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 Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 4,5,6,7,8
Read the Gallagher Representations and Warranties Insurance page
What Is Representations and Warranties Insurance?
Representations and warranties insurance can cover a buyer’s or seller’s loss from inaccurate statements in a stock or asset purchase agreement. For a business sale, check who is insured, who can recover and how known issues are treated. 9,10,11
Key Differences in Representations and Warranties Insurance
Transaction structures and SPAC work
AIG says its R&W product may protect against loss from breached seller representations and can be arranged as shared, layered, or excess coverage. Gallagher describes analysis, custom policy forms, and pre-transaction diligence for buyer and seller placements, and separately markets R&W with D&O for SPACs across the IPO and de-SPAC process. A SPAC team can therefore ask Gallagher how its combined transaction work coordinates the policies, while any buyer should ask AIG how the chosen layer aligns with the deal's indemnity. 3 6
Specialist support
AIG names M&A underwriters and dedicated claims professionals for complex transactional disputes. Gallagher says dedicated attorneys assist with transactional insurance placements from start to finish. These are different stated support roles: underwriting and claims expertise at AIG, and legal assistance during Gallagher's brokerage placement. A deal team should establish who will own diligence questions and post-bind claim coordination. 3 6
What to Confirm in Representations and Warranties Insurance Quotes
AIG and Gallagher Review Scores for 2026
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
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 reviewsGallagher Review Score
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsAIG vs Gallagher Representations and Warranties Insurance Compared
AIG vs Gallagher: Representations and Warranties Insurance: documented features by provider
| Criteria | AIG Representations and Warranties Insurance | Gallagher M&A Transactional Insurance (Representations and Warranties) |
|---|---|---|
| Role in This Line | AIG markets a transaction-specific R&W product and says coverage is written through AIG non-admitted carriers only. The particular issuing entity must be confirmed in the buyer’s transaction documents. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Gallagher's Executive and Financial Risk practice places representations and warranties (R&W) insurance for mergers and acquisitions with outside carriers; it does not underwrite the policy. 6Company-reported. Group-level executive-and-financial-risk practice page. |
| Issuing Insurer | Confirm in your quote. | The executive-and-financial-risk page does not name the insurer that would issue a given transaction's R&W policy. 6Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| Who It’s For | AIG describes R&W insurance for buyers or sellers in merger and acquisition transactions and publishes a deal-size range as a marketing guide. That range is not an eligibility promise for a particular transaction. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Gallagher also markets R&W insurance specifically to special-purpose acquisition companies (SPACs), bundling it with D&O coverage across the IPO and de-SPAC process for the business combination. 6Company-reported. Group-level executive-and-financial-risk practice page, SPAC subsection. |
| Coverage Features | AIG says the product may protect against financial loss from breach of sellers’ representations and warranties. The page lists shared, layered and excess structures; policy wording and transaction diligence control the actual coverage. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Gallagher describes providing analysis, custom policy forms and pre-transaction diligence to select markets and deliver R&W and tax-mitigation coverage for both buyers and sellers in M&A deals. 6Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. |
| Limits and Retentions | AIG advertises limits up to $100 million per transaction and a typical retention reference of 1.0% of enterprise value dropping to 0.5% after 12 months. These are published product parameters, not a buyer-specific quote or guarantee. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The page does not publish specific R&W limits, retentions or premium ranges. 6Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| Risk Services | AIG describes M&A underwriters, prompt transaction support, multinational expertise and dedicated claims professionals for complex transactional disputes. These services are not a promise to accept or pay a claim. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Gallagher says it has several dedicated attorneys who assist with M&A transactional insurance placements, including R&W, from start to finish. 6Company-reported. Group-level executive-and-financial-risk practice page. |
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Sources for AIG vs Gallagher Representations and Warranties Insurance
Sources About 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.
- Representations & Warranties Insurance. AIG; Official AIG R&W page: M&A buyer/seller audience, advertised transaction size and capacity, typical retention, admitted basis caveat, claims and multinational transaction support; standard policy caveat. Accessed 2026-09-30.
Sources About Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; M&A Transactional Insurance, including Representations and Warranties and Tax Mitigation Insurance section; Special-Purpose Acquisition Companies (SPACs) section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Sources for the Representations and Warranties Insurance Guide
- Transaction liability insurance | Representation and indemnities insurance. CFC; What are representations and warranties?; Who should buy representation and warranty insurance?; Available to buyers & sellers; Limited seller security; Is transaction liability insurance available to sellers. Accessed 2026-09-16.
- Mergers & Acquisitions. Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16.
- Transactional Risk Insurance. Coverdash; Transactional risk insurance; representations and warranties coverage; buy-side policies; tax and contingent liability products. Accessed 2026-09-16.
