Business size and program design
AIG describes customized structures for organizations that retain risk through deductibles, self-insured retentions, captives, or retrospective programs. Chubb says its small-business workers’ compensation serves companies with one employee through $30 million in revenue and can pair with a Chubb BOP. Ask Chubb whether your revenue and class fit; ask AIG whether a retained-risk structure is appropriate. 3 8
Claims services and response
Chubb describes nurse case managers, return-to-work support, pharmacy management, provider networks, and an adjuster-contact commitment within 24 hours after a lost-time claim assignment. AIG describes claims specialists and litigation management in its casualty services. Ask Chubb which services apply to your policy and AIG what claims team would handle its placement. 3 8
What to Confirm in Workers’ Compensation 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 reviewsChubb
Review Score
5 rated sources
Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.[1][4][7][8][9]
Read Chubb reviewsOffering Details
AIG vs Chubb: Workers’ Compensation Insurance: documented features by provider
| Criteria | AIG Workers’ Compensation Insurance | Chubb Small Business Workers' Compensation Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. 8Company-reported. Workers' Compensation for Small Business product page. |
| Who It’s For | AIG Risk Management describes customized workers’ compensation program structures for sophisticated organizations that retain portions of their risk through deductibles, self-insured retentions, captives or retrospective programs. 3Company-reported. AIG Risk Management structures for sophisticated organizations that retain some risk. Claim limitation: The source does not connect the separate general casualty risk-consulting/loss-control section to these workers’ compensation structures; it does not establish universal small-business availability, a specific issuing entity or state availability. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Chubb says this policy covers small businesses with as little as one employee up to $30 million in revenue, across a wide range of classes including technology. 8,5Company-reported. Coverage-highlights list on the small-business workers' compensation page. |
| Coverage Features | AIG includes workers’ compensation in corporate casualty solutions for organizations across sectors and sizes. 3Company-reported. AIG corporate casualty segment. Claim limitation: Does not identify specific issuing entity or all states. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. AIG lists workers compensation among the coverages in its nationwide Motorsports Program for motorsports owners, tracks and teams. 4Company-reported. AIG Programs MotorSports Program. Claim limitation: This is a single niche program; it does not establish availability to other employers. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Chubb lists coverage for medical expenses and lost wages, a waiver of subrogation option, various employer liability limits, and occasional international travel coverage available through a foreign package policy. 8Company-reported. Coverage-highlights list; specific options depend on the issued policy. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish specific dollar limits for medical expense or employer liability coverage, describing employer liability limits only as "various." 8Not found in reviewed sources. Workers' Compensation for Small Business page as read on 2026-09-23. |
| Risk Services | Confirm in your quote. | Chubb describes internal nurse case managers, a return-to-work program, pharmacy benefit management, preferred-provider network access, and a Special Investigative Unit for suspected fraud as part of its workers' compensation claims service. 8Company-reported. Exceptional Service section of the small-business workers' compensation page; company-described service program. |
| How to Apply | Confirm in your quote. | You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. 8Company-reported. Small-business workers' compensation page quote call-to-action for business owners and for agents and brokers. |
| Claims Support | Confirm in your quote. | Chubb says it commits to adjuster contact within 24 hours of receiving a lost-time claim assignment, offers simple online claims reporting, and re-prices every medical bill according to each state's fee schedule. 8Company-reported. Exceptional Service section; company-reported service commitments, not an independently verified outcome. |
Full Comparison
More AIG vs Chubb Comparisons
Other Workers’ Compensation 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.
- Casualty Insurance - Business Casualty Risk Solutions | AIG US. AIG US; Corporate Accounts; Truck Insurance; AIG Risk Management; AIG Risk Management program structures, lines 293–297. Accessed 2026-09-28.
- AIG Programs Insurance | AIG US. AIG US; MotorSports Program, coverage specifics and location (lines 526–543). Accessed 2026-09-28.
Chubb
- Insurance for Technology Companies. Chubb; Products and services list naming workers' compensation among Chubb's technology-industry offerings. Accessed 2026-09-23.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Workers' Compensation Insurance for Small Business. Chubb; Small Business Workers' Compensation Coverage Highlights; Exceptional Service; Total Account Solution. Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
