---
title: "AIG vs Gallagher: Representations and Warranties Insurance"
description: "AIG describes shared, layered, and excess R&W structures, while Gallagher also identifies SPAC transactions where it pairs R&W placement with D&O."
canonical: "https://spot.insure/compare/aig-vs-gallagher/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-gallagher"
provider-a: "aig"
provider-b: "gallagher"
coverage-line: "representations-warranties"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/aig-vs-gallagher/representations-warranties)

## Agent Guide

**What this page is:** Focused comparison of AIG and Gallagher for Representations and Warranties Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Representations and Warranties Insurance questions about AIG versus Gallagher. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Gallagher for Representations and Warranties Insurance: how do they differ?
- Which is better for Representations and Warranties Insurance, AIG or Gallagher?
- What does AIG or Gallagher publish about Representations and Warranties Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Representations and Warranties Insurance from AIG or Gallagher?

**Key facts:**
- Line: Representations and Warranties Insurance. Providers: AIG and Gallagher.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Gallagher](https://spot.insure/compare/aig-vs-gallagher) — parent: all coverage lines for this pair
- [Representations and Warranties Insurance guide](https://spot.insure/coverage/representations-warranties) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [AIG vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/aig-vs-gallagher/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Commercial Property Insurance](https://spot.insure/compare/aig-vs-gallagher/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Crime Insurance](https://spot.insure/compare/aig-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Cyber Insurance](https://spot.insure/compare/aig-vs-gallagher/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher D&O Insurance](https://spot.insure/compare/aig-vs-gallagher/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Employee Health Benefits](https://spot.insure/compare/aig-vs-gallagher/employee-health-benefits) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Fidelity Bonds](https://spot.insure/compare/aig-vs-gallagher/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher General Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-gallagher/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Product Recall Insurance](https://spot.insure/compare/aig-vs-gallagher/product-recall) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Tech E&O Insurance](https://spot.insure/compare/aig-vs-gallagher/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-gallagher/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-baldwin/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-beazley/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-cfc/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-chubb/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-corgi/representations-warranties) — sibling comparison (other line, or other pair for this line)

# AIG vs Gallagher: How Do They Compare for Representations and Warranties Insurance?

AIG describes shared, layered, and excess R&W structures, while Gallagher also identifies SPAC transactions where it pairs R&W placement with D&O.

## How to Use the AIG vs Gallagher Representations and Warranties Insurance Comparison

Use this comparison to evaluate AIG and Gallagher for Representations and Warranties Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## AIG vs Gallagher Representations and Warranties Insurance Summary

AIG describes transaction structures for R&W coverage; Gallagher names a specific SPAC use case spanning IPO and de-SPAC business combinations. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [5](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [7](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [8](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance") [10](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [11](https://www.coverdash.com/coverage/transactional-risk "Transactional Risk Insurance")

## What Are the Key Differences Between AIG and Gallagher 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](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Should You Confirm in AIG and Gallagher Representations and Warranties Insurance Quotes?

- Ask Gallagher whether the SPAC R&W and D&O work is coordinated in one timeline and what its attorneys handle through closing. [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask AIG for the specific issuing entity, selected structure, and claims contact for the transaction. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance")

## AIG vs Gallagher Representations and Warranties Insurance Compared

| 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |

## Related Pages for AIG vs Gallagher Representations and Warranties

- [AIG vs Gallagher](https://spot.insure/compare/aig-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Representations and Warranties Insurance?](https://spot.insure/coverage/representations-warranties): Representations and warranties insurance can cover loss from inaccurate statements in a business purchase agreement; known issues and purchase-price disputes require separate review.
- [AIG vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/aig-vs-gallagher/commercial-auto)
- [AIG vs Gallagher Commercial Property Insurance](https://spot.insure/compare/aig-vs-gallagher/commercial-property)
- [AIG vs Gallagher Crime Insurance](https://spot.insure/compare/aig-vs-gallagher/crime)
- [AIG vs Gallagher Cyber Insurance](https://spot.insure/compare/aig-vs-gallagher/cyber)
- [AIG vs Gallagher D&O Insurance](https://spot.insure/compare/aig-vs-gallagher/directors-officers)
- [AIG vs Gallagher Employee Health Benefits](https://spot.insure/compare/aig-vs-gallagher/employee-health-benefits)
- [AIG vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/employment-practices)
- [AIG vs Gallagher Fidelity Bonds](https://spot.insure/compare/aig-vs-gallagher/fidelity-bonds)
- [AIG vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/fiduciary)
- [AIG vs Gallagher General Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/general-liability)
- [AIG vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-gallagher/kidnap-ransom)
- [AIG vs Gallagher Product Recall Insurance](https://spot.insure/compare/aig-vs-gallagher/product-recall)
- [AIG vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-gallagher/professional-errors-omissions)
- [AIG vs Gallagher Tech E&O Insurance](https://spot.insure/compare/aig-vs-gallagher/technology-errors-omissions)
- [AIG vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/umbrella-excess)
- [AIG vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-gallagher/workers-compensation)
- [AIG vs The Baldwin Group Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-baldwin/representations-warranties)
- [AIG vs Beazley Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-beazley/representations-warranties)
- [AIG vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/representations-warranties)
- [AIG vs CFC Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-cfc/representations-warranties)
- [AIG vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-chubb/representations-warranties)
- [AIG vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-corgi/representations-warranties)

## Sources for AIG vs Gallagher Representations and Warranties Insurance

### Sources About AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Representations & Warranties Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties). 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

4. [Technology Insurance](https://www.ajg.com/industries/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.
5. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
6. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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.
7. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
8. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/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

9. [Transaction liability insurance | Representation and indemnities insurance](https://www.cfc.com/en-us/products/class/transaction-liability/). 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.
10. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16.
11. [Transactional Risk Insurance](https://www.coverdash.com/coverage/transactional-risk). Coverdash; Transactional risk insurance; representations and warranties coverage; buy-side policies; tax and contingent liability products. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Review Scores for 2026

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Gallagher Review Scores for 2026

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/gallagher/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-gallagher/representations-warranties.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
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