AIG vs 
Coalition
Coalition centers its public offer on cyber risk services and optional technology errors-and-omissions cover through an appointed broker. AIG publishes a wider commercial portfolio and broker tools, but its public portal does not show direct purchase or identify the issuer for an individual policy. 16,28,4
Introduction
If your company sells software or technology services, Coalition’s public materials explain a broker-led cyber and optional Tech E&O route, including the information needed to add the latter. AIG offers a broader commercial portfolio, but the public portal is for brokers and agents and does not identify the insurer for your specific quote. Ask both for the issued form, insurer and any cyber/E&O combination before comparing limits. 16 27 4
Coverage Comparison
| Coverage | AIG | Coalition |
|---|---|---|
| Builders risk | Listed AIG Builders Risk | Not listed |
| Cargo and transit | Listed AIG Ocean Cargo | Not listed |
| Commercial auto | Listed AIG Truck Insurance Group commercial auto (scoped to for-hire trucking) | Not listed |
| Commercial property | Listed AIG Commercial Property / Retail Property | Not listed |
| Crime | Listed AIG Crime Insurance / CrimeGuard Choice | Listed 20Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations. |
| Cyber liability | Listed AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct) | Listed 22Coalition offers cyber insurance. |
| Directors and officers | Listed AIG Directors & Officers Liability | Listed 20Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations. |
| Employee health and benefits | Listed AIG Medical Indemnity supplemental group health benefit | Not listed |
| Employment practices liability | Listed AIG Employment Practices Liability Insurance | Listed 20Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations. |
| 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 | Listed 20Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations. |
| General liability | Listed AIG Programs general liability (three separate program scopes) | Not listed |
| 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) | Listed 33Coalition identifies media liability within its Active Cyber policy. |
| 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 21Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. |
| 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. | Listed 16Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. |
| 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) | Not listed |
| Workers’ compensation | Listed AIG Workers’ Compensation options by distinct channel | Not listed |
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
Coalition
Hybrid providerBroker
6.1/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.
Carrier & MGA
6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.
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 reviewsCoalition
Review Score
1 rated source
Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.[10][14][13]
Read Coalition reviewsKey Differences Between AIG vs Coalition
Provider role and fit
“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.
Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. 17,22Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
AIG is an insurance group whose U.S. policies may be written by different subsidiaries or affiliates. Coalition describes cyber insurance paired with risk-management services and a U.S. producer/broker role. For a technology buyer, those are different parts of the placement: ask AIG’s producer to name the legal insurer and ask Coalition which insurer would issue the Tech E&O portion. 1 2 17
Application and eligibility
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.
To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. 27Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
Coalition says an appointed broker is required and asks technology applicants for product or service details and contract answers; some applications need review before pricing. AIG lists broker/agent access to applications and policy tools, but its public pages do not publish a particular product’s intake checklist or eligibility. Plan around the insurer’s required submission, not a generic portal or quote estimate. 28 27 4
Risk services, claims and cost
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.
Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. 23Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
Coalition says policyholders can use its Control monitoring features at no additional cost, while other security products are sold separately; its claims team describes cyber triage and attempts to recover stolen funds, not guaranteed claim outcomes. AIG lists broker-facing tools for policy documents, applications and loss runs, plus online claim reporting and tracking for named property and casualty lines, with options varying by line and country. AIG’s broker-compensation disclosure also allows commissions and contingent compensation. Ask which services are included with the quoted policy, who receives notice, and what compensation applies to your placement. 23 24 4 5 6
What to Confirm in Quotes
- Which insurer and policy form will cover your technology services, and is Tech E&O an endorsement or separate coverage? 16 2
- What submission materials and broker appointment are required, and what remains before coverage can start? 27 4
- Which security services, claim-reporting channels and producer compensation apply to the final placement? 23 19 6
Compare Services
What each provider documents about the services you may need
| Criteria | AIG | Coalition |
|---|---|---|
| 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. | Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. 17,22Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Before relying on a California quote, check the current producer authority: Coalition lists CIS license 0L76155, a company disclosure not independently confirmed with the state regulator. 17Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Coalition Security or independent providers may deliver security services; Coalition’s legal page identifies Coalition Incident Response, Inc. as its operator and says this entity is not an insurer. 17Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. |
| 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. | Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. 16Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Large businesses can compare Coalition’s Active Cyber for Enterprises with Allianz; the minimum revenue and underwriting criteria mean startups should not assume they qualify. 32Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. |
| 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. | You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. 28Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. 27Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. |
| 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. | Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. 23Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Plan renewal work early: Coalition says cyber renewals start 90 days before expiry and may be Automatic, Express or Standard. Express renewals need your responses, Standard renewals need a bind order and an updated signed application, and automatic renewal does not guarantee the same premium. 30Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. |
| Claims assistance | 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-reported. AIG's stated IntelliRisk claim portal functions for named primary property/casualty lines. This does not describe every commercial line, claim outcome, or policy obligation. | Coalition describes in-house cyber triage and attempts to recover stolen funds, with the same team handling Tech E&O; these service descriptions do not establish response quality or payment for a loss. 24,16Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. |
| Fees and compensation | AIG says its companies compensate brokers and independent agents with commissions set at policy purchase, renewal, placement, or servicing, and may also pay contingent compensation. Specific compensation varies; the disclosure directs buyers to their broker or agent for policy-specific information. 6Company-reported. AIG's disclosure for business placed by brokers and independent agents with U.S. AIG offices issuing policies in the United States and territories for specified lines; its ranges describe business written in 2024 and exclude stated categories. Not a statement of any buyer's commission or total insurance cost. | Your broker may receive a premium-based commission plus contingent commissions, placement incentives or cybersecurity-sales compensation, according to Coalition; ask how your placement is compensated. 19Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Coalition says it keeps part of earned premium for operations and broker commissions, and may receive additional insurer payments tied to annual portfolio loss ratios. 31Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Get the full price and broker compensation in writing; reviewed disclosures do not state a startup quote’s commission rate, fee or premium. 19,31Not publicly disclosed. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. |
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.
Coalition Official Website
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- Licenses and Carriers. Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
- U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Executive Risks. Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
- Miscellaneous Professional Liability. Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
- Active Cyber Insurance. Coalition; Active Cyber Insurance; Coverage Advantage: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud, business interruption. Accessed 2026-09-16.
- Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
- Cyber Insurance Claims Experience. Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
- Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- How to add Tech E&O coverage to a Coalition quote. Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
- Does Coalition offer Excess coverage? Coalition; Where do I send my excess submissions?; What excess products does Coalition offer, and in what regions? (excess Cyber Surplus in the US and Canada; excess Tech E&O and MPL combined with cyber, US only). Accessed 2026-09-16.
- How do Cyber renewals work at Coalition? Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
- How does Coalition make money? Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
- Active Cyber Insurance for Enterprises. Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
- Coalition AI Coverage. Coalition; Coverage in Action table, including the Defamation row (Media Liability insuring agreement); Deepfake Response; policy disclaimers. Accessed 2026-09-16.
