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 Corgi Insurance?
Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. 4,5,6,7,8
What Is Cargo and Transit Insurance?
Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. 10,11,12,13
Key Differences in Cargo and Transit Insurance
Annual Program Categories and Per-Load Cover
AIG names importers, exporters, manufacturers, wholesalers, and distributors, with general, bulk, and project cargo and related stock-throughput structures. Corgi’s product is contractual liability cargo bound one haul at a time for trucking operators, and its page says it can supplement or replace an annual cargo policy. A fleet should decide whether it needs continuous shipment protection or only selected loads before comparing these different buying units. 3 9
Placement and Binding Speed
AIG describes ocean cargo and related global or captive solutions, but its product page does not identify the insurer for a particular buyer. Corgi advertises that an operator can quote, bind, and obtain a certificate in minutes for an individual load. That speed does not make per-load cover equivalent to a standing annual program; confirm each load is bound before pickup. 3 9
What to Confirm in Cargo and Transit 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 reviewsCorgi
Review Score
The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.[4][8]
Read Corgi reviewsOffering Details
AIG vs Corgi: Cargo and Transit Insurance: documented features by provider
| Criteria | AIG Ocean Cargo Insurance | Corgi Trucking Per-Load Cargo Insurance |
|---|---|---|
| Role in This Line | AIG markets Ocean Cargo insurance and related global/captive solutions. The page does not name the issuing subsidiary for a particular buyer’s policy. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Corgi's cargo insurance for trucking operators is a per-load product (contractual liability cargo coverage bound one haul at a time) offered on trucking.corgi.insure, a separate site from the startup-insurance product pages on corgi.insure. 9,5Company-reported. Page metadata and site structure as observed on 2026-09-23. The trucking site is a JavaScript-rendered application; the reviewed pages returned only page metadata, not the full body content. |
| Issuing Insurer | Confirm in your quote. | The reviewed page content does not name the insurer or underwriting entity for per-load cargo coverage; the trucking site's disclosures were not reachable without executing its client-side application. 9Not publicly disclosed. trucking.corgi.insure/insurance/per-load-cargo as fetched on 2026-09-23. Corgi's main-site disclaimers page names Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as underwriters for its startup product lines, but nothing in the reviewed sources ties that disclosure to the separately branded trucking product. |
| Who It’s For | AIG names importers, exporters, manufacturers, wholesalers, and distributors with international transit exposures, including containerized general cargo, bulk/break-bulk and project cargo. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Confirm in your quote. |
| Coverage Features | AIG describes protection for goods moved across land, sea or international borders and lists general cargo, bulk/break-bulk and project cargo. It also lists stock-throughput, captive/fronting and logistics package structures; those examples do not settle any buyer’s policy scope. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Corgi says the per-load cargo product can replace or supplement a trucking operator's existing annual cargo policy, implying it is meant for single-haul or overflow coverage rather than as a standalone annual policy. 9Company-reported. Page metadata for trucking.corgi.insure/insurance/per-load-cargo; specific covered perils, commodity exclusions and per-load limits were not accessible in the reviewed page content. |
| Limits and Retentions | The page advertises $50 million transit capacity and $50 million storage/warehouse capacity, with natural-catastrophe sublimits stated as $10 million per occurrence and annual aggregate. These are advertised capacity figures, not an individual quote or policy limit. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Confirm in your quote. |
| Risk Services | AIG lists route, conveyance, packaging and security consultations, marine loss-control engineering, and claims support. Its Marine Claims Promise is conditional on confirmed coverage and applies to specified expense categories and agreed loss estimates. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Corgi advertises that a trucking operator can quote, bind and get a certificate of insurance (COI) for per-load cargo coverage in minutes. 9Company-reported. Marketing claim from page metadata; quote speed is not independently verified and is not the same as coverage being bound for a specific load. |
Full Comparison
More AIG vs Corgi Comparisons
Other Cargo and Transit 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.
- Ocean Cargo Insurance. AIG; Official AIG Ocean Cargo page, lines 242–285: target classes, cargo types, program structures, stated capacity, route consultation, claims promise and policy caveat. Accessed 2026-09-30.
Corgi
- Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Site-wide navigation link to trucking.corgi.insure, the separate trucking-insurance property that hosts the Auto Liability and Per-Load Cargo product pages. Accessed 2026-09-23.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
- Per-Load Cargo Insurance | Corgi Trucking Insurance. Corgi Trucking (trucking.corgi.insure); Page title and meta/OpenGraph description: 'Per-load cargo insurance that can replace or supplement your annual policy. Quote, bind, and get your COI in minutes.'. Accessed 2026-09-23.
Cargo and Transit Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Shipping Options. International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
- Special Documents. International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
- Motor Truck Cargo Legal Liability Coverage. American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16.
