--- title: "AIG vs RiskCube: Crime Insurance" description: "AIG presents crime as a product for commercial and government entities and links its CrimeGuard Choice sample. RiskCube describes a crime placement focused on its stated market segment, so buyers should verify whether that segment matches their organization." canonical: "https://spot.insure/compare/aig-vs-riskcube/crime" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-riskcube" provider-a: "aig" provider-b: "riskcube" coverage-line: "crime" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/aig-vs-riskcube/crime) ## Agent Guide **What this page is:** Focused comparison of AIG and RiskCube for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Crime Insurance questions about AIG versus RiskCube. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - AIG vs RiskCube for Crime Insurance: how do they differ? - Which is better for Crime Insurance, AIG or RiskCube? - What does AIG or RiskCube publish about Crime Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Crime Insurance from AIG or RiskCube? **Key facts:** - Line: Crime Insurance. Providers: AIG and RiskCube. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [AIG vs RiskCube](https://spot.insure/compare/aig-vs-riskcube) — parent: all coverage lines for this pair - [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line - [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence) - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile (evidence) - [AIG vs RiskCube Cyber Insurance](https://spot.insure/compare/aig-vs-riskcube/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube D&O Insurance](https://spot.insure/compare/aig-vs-riskcube/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube General Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Crime Insurance](https://spot.insure/compare/aig-vs-alliance-risk/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon Crime Insurance](https://spot.insure/compare/aig-vs-aon/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aig-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs Beazley Crime Insurance](https://spot.insure/compare/aig-vs-beazley/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs CFC Crime Insurance](https://spot.insure/compare/aig-vs-cfc/crime) — sibling comparison (other line, or other pair for this line) # AIG vs RiskCube: How Do They Compare for Crime Insurance? AIG presents crime as a product for commercial and government entities and links its CrimeGuard Choice sample. RiskCube describes a crime placement focused on its stated market segment, so buyers should verify whether that segment matches their organization. ## Research Scope and Use Use this comparison to evaluate AIG and RiskCube for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary AIG presents crime as a product for commercial and government entities and links its CrimeGuard Choice sample. RiskCube describes a crime placement focused on its stated market segment, so buyers should verify whether that segment matches their organization. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## 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](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business") [AIG profile](https://spot.insure/insurance-providers/aig) ## What Is RiskCube Insurance? RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. [4](https://riskcubeai.com/ "Startup Business Insurance") [5](https://riskcubeai.com/licenses "Licenses & Disclosures") [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") [RiskCube profile](https://spot.insure/insurance-providers/riskcube) ## What Is Crime Insurance? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [11](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [12](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application") ## Key Differences in Crime Insurance ### Product form and buyer segment AIG presents crime as a product for commercial and government entities and links its CrimeGuard Choice sample. RiskCube describes a crime placement focused on its stated market segment, so buyers should verify whether that segment matches their organization. Ask RiskCube for the insurer and form, then compare the named insured and covered loss categories with AIG's sample. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") ### Application and underwriting detail AIG identifies a dedicated underwriting team for Crime and Fidelity. RiskCube describes an advisor-led route for discussing crime coverage, which lets a buyer review fit before selecting terms. Ask RiskCube what application and financial-control information it needs, and ask AIG which underwriting materials apply to your requested limits. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What to Confirm in Crime Insurance Quotes - For AIG, ask for the exact policy form, covered-event schedule and limits relevant to the differences above. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") - For RiskCube, ask which carrier, endorsements and application route apply to the quoted placement, and confirm the specific terms above. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## Offering Details | Criteria | AIG Crime Insurance | RiskCube Commercial Crime Insurance | | --- | --- | --- | | Role in This Line | AIG markets crime insurance as a risk-bearing insurance product for commercial and governmental entities, separate from its financial-institution bond offering. The policy issuer is not named for a particular buyer. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically..) | | Who It’s For | AIG says its crime insurance is available for commercial and governmental entities. Financial-institution bonds are described separately for banks, non-bank lenders, asset managers and insurance companies. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue Commercial Crime card..) | | Coverage Features | AIG describes potential crime coverage for loss of money, securities and other assets from dishonesty, theft or fraud, including computer fraud. AIG links a CrimeGuard Choice sample policy; actual terms and state availability vary. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue Commercial Crime card summary..) | | Limits and Retentions | The reviewed page and linked product overview do not state a standard buyer-specific limit, retention or deductible. Confirm those in the quote and issued policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not publicly disclosed; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table..) | | Risk Services | AIG identifies a dedicated underwriting team and experienced claims professionals for its Crime and Fidelity business. The page does not promise claim outcomes or specify account-level service terms. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available..) | | How to Apply | Confirm in your quote. | RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific..) | | Claims Support | Confirm in your quote. | The reviewed catalogue page does not describe claims handling specific to commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available..) | ## Full Comparison - [AIG vs RiskCube](https://spot.insure/compare/aig-vs-riskcube): all coverage lines, business roles, service and claims. - [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms. - [AIG vs RiskCube Cyber Insurance](https://spot.insure/compare/aig-vs-riskcube/cyber) - [AIG vs RiskCube D&O Insurance](https://spot.insure/compare/aig-vs-riskcube/directors-officers) - [AIG vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/employment-practices) - [AIG vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/fiduciary) - [AIG vs RiskCube General Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/general-liability) - [AIG vs Alliance Risk Crime Insurance](https://spot.insure/compare/aig-vs-alliance-risk/crime) - [AIG vs Aon Crime Insurance](https://spot.insure/compare/aig-vs-aon/crime) - [AIG vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aig-vs-baldwin/crime) - [AIG vs Beazley Crime Insurance](https://spot.insure/compare/aig-vs-beazley/crime) - [AIG vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/crime) - [AIG vs CFC Crime Insurance](https://spot.insure/compare/aig-vs-cfc/crime) ## Sources ### AIG 1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28. 2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28. 3. [Crime and Fidelity Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds). AIG; Official AIG page, lines 242–270 and 353–354: crime-loss examples, commercial/government entity audience, CrimeGuard Choice sample policy/application, and policy/state availability caveat.. Accessed 2026-09-30. ### RiskCube 4. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 5. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 6. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23. 7. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; Commercial Crime card: "Protects your startup from financial losses caused by employee theft, fraud, forgery, and social engineering attacks. Essential for startups handling client funds, payment data, or operating with a distributed team"; catalogue intro and process steps. Accessed 2026-09-23. ### Crime Insurance Guide 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16. 9. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16. 10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16. 11. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16. 12. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## AIG Reviews Review Score: 4.4 / 10 from 2 rated sources, equally weighted. 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. - NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best) - Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com) - ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html) - BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews). ## RiskCube Reviews Review Score: not enough ratings. RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/riskcube/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-riskcube/crime.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)