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 Are Fidelity Bonds?
Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. 8,9,10
Key Differences in Fidelity Bonds
Separate Bond Categories and Product Detail
HUB lists Crime/Fidelity within Executive Liability and Financial Institution Bonds as a separate ProEx offering, but does not explain covered dishonest acts or exclusions. AIG provides more specific FI bond examples, including employee dishonesty, forgery, computer-systems fraud, and impersonation fraud. A financial firm comparing the two should ask HUB which of its categories fits the institution and request the policy wording; AIG applicants can use the named scenarios to identify agreements to confirm. 7 3
Placement and Support
HUB places these bonds through ProEx and directs prospects to a specialist, while AIG provides applications organized by financial-institution type and describes dedicated underwriting and claims teams. Neither overview names the insurer for a buyer-specific policy or publishes a standard bond amount. Ask both providers who will issue the bond and how claims are reported, then compare the obligee, covered positions, and amount in the proposal. 7 3
What to Confirm in Fidelity Bonds Quotes
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: Fidelity Bonds: documented features by provider
| Criteria | AIG Financial Institution Fidelity Bonds | HUB International Crime and Fidelity Bond Brokerage |
|---|---|---|
| Role in This Line | AIG markets Financial Institution Bonds separately from commercial-entity Crime Insurance. This draft covers the named bond family only and does not treat the crime policy as a fidelity bond. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | HUB places crime and fidelity bond coverage, including financial institution bonds, through its ProEx Professional & Executive Risk practice alongside other executive-liability and financial-institution lines, rather than underwriting these bonds itself. 7Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds. |
| Issuing Insurer | Confirm in your quote. | No insurer is named for Crime/Fidelity or Financial Institution Bonds on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. 7Not found in reviewed sources. Checked the ProEx page on 2026-09-23. |
| Who It’s For | AIG names banks, non-bank lenders, asset managers and insurance companies as financial-institution bond audiences. The page does not establish eligibility for a specific entity or jurisdiction. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | No size, industry or state eligibility criteria specific to fidelity bonds or financial institution bonds were found on the ProEx page. 7Not found in reviewed sources. Checked the ProEx page on 2026-09-23; these coverages are listed among many others without their own eligibility description. |
| Coverage Features | AIG lists employee dishonesty, theft on premises, forgery, computer-systems fraud and impersonation fraud among financial-institution bond coverage examples. These examples are subject to the actual bond form and do not define all terms. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | HUB's ProEx coverage list names "Crime / Fidelity" as an Executive Liability offering and "Financial Institution Bonds" as a separate Financial Institutions offering, but the page gives no further description of insuring agreements, covered dishonest-act scenarios or exclusions for either. 7Company-reported. ProEx page coverage list only; these are catalogue entries, not policy-form descriptions. |
| Limits and Retentions | The reviewed pages do not state a standard bond amount or buyer-specific deductible. Confirm the bond form, amount and conditions with AIG for the particular institution. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Published bond penalty amounts, limits or retentions were not found on the ProEx page. 7Not publicly disclosed. Checked the ProEx page on 2026-09-23; bond amounts are set on the quote and declarations. |
| Risk Services | AIG describes dedicated underwriting and claims teams for its crime and fidelity offerings. The application directory includes distinct fidelity applications by financial-institution type; this is an application path, not a bound bond. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | HUB says its ProEx team, which lists Crime/Fidelity and Financial Institution Bonds among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. 7Company-reported. ProEx page team and services description; not specific to a single bond placement. |
| How to Apply | Confirm in your quote. | HUB directs prospects for these coverages to contact a ProEx specialist rather than an online quote or bind flow. 7Company-reported. ProEx page call to action. |
Full Comparison
More AIG vs HUB International Comparisons
Other Fidelity Bonds 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.
- Crime and Fidelity Insurance. AIG; Official AIG page, lines 257–275 and 353–354: separate Financial Institution Bonds section, named financial-institution audience and example covered losses; policy/state availability caveat. AIG’s Financial Lines Applications directory separately lists institution-specific fidelity applications. 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.
- HUB ProEx. HUB International; ProEx Coverages list including Crime / Fidelity under Executive Liability and Financial Institution Bonds under Financial Institutions; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
- Crime Terms and Conditions. Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. Accessed 2026-09-16.
