What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 4,5,6
What Is Cargo and Transit Insurance?
Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. 8,9,10,11
Key Differences in Cargo and Transit Insurance
Shipment Cover and Stock Throughput
AIG lists general, bulk/break-bulk, and project cargo across land and sea, with stock-throughput as one possible structure. HUB International explains stock-throughput as protecting goods from manufacture through final delivery, alongside cover for freight damaged, lost, or stolen during land, sea, or air transit. A manufacturer with inventory sitting between production and shipment should ask which stops are insured under each proposal. 3 7
Marine Risk Services
AIG names route, conveyance, packaging, and security consultations plus marine loss-control engineering. HUB International serves ocean cargo, ports, terminals, ship operators, shipyards, and supply-chain businesses through a dedicated marine practice. Confirm whether a specialist will assess your route and who can adjust a claim; HUB’s public process starts with a marine specialist rather than an online quote. 3 7
What to Confirm in Cargo and Transit Insurance Quotes
- Ask HUB which storage stages its stock-throughput proposal includes and AIG how the listed cargo structure covers inventory before dispatch. 3 7
- Ask both providers to map each leg by road, sea, and air, including loading and storage. 3 7
- Identify the insurer and the marine claims contact before the first shipment. 3 7
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 reviewsHUB International
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 reviewsOffering Details
AIG vs HUB International: Cargo and Transit Insurance: documented features by provider
| Criteria | AIG Ocean Cargo Insurance | HUB International Marine Cargo Insurance Brokerage |
|---|---|---|
| Role in This Line | AIG markets Ocean Cargo insurance and related global/captive solutions. The page does not name the issuing subsidiary for a particular buyer’s policy. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | HUB brokers marine cargo insurance through a dedicated marine practice rather than underwriting the policy itself. 7Company-reported. Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The marine insurance page does not name an issuing insurer for cargo coverage; HUB places marine business with carriers that vary by placement. 7Not found in reviewed sources. Checked the marine insurance product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | AIG names importers, exporters, manufacturers, wholesalers, and distributors with international transit exposures, including containerized general cargo, bulk/break-bulk and project cargo. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | HUB says its marine practice serves ocean cargo, passenger vessel, port and terminal operator, ship owner and operator, shipyard, and supply chain and logistics businesses. 7Company-reported. Product-page target-market list; not a published underwriting appetite by cargo type or region. |
| Coverage Features | AIG describes protection for goods moved across land, sea or international borders and lists general cargo, bulk/break-bulk and project cargo. It also lists stock-throughput, captive/fronting and logistics package structures; those examples do not settle any buyer’s policy scope. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | HUB describes marine cargo insurance as covering damage, loss or theft of freight while it is in transit by land, sea or air, and separately offers stock throughput insurance that covers goods from the manufacturing stage through final delivery. 7Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | The page advertises $50 million transit capacity and $50 million storage/warehouse capacity, with natural-catastrophe sublimits stated as $10 million per occurrence and annual aggregate. These are advertised capacity figures, not an individual quote or policy limit. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Published per-shipment or per-conveyance limits for HUB-placed cargo coverage were not found on this page. 7Not publicly disclosed. Checked the marine insurance product page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | AIG lists route, conveyance, packaging and security consultations, marine loss-control engineering, and claims support. Its Marine Claims Promise is conditional on confirmed coverage and applies to specified expense categories and agreed loss estimates. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | HUB directs prospects to contact a HUB marine insurance specialist to arrange coverage; no online quote flow is described. 7Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More AIG vs HUB International Comparisons
Other Cargo and Transit Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Ocean Cargo Insurance. AIG; Official AIG Ocean Cargo page, lines 242–285: target classes, cargo types, program structures, stated capacity, route consultation, claims promise and policy caveat. Accessed 2026-09-30.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- 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.
- Marine Insurance Broker Policy & Coverage. HUB International; Marine Cargo Insurance section: protects inventory while in transit, covers damage, loss or theft of freight during transportation by land, sea or air; Stock Throughput Insurance section; Marine Liabilities list; target markets including Ocean Cargo and Supply Chain/Logistics; Contact a HUB marine insurance specialist. Accessed 2026-09-23.
Cargo and Transit Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Shipping Options. International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
- Special Documents. International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
- Motor Truck Cargo Legal Liability Coverage. American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16.
