AIG vs Relm Insurance: 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.

Relm markets cyber liability insurance as a distinct line on the same page as its Technology Errors and Omissions product, explicitly noting the two are related but not the same coverage. ⁶Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers general cyber liability, distinct from Relm's separate generative-ai-liability offering record covering its NOVAAI, PONTAAI and RESCAAI AI-specific products.

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The reviewed page does not name a specific issuing insurer for cyber placements. ⁶Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

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.

Relm says a business is exposed to cyber risk if it relies on digital infrastructure, and frames the coverage around sectors with 'untested legal terrain and lagging regulation.' ⁶Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.

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.

Relm says cyber coverage addresses network security breaches, privacy breaches and extortion threats, including data breach response costs (notification, credit monitoring, PR), forensic investigation and legal defense, ransom payments and business interruption losses, data and asset recovery, and digital crime such as funds transfer fraud and invoice manipulation. ⁶Company-reported. Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control.

Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. ⁶Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section.

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.

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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.

Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁶Company-reported. Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model.

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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