AIG vs Coverdash: How Do They Compare for Cyber Insurance?

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.

Coverdash arranges cyber coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^6,7Company-reported. General brokerage terms applied to the cyber page; not specific to any one carrier or state.

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The cyber page does not name the insurer that issues the policy. ⁷Not publicly disclosed. Reviewed cyber page as of 2026-09-23; the page describes coverage without naming a specific carrier.

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.

Coverdash markets cyber coverage to any business that collects data, takes payments online, or relies on software, regardless of industry. ⁷Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

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.

Coverdash describes cyber coverage as including data-breach response (notification, credit monitoring and forensics), ransomware (negotiation and restoring systems), business-interruption income loss during an attack-driven outage, and legal defense and settlements for lawsuits after a data exposure. ⁷Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

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.

The cyber page does not publish specific limit, retention or deductible amounts, or a separate sub-limit for ransomware versus breach-response costs. ⁷Not publicly disclosed. Reviewed cyber page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

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.

The reviewed cyber page does not describe security-monitoring or other risk-management services made available to policyholders; it describes only post-incident response coverage. ⁷Not found in reviewed sources. Cyber product page as read on 2026-09-23.

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.

Coverdash describes a fully digital quote-to-purchase process for cyber coverage, with the option to add other coverages alongside it. ⁷Company-reported. Product-page company information and cross-sell section.

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.

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