---
title: "AIG vs Heffernan Insurance Brokers: Fiduciary Liability Insurance"
description: "AIG names fiduciary policy options, while Heffernan describes placements for general business and family-office or financial-institution clients."
canonical: "https://spot.insure/compare/aig-vs-heffernan/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-heffernan"
provider-a: "aig"
provider-b: "heffernan"
coverage-line: "fiduciary"
---

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-heffernan/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of AIG and Heffernan Insurance Brokers for Fiduciary Liability 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 Fiduciary Liability Insurance questions about AIG versus Heffernan Insurance Brokers. 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 Heffernan Insurance Brokers for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, AIG or Heffernan Insurance Brokers?
- What does AIG or Heffernan Insurance Brokers publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from AIG or Heffernan Insurance Brokers?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: AIG and Heffernan Insurance Brokers.
- 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 Heffernan Insurance Brokers](https://spot.insure/compare/aig-vs-heffernan) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [AIG vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aig-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-heffernan/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/aig-vs-heffernan/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aig-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/aig-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/aig-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Employee Health Benefits](https://spot.insure/compare/aig-vs-heffernan/employee-health-benefits) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/aig-vs-heffernan/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-heffernan/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-heffernan/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-aon/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-beazley/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-chubb/fiduciary) — sibling comparison (other line, or other pair for this line)

# AIG vs Heffernan Insurance Brokers: How Do They Compare for Fiduciary Liability Insurance?

AIG names fiduciary policy options, while Heffernan describes placements for general business and family-office or financial-institution clients.

## Research Scope and Use

Use this comparison to evaluate AIG and Heffernan Insurance Brokers for Fiduciary Liability 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.

## Summary

Heffernan identifies family offices, trust companies, trustees and financial institutions among its fiduciary clients; AIG names benefit-plan oversight audiences and optional policy extensions. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.heffins.com/family-office/ "Family Office")

## 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 Heffernan Insurance Brokers?

Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [4](https://www.heffins.com/about-us/our-story/ "Our Story") [5](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## What Is Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [8](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [9](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Buyer Scope and Plan Types

Heffernan describes fiduciary placements both for general corporate clients and through a family-office practice serving trust companies, trustees, financial advisors, private-equity firms and foundations. AIG identifies executives and people or entities overseeing 401(k), pension and welfare plans. For a buyer such as a trust company or family office, Heffernan's stated audience is more specific; the exact plan and insured persons still need to appear in the submission and quote. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.heffins.com/family-office/ "Family Office")

### Advice and Policy Detail

AIG lists IRS Audit Protector, settlor coverage and ACA extensions, subject to policy terms, and describes specialized underwriting and claims teams. Heffernan describes a risk-management assessment that inventories structures, assets and exposures and helps navigate claims, but its public page does not explain a fiduciary policy's insuring agreement. Buyers should compare the practical advisory work with actual policy grants and confirm which insurer will issue the placement. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.heffins.com/family-office/ "Family Office")

## What to Confirm in Fiduciary Liability Insurance Quotes

- How will Heffernan's assessment address fiduciary exposures for this entity, and which carrier/form is proposed? [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.heffins.com/family-office/ "Family Office")
- Are AIG's named extensions included, and what specific plan liabilities do they address? [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.heffins.com/family-office/ "Family Office")

