AIG vs 
Hiscox
Hiscox offers online quotes for eligible small-business policies, while AIG lists a North America portal for brokers and agents to access applications, policy documents and loss runs. Hiscox’s route is aimed at eligible small businesses; AIG’s public material does not establish direct online purchase or binding. 31,4
Introduction
Hiscox offers online quotes for eligible small-business general liability, professional liability, cyber and business owner’s policies; the quote page does not establish that every application binds immediately. AIG’s public login page lists broker and agent access to applications, loss runs and policy documents. Hiscox focuses this route on smaller professional and service firms, while AIG’s Surplus Lines section describes commercial solutions for small, middle-market and large enterprises without tying every segment to a particular issuing company or product. If your business fits the Hiscox route, compare its quote and underwriting terms; for AIG, ask a broker or agent which submission path and issuing company apply to the line. 31 3 4
The coverage table also lists an AIG Product Recall offer, but the cited flyer describes multinational cover for named segments; it does not establish an unrestricted U.S. standalone offer, issuer or account terms. Confirm that your product and territory fit the actual proposal. 12
Coverage Comparison
| Coverage | AIG | Hiscox |
|---|---|---|
| Builders risk | Listed AIG Builders Risk | Not listed |
| Business owner’s policy | Not listed | Listed 25Hiscox offers business owner’s policies for small businesses. |
| Cargo and transit | Listed AIG Ocean Cargo | Not listed |
| Commercial auto | Listed AIG Truck Insurance Group commercial auto (scoped to for-hire trucking) | Not listed |
| Commercial property | Listed AIG Commercial Property / Retail Property | Not listed |
| Crime | Listed AIG Crime Insurance / CrimeGuard Choice | Not listed |
| Cyber liability | Listed AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct) | Listed 24,17Hiscox offers cyber insurance for small businesses. |
| Directors and officers | Listed AIG Directors & Officers Liability | Not listed |
| Employee health and benefits | Listed AIG Medical Indemnity supplemental group health benefit | Not listed |
| Employment practices liability | Listed AIG Employment Practices Liability Insurance | Not listed |
| Equipment breakdown | Listed AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only. | Not listed |
| Fidelity bonds | Listed AIG Crime and Fidelity product page; line membership is based on the named fidelity/bond product family, not a specific bond form. | Not listed |
| Fiduciary liability | Listed AIG Fiduciary Liability Insurance / Fiduciary Edge | Not listed |
| General liability | Listed AIG Programs general liability (three separate program scopes) | Listed 22Hiscox offers general liability insurance for small businesses. |
| Hired and non-owned auto | Listed AIG Manufactured Housing Program lists hired and non-owned auto for that program; this does not establish a standalone broad HNOA product. | Not listed |
| Kidnap and ransom | Listed AIG CrisiSolution K&R and extortion | Not listed |
| Liquor liability | Listed AIG Programs lists liquor liability among coverages it may develop in client-specific programs; no general standalone product or universal program availability implied. | Not listed |
| Management liability | Listed AIG Programs Management Liability for private and non-profit companies with revenue up to $50 million; listed components are D&O, EPL and fiduciary liability. | Not listed |
| Media liability | Listed AIG Media Content and Publishers & Broadcasters liability (distinct descriptions) | Not listed |
| Product liability | Listed AIG Aviation Product Liability | Not listed |
| Product recall | Listed 12AIG Multinational and Talbot market multinational Product Recall Insurance for named component-part, consumer-goods/topical/consumer-health and finished-goods segments; not an unrestricted U.S. standalone product, and the flyer does not resolve a specific policy issuer, account terms or jurisdiction-specific availability. | Not listed |
| Professional errors and omissions (E&O) | Listed AIG entity-based Professional Liability / Specialty Professional E&O | Listed 23,17Hiscox offers professional errors and omissions insurance for small businesses. |
| Representations and warranties | Listed AIG Representations & Warranties Insurance | Not listed |
| Technology errors and omissions (E&O) | Listed AIG Technology Services E&O; the page separately identifies coverage for technology-service performance errors or omissions. Membership only, not a detailed accepted Tech E&O offering. | Not listed |
| Tools, equipment and inland marine | Listed AIG Inland Marine (Transportation & Logistics; Construction & Equipment) | Not listed |
| Trucking | Listed AIG Truck Insurance Group | Not listed |
| Umbrella and excess liability | Listed AIG Excess Casualty (lead umbrella and mid/high excess) | Not listed |
| Workers’ compensation | Listed AIG Workers’ Compensation options by distinct channel | Listed 26Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy. |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
AIG
CarrierCarrier & MGA
No Spot Score
Assessment subject unavailable
Hiscox
Hybrid providerBroker
5.4/ 10Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.
