AIG vs 
Kinro: How Do They Compare for Workers’ Compensation Insurance?
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 Kinro Insurance?
Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. 5,6,7
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 9,10,11,12
Key Differences in Workers’ Compensation Insurance
Broker data collection and retained risk
Kinro brokers workers’ compensation and collects payroll by state, employee duties, owner inclusion, class codes, subcontractor exposure, and experience modifiers. AIG describes customized structures using deductibles, self-insured retentions, captives, or retrospective plans. Ask Kinro how those application details influence its carrier search and AIG how retained losses would be funded. 3 8
State requirements and proof of coverage
Kinro says the line commonly arises when a company hires W-2 employees, state law triggers coverage, or a contract requires proof before work. AIG lists the line in corporate casualty and a nationwide motorsports program. Ask Kinro which state filings and certificates apply and AIG which program covers your operation. 4 8
What to Confirm in Workers’ Compensation Insurance 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 reviewsKinro
Review Score
We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it.[7]
Read Kinro reviewsOffering Details
AIG vs Kinro: Workers’ Compensation Insurance: documented features by provider
| Criteria | AIG Workers’ Compensation Insurance | Kinro Workers Compensation |
|---|---|---|
| Role in This Line | Confirm in your quote. | Kinro is a broker: it matches a business to a workers' compensation carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite and required state filings. 8Company-reported. Workers Compensation page "Routing" and "Market fit" sections. |
| Who It’s For | AIG Risk Management describes customized workers’ compensation program structures for sophisticated organizations that retain portions of their risk through deductibles, self-insured retentions, captives or retrospective programs. 3Company-reported. AIG Risk Management structures for sophisticated organizations that retain some risk. Claim limitation: The source does not connect the separate general casualty risk-consulting/loss-control section to these workers’ compensation structures; it does not establish universal small-business availability, a specific issuing entity or state availability. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Kinro says workers' compensation commonly fits restaurants, contractors, cleaning crews and retail teams, and typically comes up when a business hires W-2 employees, a customer or contract requires it before work starts, or the business operates in a state where employee count triggers a coverage requirement. 8Company-reported. Workers Compensation page "Common fit" and "Triggers" sections. |
| Coverage Features | AIG includes workers’ compensation in corporate casualty solutions for organizations across sectors and sizes. 3Company-reported. AIG corporate casualty segment. Claim limitation: Does not identify specific issuing entity or all states. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. AIG lists workers compensation among the coverages in its nationwide Motorsports Program for motorsports owners, tracks and teams. 4Company-reported. AIG Programs MotorSports Program. Claim limitation: This is a single niche program; it does not establish availability to other employers. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Kinro describes workers' compensation as covering employee workplace injuries and occupational illness claims, with state-specific payroll, class-code and ownership questions and evidence of coverage for contracts, leases and customer requirements. 8Company-reported. Workers Compensation page introduction and "Coverage" section; actual terms depend on the carrier, state and policy placed. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish workers' compensation premiums or benefit limits; statutory benefit levels are set by each state, and Kinro's page lists payroll, class codes and experience modifiers as inputs carriers need to quote, not published amounts. 8Not found in reviewed sources. Workers Compensation page "Quote file" section as read on 2026-09-23. |
| How to Apply | Confirm in your quote. | To quote workers' compensation, Kinro collects payroll by state, owner inclusion or exclusion, employee duties, class codes, subcontractor exposure and prior experience modifiers, and often reviews it together with general liability, commercial auto and BOP coverage. 8Company-reported. Workers Compensation page "Quote file" and "Reviewed with" sections. |
Full Comparison
More AIG vs Kinro Comparisons
Other Workers’ Compensation 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.
- Casualty Insurance - Business Casualty Risk Solutions | AIG US. AIG US; Corporate Accounts; Truck Insurance; AIG Risk Management; AIG Risk Management program structures, lines 293–297. Accessed 2026-09-28.
- AIG Programs Insurance | AIG US. AIG US; MotorSports Program, coverage specifics and location (lines 526–543). Accessed 2026-09-28.
Kinro
- Kinro Business Insurance. Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
- Free Review Of Your Insurance Policy. Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
- For Carriers And MGAs. Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15.
- Workers Compensation. Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
