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AIG vs HUB International

AIG is an insurance group whose products are written by subsidiaries or affiliates; HUB arranges insurance and routes smaller accounts through Insureon while larger or different accounts go to HUB advisors. A technology buyer should first decide whether it needs a specific AIG submission or broker-led market selection. 1,4,19,23,25

Introduction

Coverage Comparison

CoverageAIGHUB International
Builders riskListed AIG Builders RiskListed 25HUB International arranges builders risk insurance.
Business owner’s policyNot listedListed 33HUB International arranges business owner’s policies for small and midsized businesses.
Cargo and transitListed AIG Ocean CargoListed 43,25HUB International arranges cargo insurance.
Commercial autoListed AIG Truck Insurance Group commercial auto (scoped to for-hire trucking)Listed 35HUB International arranges commercial auto insurance.
Commercial propertyListed AIG Commercial Property / Retail PropertyListed 34HUB International arranges commercial property insurance.
CrimeListed AIG Crime Insurance / CrimeGuard ChoiceListed 36,31HUB International arranges commercial crime insurance.
Cyber liabilityListed AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)Listed 28,25HUB International arranges cyber insurance.
Directors and officersListed AIG Directors & Officers LiabilityListed 27,25HUB International arranges directors and officers liability insurance.
Employee health and benefitsListed AIG Medical Indemnity supplemental group health benefitListed 45,16HUB International arranges employee health and benefits programs.
Employment practices liabilityListed AIG Employment Practices Liability InsuranceListed 31,25HUB International arranges employment practices liability insurance.
Equipment breakdownListed AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only.Listed 44HUB International arranges equipment breakdown insurance.
Fidelity bondsListed AIG Crime and Fidelity product page; line membership is based on the named fidelity/bond product family, not a specific bond form.Listed 31HUB International arranges crime and fidelity coverage through its professional and executive risk practice.
Fiduciary liabilityListed AIG Fiduciary Liability Insurance / Fiduciary EdgeListed 37,31HUB International arranges fiduciary liability insurance.
General liabilityListed AIG Programs general liability (three separate program scopes)Listed 26HUB International arranges general liability insurance.
Hired and non-owned autoListed AIG Manufactured Housing Program lists hired and non-owned auto for that program; this does not establish a standalone broad HNOA product.Listed 35HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage.
Key personNot listedListed 25HUB International arranges key person life and disability insurance.
Kidnap and ransomListed AIG CrisiSolution K&R and extortionListed 38,31HUB International arranges kidnap and ransom insurance.
Liquor liabilityListed 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 liabilityListed 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.Listed 25,31HUB International arranges management liability insurance through its professional and executive risk practice.
Media liabilityListed AIG Media Content and Publishers & Broadcasters liability (distinct descriptions)Not listed
Medical malpracticeNot listedListed 40HUB International arranges medical professional liability insurance for health care professionals.
Product liabilityListed AIG Aviation Product LiabilityListed 42HUB International arranges product liability insurance.
Product recallListed 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.Listed 42HUB International arranges product recall insurance.
Professional errors and omissions (E&O)Listed AIG entity-based Professional Liability / Specialty Professional E&OListed 29,30HUB International arranges professional errors and omissions insurance.
Representations and warrantiesListed AIG Representations & Warranties InsuranceListed 41HUB International arranges representations and warranties insurance.
Surety bondsNot listedListed 39HUB International arranges surety bonds.
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.Listed 25HUB International arranges technology errors and omissions insurance.
Tools, equipment and inland marineListed AIG Inland Marine (Transportation & Logistics; Construction & Equipment)Listed 43HUB International arranges inland marine insurance through its marine practice.
TruckingListed AIG Truck Insurance GroupListed 35HUB International arranges trucking insurance.
Umbrella and excess liabilityListed AIG Excess Casualty (lead umbrella and mid/high excess)Listed 42HUB International arranges umbrella and excess liability insurance.
Virtual care and telehealthNot listedListed 46HUB International arranges virtual care insurance for health care organizations.
Workers’ compensationListed AIG Workers’ Compensation options by distinct channelListed 32HUB International arranges workers’ compensation insurance.

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.

HUB International

Broker

Broker

5.5/ 10

Assessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.

Provider assessment

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

4.4/ 10

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 reviews

HUB International

5.6/ 10

Review Score

2 rated sources

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]

Read HUB International reviews

Key Differences

HUB publishes separate routes for businesses within its small-account guidelines and for other commercial accounts, and its technology practice lists several business coverages. Those statements make this pairing useful when a smaller technology company is choosing between a carrier submission and an adviser who can structure a broader request; they do not establish eligibility for a particular policy. 1 2 19 20 24 1 2 23 25

HUB’s stated route can begin online through Insureon for accounts within its published guidelines, while other buyers contact a HUB advisor; AIG’s public portal is described for brokers and agents. Ask who will collect the submission and who will be the named producer for each quote. 4 23 26 27 28 25 21

For ongoing access, AIG lists broker tools for applications, policy documents and loss runs, while HUB describes account teams and certificate tools. Compare the actual service contact and renewal responsibilities offered to your account. 4 5 31 48 45

AIG’s disclosure describes commissions and possible contingent payments to brokers and agents; HUB International’s cited information addresses a different part of the placement or its fees. These amounts are not a buyer price estimate. Ask separately for the policy premium, compensation paid to each producer and any buyer-paid fee. 6 22

What to Confirm in Quotes

  • Which HUB route and legal producer would handle this account, and which AIG subsidiary would issue each proposed policy? 1 2 19 20 24
  • Can the adviser compare an AIG proposal with other insurers for the same requested limits and forms? 4 23 26 27 28 25 21
  • Who handles certificates, policy changes, renewal marketing and claim reporting, and what compensation or fees apply? 4 5 31 48 45 6 22

Compare Services

What each provider documents about the services you may need

CriteriaAIGHUB International
Business role

“AIG” is the marketing name for American International Group, Inc.'s worldwide operations. AIG says insurance products are written or provided by subsidiaries or affiliates; its U.S. legal notice lists multiple U.S.-domiciled property and casualty insurers but does not identify which company would issue a particular commercial policy. 1,2Company-reported. AIG group naming and the listed U.S.-domiciled property and casualty companies. The legal notice is not a policy-specific carrier assignment or complete ownership chart.

HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. 19,20,24Company-reported. Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.

Small businesses may reach HUB through its digital Insureon route, acquired in 2022; Insureon and TechInsurance are associated with Specialty Program Group, so the retail account path may differ from HUB’s offices. 19,49,50,51,52Company-reported. Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.

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.

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. 23,26,27,28,25,21Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

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.

HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. 31,48,45Company-reported. Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.

Fees and compensation

AIG says its companies compensate brokers and independent agents with commissions set at policy purchase, renewal, placement, or servicing, and may also pay contingent compensation. Specific compensation varies; the disclosure directs buyers to their broker or agent for policy-specific information. 6Company-reported. AIG's disclosure for business placed by brokers and independent agents with U.S. AIG offices issuing policies in the United States and territories for specified lines; its ranges describe business written in 2024 and exclude stated categories. Not a statement of any buyer's commission or total insurance cost.

Ask for compensation on your proposal: HUB says it receives insurer commissions, contingent and supplemental payments and sometimes client fees, may use affiliated wholesalers, and may earn administration or data fees; it publishes no standard rates. 22Company-reported. Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.

Sources

AIG Official Website

  1. Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
  2. 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.
  3. Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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.

HUB International Official Website

  1. Insurance Broker San Francisco. HUB International; Page metadata naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16.
  2. HUB International San Francisco 44 Montgomery Street. HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
  3. California Insurance Brokers. HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
  4. About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
  5. Terms and Conditions. HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16.
  6. HUB International Privacy Policy. HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16.
  7. How We Get Paid. HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16.
  8. Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
  9. Business Insurance Broker Coverage Policy. HUB International; Essential coverage and beyond-the-basics product catalog. Accessed 2026-09-16.
  10. Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
  11. General Liability Insurance Brokers. HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16.
  12. Directors and Officers (D&O) Liability Insurance Broker. HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
  13. Cyber Insurance. HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16.
  14. Professional Liability Insurance Brokers. HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
  15. Errors and Omissions (E&O) Insurance Coverage. HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
  16. HUB ProEx. HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; ProEx Coverages: Executive Liability; Cyber, Technology E&O, and Intellectual Property; Financial Institutions; certificates of insurance; claims and legal support; carrier-premium figure; FAQ on management liability and ProEx program structuring. Accessed 2026-09-16.
  17. Workers' Compensation Insurance Brokers. HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16.
  18. Business Owners Policy (BOP) Company Coverage. HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16.
  19. Commercial (Business) Property Insurance Brokers. HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16.
  20. Commercial Auto Insurance Broker Policy & Coverage. HUB International; Coverage that works for you: securing commercial auto and trucking insurance; Hired and non-owned exposures. Accessed 2026-09-16.
  21. Crime Insurance Brokers. HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
  22. Fiduciary Liability Insurance Brokers. HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
  23. Kidnap and Ransom Insurance Brokers. HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16.
  24. Surety Bonds and Surety Bond Insurance for Businesses. HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
  25. Medical Malpractice Insurance Brokers. HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
  26. Mergers & Acquisitions (M&A) Insurance Broker. HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
  27. Comprehensive Casualty Insurance Solutions. HUB International; Casualty Insurance & Risk Financing: General & Product Liability; Umbrella & Excess Liability; workers’ compensation; Ancillary Coverages (product recall); global carrier relationships. Accessed 2026-09-16.
  28. Marine Insurance Broker Policy & Coverage. HUB International; A comprehensive approach to ocean and inland marine insurance; Tailored solutions: Marine Cargo Insurance and Stock Throughput Insurance; related marine liability coverages; domestic and international carriers; inland marine FAQ. Accessed 2026-09-16.
  29. Boiler and Machinery Equipment Insurance Coverage. HUB International; Boiler & Machinery Insurance – Protect Your Equipment and Business: design and negotiation of a tailored equipment-breakdown program. Accessed 2026-09-16.
  30. Employee Benefits Brokers and Consulting Services. HUB International; An Employee Benefits Broker for Changing Times: employee-benefits brokerage and multi-year planning services; tailored solutions; Talk to an Employee Benefits Broker; plan-design FAQ. Accessed 2026-09-16.
  31. Virtual Care Insurance Brokerage Coverage. HUB International; Virtual care insurance and support: risk management and insurance list for virtual care organizations, including medical professional liability, technology E&O, products liability, cyber and management liability. Accessed 2026-09-16.
  32. Insurance Claims Management. HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16.
  33. Risk Management Information System (RMIS). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
  34. About Insureon. Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16.
  35. Insurance Licenses by State. Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16.
  36. Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon. Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16.
  37. About Us | TechInsurance. TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16.
  38. California Department of Insurance License Status Inquiry. California Department of Insurance; Public license-search portal landing page. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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