Carrier & MGA
6.7/ 10Assessed provider: Hiscox. Scope: Hiscox US small-business activity at the named-entity level: Hiscox Inc. as online intermediary/general agent and Hiscox Insurance Company Inc. as the named admitted insurer for Hiscox NOW products; Hiscox Ltd. and Lloyd's capacity are group or product-specific context, not a universal issuer mapping.
Review Scores
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
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 reviewsHiscox
Review Score
4 rated sources
Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase.[1][4][5][6][7]
Read Hiscox reviewsKey Differences Between AIG and Hiscox
Customer and Purchase Route
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 professional and service firms, including IT consultants, can request Hiscox small-business coverage; startups may qualify depending on class, revenue and underwriting. 16,17,38Company-reported. Company-described audience on current small-business, IT and July 2026 Hiscox NOW appetite materials. This does not establish eligibility for any particular Bay Area company, revenue band or class.
The AIG audience statement appears in its Surplus Lines section beside separate Lexington Casualty information; it does not show that Lexington issues every product for every company size. Hiscox’s small-business route is also subject to class, revenue and underwriting. If your company is outside Hiscox’s small-business appetite, ask whether a broker referral or another Hiscox product applies; for AIG, identify the actual product and issuing company before treating the broad audience statement as eligibility. 3 38
Account Servicing and Claims
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.
Hiscox’s online account lets eligible customers download documents, create certificates, update some details and request certain changes; limit, coverage, cancellation and some payment changes require phone support. A certificate does not change policy terms. 33,34Company-reported. Company-described self-service as of the manage-policy and certificate pages. Partner-issued policies may use different servicing portals.
AIG lists broker-facing access to documents and loss runs but does not describe renewal timing on the cited portal page. Hiscox offers online account functions for eligible customers, including certificates and some policy changes; some changes require phone support, and partner-issued policies may use other portals. That difference affects who can handle routine tasks without contacting a producer. 4 33 34
Hiscox says buyers can begin a claim online, by phone or mail, with a claims professional assigned to review coverage. AIG’s IntelliRisk description names primary property and casualty lines for its online reporting tools and says options vary by line and country. Use the notice instructions for the actual policy, especially if a Hiscox policy comes through a partner or your AIG line is outside the named list. 32 5
What to Confirm in Quotes
- Is your business class and revenue eligible for the Hiscox online route, or will a broker or partner handle it? Which product and insurer would an AIG producer submit? 38 4
- Which legal insurer will appear on the declarations, and which company handles servicing if the product uses a partner? 38 2
- Which account changes can you make online, and where must you report a claim for the selected policy? 33 5
Compare Services
What each provider documents about the services you may need
| Criteria | AIG | Hiscox |
|---|---|---|
| Customer focus | 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 professional and service firms, including IT consultants, can request Hiscox small-business coverage; startups may qualify depending on class, revenue and underwriting. 16,17,38Company-reported. Company-described audience on current small-business, IT and July 2026 Hiscox NOW appetite materials. This does not establish eligibility for any particular Bay Area company, revenue band or class. |