## Offering Details

| Criteria | AIG Fiduciary Liability Insurance Edge | Heffernan Fiduciary Liability Insurance |
| --- | --- | --- |
| Role in This Line | AIG markets Fiduciary Liability Insurance Edge and related plan-fiduciary options. AIG’s page describes insurance protection but does not identify the issuing subsidiary for a specific account. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Heffernan places fiduciary liability coverage within its general corporate/executive-protection lineup and again within a dedicated family-office and financial-institution practice. It shops and places the coverage with insurers rather than underwriting it. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found..) |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name the insurer or insurers that issue fiduciary liability policies Heffernan places for either business clients or family offices. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not publicly disclosed; scope: Business Insurance and Family Office pages as read on 2026-09-23..) |
| Who It’s For | AIG describes fiduciary coverage for business executives and people or entities overseeing 401(k), pension and employee welfare plans. The page does not establish eligibility for every plan sponsor or plan type. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability 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..) | Heffernan offers fiduciary liability to two named segments: general business clients through its business-insurance brokerage, and family offices, trust companies, trustees, financial advisors, private equity firms, foundations, and other financial institutions through its family-office practice. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Direct practice-page listings; no minimum size or asset-under-management threshold was published for the coverage specifically..) |
| Coverage Features | AIG says Fiduciary Edge addresses personal liability imposed on directors, officers and employees who oversee benefit plans and the sponsoring company. It describes certain penalty and compliance-program extensions subject to sublimits and policy terms. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability 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..) | On the family-office page, fiduciary liability insurance is listed alongside directors and officers, professional liability, employment practices liability, trustee liability, and other management-liability-adjacent lines as coverage the practice can arrange, without describing the policy's insuring agreement or exclusions. [7](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23..) |
| Limits and Retentions | The page says some penalties, fees and expenses are subject to sublimits but does not publish a buyer-specific limit schedule. Confirm all sublimits and conditions in the quote and policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability 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..) | Neither page publishes a fiduciary-liability limit, retention, or premium range. [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [7](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not found in reviewed sources; scope: Business Insurance and Family Office pages as read on 2026-09-23..) |
| Risk Services | AIG describes specialized underwriting and claims teams and lists the IRS Audit Protector program, settlor coverage and an ACA extension as product options. Availability and scope of each option must be confirmed in the issued form. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Heffernan's family-office practice describes a Risk Management Assessment: itemizing a client's structures, assets, and exposures; crafting insurance and risk-management strategies to close coverage gaps; and helping navigate claims, for its fiduciary and financial-institution client base. [7](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; a company-described service, not a measured outcome..) |
| How to Apply | Confirm in your quote. | The family-office practice's fiduciary-liability coverage is reached through a named Private Client Group specialist contact rather than a self-service online quote flow. [7](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; the general business-insurance page's fiduciary listing routes through Heffernan's general Contact Us form instead..) |

## Full Comparison

- [AIG vs Heffernan Insurance Brokers](https://spot.insure/compare/aig-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [AIG vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aig-vs-heffernan/builders-risk)
- [AIG vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-heffernan/cargo-transit)
- [AIG vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/aig-vs-heffernan/commercial-auto)
- [AIG vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aig-vs-heffernan/commercial-property)
- [AIG vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/aig-vs-heffernan/crime)
- [AIG vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/aig-vs-heffernan/cyber)
- [AIG vs Heffernan Insurance Brokers Employee Health Benefits](https://spot.insure/compare/aig-vs-heffernan/employee-health-benefits)
- [AIG vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/employment-practices)
- [AIG vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/aig-vs-heffernan/fidelity-bonds)
- [AIG vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/general-liability)
- [AIG vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-heffernan/hired-non-owned-auto)
- [AIG vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-heffernan/professional-errors-omissions)
- [AIG vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-heffernan/workers-compensation)
- [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary)
- [AIG vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-aon/fiduciary)
- [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary)
- [AIG vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-beazley/fiduciary)
- [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary)
- [AIG vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-chubb/fiduciary)

## Sources

### 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. [Fiduciary Liability Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability). AIG; Official AIG Fiduciary Liability page, lines 242–274: plan sponsor and fiduciary audience, Fiduciary Edge, example statutory sublimited coverages, IRS Audit Protector, settlor and ACA options, and standard-policy caveat.. Accessed 2026-09-30.

### Heffernan Insurance Brokers

4. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
5. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
6. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23.
7. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; We serve: Family offices, Trust companies, Individual and professional trustees, Financial advisors/CPAs/attorneys, Private equity firms, Foundations, Financial institutions; Coverage for Family Offices, Trustees & Financial Firms: ... Fiduciary liability insurance ...; Risk Management Assessment section; contact Lacey Garrison. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

8. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
9. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
10. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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 Reviews

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).

## Heffernan Insurance Brokers Reviews

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-heffernan/fiduciary.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)