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 Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 4,5
What Is Kidnap and Ransom Insurance?
Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. 7,8,9
Key Differences in Kidnap and Ransom Insurance
AIG gives event examples; Liberty Mutual places K&R in a multinational program
AIG markets CrisiSolution and describes primary and excess examples for kidnapping, extortion, wrongful detention, hijacking, threats and disappearance. Liberty Mutual lists K&R among Liberty WorldWise multinational coverage and services, presenting it for companies with foreign exposures. Liberty’s listing does not establish standalone domestic availability or policy terms. A buyer with overseas operations should ask how its proposed WorldWise placement addresses each territory; an AIG comparison should use the issued form and extensions. 3 6
The placement channel is explicit for Liberty Mutual
AIG’s overview does not identify the insurer for an individual placement. Liberty Mutual says commercial products are distributed through brokers and agents. In either case, the quote should identify the issuing entity and local policy arrangement, especially for travel across borders. 3 6
What to Confirm in Kidnap and Ransom 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 reviewsLiberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsOffering Details
AIG vs Liberty Mutual: Kidnap and Ransom Insurance: documented features by provider
| Criteria | AIG CrisiSolution Kidnap, Ransom and Extortion Insurance | Liberty WorldWise kidnap, ransom and extortion coverage |
|---|---|---|
| Role in This Line | AIG markets CrisiSolution as its main corporate Kidnap, Ransom and Extortion policy and also describes related package and endorsement routes. The issuing insurer for a specific placement is not named on the overview. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Liberty Mutual lists kidnap, ransom and extortion among the Liberty WorldWise multinational coverage and service components. 6Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty WorldWise kidnap, ransom and extortion coverage. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Who It’s For | AIG describes CrisiSolution for corporate businesses, individuals and high-net-worth families, with examples of higher-risk industries such as energy, mining, maritime, multinationals, charities and NGOs. This is not a guarantee of account eligibility or worldwide local placement. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | The company distributes commercial products through brokers and agents. 6Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty WorldWise kidnap, ransom and extortion coverage. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Coverage Features | AIG describes primary and excess coverage examples for kidnapping, extortion, wrongful detention, hijacking, threats, disappearance and hostage events, with certain additional extensions. Each extension remains subject to its policy wording and conditions. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | The listed coverage is presented for companies with foreign exposures; the page does not establish standalone domestic availability or policy terms. 6Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty WorldWise kidnap, ransom and extortion coverage. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Limits and Retentions | The public product overview does not state a buyer-specific limit, retention or sublimit schedule. Confirm those and any applicable consent requirements in the quote and issued policy. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Confirm in your quote. |
| Risk Services | AIG lists crisis-planning, training and response support through Crisis24 and MBL Global, along with global claims professionals and a 24/7 contact resource. Some response services are supplied by outside providers. 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. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. 6Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. |
Full Comparison
More AIG vs Liberty Mutual Comparisons
Other Kidnap and Ransom 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.
- Kidnap, Ransom & Extortion Insurance. AIG; Official AIG CrisiSolution page, lines 242–275: product and covered-event examples, named corporate/individual/family audiences, extensions, response services and standard-policy caveat. Accessed 2026-09-30.
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Multinational. Liberty Mutual Business Insurance; Liberty WorldWise coverage list names foreign property/general liability/auto-excess/voluntary compensation and employers liability, accidental death and dismemberment, kidnap/ransom/extortion, crime, crisis management, travel assistance; states broker/agent distribution. Product and international scope only. Accessed 2026-09-29.
Kidnap and Ransom Insurance Guide
- Kidnap and Ransom Applications and Forms. Travelers; Opening; Applications; Sample policy forms. Accessed 2026-09-16.
- The Chubb Primary Kidnap Ransom and Extortion Insurance. Chubb; Opening; Kidnap, Ransom & Extortion Insurance Highlights. Accessed 2026-09-16.
- Kidnap and Ransom Coverage. Travelers; I pp.1–2; III pp.3–9; IV p.9; V pp.10–13. Accessed 2026-09-16.