| Application process | 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. | Eligible small businesses can quote general liability, professional liability, cyber and BOP online by entering a ZIP code and answering questions; Hiscox says policy documents and certificates follow issuance by email. Confirm eligibility and effective date before relying on coverage. 31,22,16Company-reported. Public quote-page and product-FAQ statements accessed 16 September 2026. Instant-coverage marketing is not a tested bind. Partner products use separate quote sites. |
| Servicing and renewals | 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. | Hiscox’s online account lets eligible customers download documents, create certificates, update some details and request certain changes; limit, coverage, cancellation and some payment changes require phone support. A certificate does not change policy terms. 33,34Company-reported. Company-described self-service as of the manage-policy and certificate pages. Partner-issued policies may use different servicing portals. |
| Claims assistance | 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. | You can start a Hiscox claim online, by phone or mail, and Hiscox says it assigns a claims professional to review coverage; products placed with partners may have different notice instructions, so use the contacts in your policy. 32,42,22Company-reported. Company-described Hiscox claims-center process. Hours differ across pages. Coverage and defense remain subject to the issuing insurer and policy. |
Related Reading
Sources
AIG Official Website
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Additional Legal Notices. AIG US; Notice to California and Massachusetts Applicants and Insureds; insurer table lines 246–327 and listing disclaimer line 329. Accessed 2026-09-29.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- AIG Login. AIG US; Brokers & Agents: myAIG Portal for North America, lines 71–76; U.S. Producer Appointment and Licensing, lines 100–104. Accessed 2026-09-28.
- IntelliRisk. AIG US; Help With Every Step of the Claim Process; primary property/casualty line list, portal functions, and line/country qualification, lines 267–279. Accessed 2026-09-28.
- Producer Compensation. AIG US; Broker and Independent Agent Compensation and 2024 U.S. scope, lines 242–246; commissions, contingent compensation, and reporting limitations, lines 251–269 and 299–310. Accessed 2026-09-28.
- AIG Programs Insurance. AIG US; AIG Programs overview/product breadth and package-or-monoline description, lines 242–279; specific Management Liability program for private/non-profit companies, line $50m revenue scope and D&O/EPL/Fiduciary lines, lines 499–509; Manufactured Housing program and hired/non-owned auto, lines 512–525; multi-line examples and nationwide location markers, HTML inspected 2026-09-29. Accessed 2026-09-29.
- Cyber Insurance - CyberEdge Cyber Liability Insurance. AIG US; AIG CyberEdge overview, product structures and line-specific services, lines 242–269; product identity/version descriptions reopened in the page’s CyberEdge/Plus/PC sections, HTML inspected 2026-09-29. Accessed 2026-09-29.
- Truck Insurance Group. AIG US; Product page states admitted auto liability, physical damage and general liability for small-to-mid-size for-hire trucking firms with heavy vehicle fleets 26,000+ lbs; predominant Class A/B CDL drivers, 11–250 power units, four years operating experience, select-broker route; lines 242–247. Accessed 2026-09-29.
- Professional Liability Insurance. AIG US; AIG E&O overview names public/private service providers and distinct Specialty Professional E&O, Technology Services, Media Content, Publishers and Broadcasters, and Manufacturers E&O scopes; lines 327–357; current HTML inspected 2026-09-29. Accessed 2026-09-29.
- Employment Practices Liability Insurance. AIG US; AIG EPL policy describes primary limits up to $25m, additional excess limits may be available, third-party discrimination/harassment in the described form, and availability on a combined basis with its private-company D&O form; lines 253–266, HTML inspected 2026-09-29. Accessed 2026-09-29.
- AIG Multinational Product Recall Summary Sheet. AIG US; Pages 1–2; page 1 describes the AIG Multinational and Talbot Underwriting collaboration and Product Recall Insurance for component-part manufacturers, consumer goods/topical and consumer health, and finished goods; page 2 footer version GB0748AR 0426 v3. Accessed 2026-09-29.
