AIG vs Cowbell

“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.

Your policy’s named insurer remains responsible for coverage; Cowbell is an insurance platform and agency that may act as a general agent. Cowbell Insurance Agency LLC identifies itself as a US P&C producer. ^16,20,17Company-reported. Cowbell's current U.S. website and producer disclosure; the exact role can vary by product and placement.

Cowbell identifies Zurich as a $60 million Series C investor and partner, while Zurich describes Cowbell as its technology collaborator for Select Plus. The reviewed sources do not describe Cowbell as a Zurich subsidiary or say that Zurich underwrites every Cowbell product. ^19,34,18Company-reported. Ownership and commercial relationship characterization in Cowbell's 26 July 2024 financing announcement and current Zurich Select Plus page; no capitalization table was available.

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.

Small and midsize businesses can compare Cowbell cyber options, while middle-market firms can consider broader programs; Prime 100 targets up to $100 million revenue and Prime 250/Tech up to $1 billion. ^{25,26,27,28,31}Company-reported. Published U.S. product appetites; eligibility is subject to underwriting and product-specific class restrictions.

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.

Buyers work through an insurance agent or broker; appointed agents use Cowbell’s platform to quote, bind and issue eligible products, and no direct-buyer quote path was documented. ^23,16,24,26Company-reported. Current public U.S. buyer and broker paths. This does not establish that every listed agent can access every Cowbell product.

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.

Cowbell pairs cyber coverage with risk ratings, policyholder insights, security connectors, training and resiliency support; included access may be limited or trial-based, while some services require a subscription. ^37,26,30Company-reported. Current U.S. resiliency-services catalogue and cyber product overviews. Eligibility, third-party terms and whether a service is bundled depend on the policy and service agreement.

Ask your agent how to request changes or cancel; Cowbell directs policyholders to agents for cancellations and agents to Cowbell for endorsements. Prime 100 renewal proposals start around 60 days before expiry; Prime 250 requires a signed application and underwriting. ³⁵Company-reported. Current public FAQ for P100 and P250; other products and individual policy terms may use different servicing and renewal procedures.

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.

Cowbell says its in-house cyber claims team and response panel are available 24/7; have your policy number, incident date, details and contact ready. The issuing insurer and policy determine coverage and payment. ^36,26,29Company-reported. Cowbell's current U.S. cyber claims-services page and product overviews; company-reported service description, not an independently measured outcome.