AIG vs Insureon: How Do They Compare for Cyber Insurance?

AIG markets three distinct cyber forms: CyberEdge, CyberEdge Plus and CyberEdge PC. AIG says coverage may be bought as a standalone CyberEdge policy or endorsed onto selected Financial Lines, Property and Casualty policies; the forms are not interchangeable descriptions of one coverage grant. ³Company-reported. AIG’s U.S. CyberEdge page; endorsement availability is stated only for selected policies. AIG’s legal footer says policies are written by subsidiaries or affiliates and coverage depends on underwriting and policy language.

Insureon markets cyber insurance and offers online quote requests for small businesses. ⁶Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

AIG describes cyber coverage and risk services for organizations and clients. The reviewed product page does not publish a complete eligible-industry, revenue or security-control appetite; a particular applicant’s eligibility remains subject to underwriting. ³Company-reported. Audience stated by AIG on its U.S. CyberEdge marketing page; no application eligibility schedule was reviewed.

The page identifies businesses holding sensitive information and businesses responsible for client cybersecurity as relevant audiences; carrier eligibility is not disclosed. ⁶Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

AIG describes CyberEdge as addressing breach-related financial costs such as response, data restoration, network interruption and cyber extortion. CyberEdge Plus is described for physical-world losses caused by a cyber event, including business interruption, property damage and physical injury; CyberEdge PC is described as excess of traditional property and casualty policies on a difference-in-conditions/difference-in-limits basis. The page says actual coverage depends on the facts and policy terms, conditions and exclusions. ³Company-reported. Product summaries on AIG’s U.S. page, preserving differences among the three forms. Examples are not a promise that any loss or expense is covered under an issued policy.

The page describes first-party breach-response costs and third-party liability as distinct cyber exposures, and notes that they may be packaged differently. ⁶Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

The reviewed page does not state standard cyber limits, retentions or sublimits. Confirm each amount and applicable form in the quote and issued policy. ³Not publicly disclosed. AIG’s U.S. CyberEdge marketing page reviewed 2026-09-30; no buyer-specific quote, application outcome or policy wording was reviewed.

The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ⁶Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.

AIG describes cyber risk assessment, threat intelligence, alerts about known vulnerabilities, and a Cyber Resiliency Program. The page says these services help clients assess and improve cyber resilience; it does not promise that they prevent a breach or are available on identical terms with every form. ³Company-reported. Company-described cyber risk services on AIG’s U.S. CyberEdge page; product and account applicability should be confirmed in the quote.

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AIG links a U.S. Cyber underwriting application and invites brokers to contact its national product and distribution teams. The page does not say that submitting an application results in a quote, acceptance or binding. ³Company-reported. Application and broker contact links on AIG’s U.S. CyberEdge page; no completed application or binding workflow was reviewed.

The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. ⁶Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

AIG says its cyber insureds can use a 24/7 claims hotline and that its claims team works with specialized legal and forensic firms on incident response. AIG’s example also describes assistance with regulatory disclosures and notifications. These service statements do not guarantee claim acceptance, payment or a particular response time. ³Company-reported. Company-reported services and example on AIG’s CyberEdge page; policy terms and the circumstances of a loss control any claim.

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