- AIG Medical Indemnity Insurance. AIG US; Official AIG Medical Indemnity product page; supplemental group/employer health benefit, plan options, administration and claims sections; issuer and state caveat as shown; HTML inspected 2026-09-29. Accessed 2026-09-29.
- AIG Aerospace & Aviation. AIG US; Official AIG Aerospace & Aviation page; Aviation Product Liability and Aircraft Products Application sections; page inspected 2026-09-29. Accessed 2026-09-29.
- Crime and Fidelity Insurance. AIG US; Official AIG crime page; crime products for commercial and governmental entities, distinguishes crime cover from financial institution bonds and names financial institutions as the latter audience; lines 242–278; HTML inspected 2026-09-29. Accessed 2026-09-29.
Hiscox Official Website
- Hiscox Small Business Insurance. Hiscox; Product selector (GL, professional liability/E&O, cyber, workers compensation, commercial auto, medical malpractice, short-term liability); FAQ that Hiscox is licensed in 49 states and D.C. and unavailable in Alaska; partnership language for workers’ compensation; online quote statements. Accessed 2026-09-16.
- IT Professional & General Liability Insurance. Hiscox; IT/technology professional audience; general liability, BOP, professional liability/E&O and cyber security descriptions for IT businesses; illustrative cyber breach-response example. Accessed 2026-09-16.
- Insurance for IT Consultants. Hiscox; IT consultant professional-liability and general-liability descriptions, including the phrase technology professional liability insurance as a label for E&O for IT work. Accessed 2026-09-16.
- About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
- Website Terms & Conditions of Use. Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
- California Business Insurance. Hiscox; California product list (GL, professional liability, BOP, workers compensation, cyber); IT/technology profession link; payment-option and worldwide-claim-filing statements; footer that products are approved by the California Department of Insurance and underwritten by Hiscox Insurance Company Inc.; Hiscox Inc. as Delaware licensed producer; California d/b/a Hiscox Insurance Agency license no. 0F09668; coverage subject to underwriting and may not be available in all states; company-stated Illinois license number 8754. Accessed 2026-09-16.
- General Liability Insurance. Hiscox; Online quote; 49-state and D.C. availability with Alaska excluded; broker-referral if not sold online; payment annually or monthly with no additional fees; online 24/7 claim reporting; policy issued via email and certificate in welcome documents; illustrative California consultant pricing table labeled as illustrative; electronic data liability for IT professions; coverage subject to underwriting. Accessed 2026-09-16.
- Professional Liability Insurance for Small Businesses. Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
- Cyber Insurance for Small Businesses. Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number 1-833-816-2811. Accessed 2026-09-16.
- Business Owner's Policy Insurance (BOP) Coverage. Hiscox; BOP as combined general liability and commercial property; optional packages including cyber, non-owned commercial auto, commercial crime and professional liability; illustrative California IT/technology consultant pricing table labeled with asterisks; worldwide-coverage qualifications. Accessed 2026-09-16.
- Workers Compensation Insurance for Small Businesses. Hiscox; Partnership with The Hartford; general liability required to purchase workers comp; not available for all classes; footer that coverage is made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hartford Fire Insurance, One Hartford Plaza, Hartford, CT 06155. Accessed 2026-09-16.
- Commercial Auto Insurance for Small Businesses. Hiscox; Commercial auto product page; quote redirect to a site not owned by Hiscox; customers referred to GEICO by Hiscox Inc. d/b/a Hiscox Insurance Agency in CA; products underwritten by Government Employees Insurance Company and affiliates. Accessed 2026-09-16.
- Medical Malpractice Insurance. Hiscox; Partnership with NOW Insurance for medical malpractice quotes; footer that NOW Insurance is not affiliated with the Hiscox group and that Hiscox Inc. d/b/a Hiscox Insurance Agency in CA provides access to coverage available through NOW Insurance. Accessed 2026-09-16.
- Short-Term Liability Insurance for Small Businesses. Hiscox; Partnership with Thimble for short-term general and professional liability; not available in all jurisdictions or classes; underwritten by Markel Insurance Company, Ten Parkway North, Deerfield, IL 60015. Accessed 2026-09-16.
- Specific Business Insurance Coverages. Hiscox; Partnership with CyberPolicy for additional coverages including commercial auto, umbrella, directors and officers, and employment practices liability, with quote links to sme.cyberpolicy.com. Accessed 2026-09-16.
- Get A Small Business Insurance Quote. Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
- Start a Business Insurance Claim Online, by Phone or Mail. Hiscox; Online claim filing; phone 1-866-424-8508 with posted hours; specialized claims professional assignment; coverage validation; liability claims attorney-appointment description; broker-reported claims option; company marketing phrase award-winning claims service. Accessed 2026-09-16.
- Manage your policy. Hiscox; Online account functions: download policy documents, certificates, authorized person, same-state address and business-name changes, loss runs, waiver of subrogation, certificate holder, document submission; phone-only changes including payment method, limits, new-state address, coverage adjustments and cancellation. Accessed 2026-09-16.
- Get a Certificate of Insurance (COI). Hiscox; Online ACORD/certificate generation using policy number and policy email address. Accessed 2026-09-16.
- Non-Owned Car Liability Insurance. Hiscox; Hired/non-owned auto described as an upgrade to a business owner’s policy and part of that policy’s occurrence limit, not coverage for vehicles owned or regularly operated by the business. Accessed 2026-09-16.
- Commercial crime insurance for small businesses. Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16.
- Contact Us. Hiscox; U.S. locations including Atlanta headquarters and a Los Angeles office; statement that Hiscox operates in 49 U.S. states and D.C. and offers specialty products through U.S. brokers. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Document 23295 07/26; Hiscox NOW admitted GL, PL, cyber and BOP; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia; technology classes including IT consultants and software development; footer that products are made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hiscox Insurance Company Inc.; commission and premium may vary. Accessed 2026-09-16.
- Hiscox Insurance Company Inc. Company Profile. California Department of Insurance; HISCOX INSURANCE COMPANY INC.; NAIC 10200; California Company ID 1439-9; authorized in California 09/14/1953; license status UNLIMITED-NORMAL; company type Property & Casualty; domicile Illinois; NAIC Group 4666 Hiscox Ins Grp; authorized lines including liability, fire, workers’ compensation, surety and others. Accessed 2026-09-16.
- Hiscox Insurance Company Inc. Illinois Department of Insurance; Legal name HISCOX INSURANCE COMPANY INC.; P&C Domestic Stock; domicile County of Cook, Illinois; parent Hiscox Ltd.; status Active; NAIC 4666 10200; incorporated 11/26/1952; 125 South Wacker Drive Suite 2080 Chicago, IL 60606. Accessed 2026-09-16.
- Management Liability Insurance Executive Risks. Hiscox; Broker-facing Hiscox C-Suite management liability and crime solution; statement we are no longer entertaining risks in the metro areas of California; add-on references to media, cyber, crime and technology. Accessed 2026-09-16.
- What is Professional Liability Insurance? Hiscox; Claims-made description; current-customer claim number 866-424-8508 described as open 24 hours a day, 7 days a week. Accessed 2026-09-16.
- Commercial Auto Insurance for Small Businesses. Hiscox; The canonical commercial-auto URL currently resolves to a general small-business quote/coverage surface without the asserted GEICO referral. No evidence was found on the inspected page supporting that exact current partner assertion. Accessed 2026-09-29.
- Specific Business Insurance Coverages. Hiscox; Current page names Tivly and lists umbrella, EPL, commercial property and inland marine. It does not support the rendered fact's CyberPolicy route for commercial auto/D&O/EPL/umbrella. Accessed 2026-09-29.
