---
title: "AIG vs RiskCube: Cyber Insurance"
description: "AIG separates CyberEdge forms by loss type, while RiskCube highlights affirmative coverage for AI-related cyber incidents."
canonical: "https://spot.insure/compare/aig-vs-riskcube/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-riskcube"
provider-a: "aig"
provider-b: "riskcube"
coverage-line: "cyber"
---

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/cyber)

## Agent Guide

**What this page is:** Focused comparison of AIG and RiskCube for Cyber 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 Cyber 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 Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, AIG or RiskCube?
- What does AIG or RiskCube publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from AIG or RiskCube?

**Key facts:**
- Line: Cyber 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
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — 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 Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) — 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 Cyber Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Cyber Insurance](https://spot.insure/compare/aig-vs-amelia-risk/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Cyber Insurance](https://spot.insure/compare/aig-vs-aon/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs At-Bay Cyber Insurance](https://spot.insure/compare/aig-vs-at-bay/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/aig-vs-baldwin/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Cyber Insurance](https://spot.insure/compare/aig-vs-beazley/cyber) — sibling comparison (other line, or other pair for this line)

# AIG vs RiskCube: How Do They Compare for Cyber Insurance?

AIG separates CyberEdge forms by loss type, while RiskCube highlights affirmative coverage for AI-related cyber incidents.

## Research Scope and Use

Use this comparison to evaluate AIG and RiskCube for Cyber 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 describes CyberEdge, CyberEdge Plus and excess CyberEdge PC; RiskCube targets AI and data businesses and says it places programs with affirmative AI coverage. Compare the form and AI wording against your exposure. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge") [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups")

## 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 Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [8](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [9](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## Key Differences in Cyber Insurance

### AI risk and the policy structure

AIG describes CyberEdge for breach costs, CyberEdge Plus for physical-world loss from a cyber event, and CyberEdge PC as excess of traditional property and casualty policies. RiskCube says it places programs with affirmative coverage for agentic-AI incidents and training-data or model-security issues, adding an AI wrap when primary cyber or Tech E&O excludes those risks. If AI operations are central to your business, ask RiskCube to identify the exact AI grant and ask AIG which CyberEdge form responds to the event you anticipate. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge") [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups")

### Eligibility and buying path

AIG publishes no complete industry, revenue, or security-control appetite in the reviewed material, so underwriting determines fit. RiskCube names AI and data companies, cloud and DevOps platforms, payment processors, and businesses handling sensitive data or pursuing SOC 2 as target buyers. Its roughly ten-minute intake leads to broker comparison of carrier quotes; AIG provides a U.S. underwriting application and broker contacts. That difference may shape which intake is practical, but neither route itself guarantees acceptance. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge") [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups")

## What to Confirm in Cyber Insurance Quotes

- Ask AIG which form applies to your incident scenario and whether the quote is standalone or an endorsement. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge")
- Ask RiskCube for the issuing carrier, AI wording, limits, and whether the AI wrap is included in the quoted program. [6](https://riskcubeai.com/disclosures "Disclosures & Compensation")

## Offering Details

| Criteria | AIG CyberEdge, CyberEdge Plus and CyberEdge PC | RiskCube Cyber Insurance |
| --- | --- | --- |
| Role in This Line | 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. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge") (Evidence: Company-reported; scope: 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..) | RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options..) |
| Issuing Insurer | Confirm in your quote. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including cyber, are underwritten and issued by third-party carriers it does not name; the cyber page itself does not identify an issuing insurer. [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure and the cyber product page as read on 2026-09-23..) |
| Who It’s For | 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. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge") (Evidence: Company-reported; scope: Audience stated by AIG on its U.S. CyberEdge marketing page; no application eligibility schedule was reviewed..) | RiskCube targets cyber coverage at AI and data companies, cloud/DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies. [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page "Who needs cyber insurance" section..) |
| Coverage Features | 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. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge") (Evidence: Company-reported; scope: 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..) | RiskCube describes cyber coverage as combining first-party costs such as breach response, ransomware negotiation, forensics and data or asset recovery, with third-party liability for claims by customers, regulators, vendors or partners. [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections..)<br><br>RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page "Cyber coverage built for AI and agentic companies" section..) |
| Limits and Retentions | The reviewed page does not state standard cyber limits, retentions or sublimits. Confirm each amount and applicable form in the quote and issued policy. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge") (Evidence: Not publicly disclosed; scope: AIG’s U.S. CyberEdge marketing page reviewed 2026-09-30; no buyer-specific quote, application outcome or policy wording was reviewed..) | RiskCube says needed cyber limits depend on enterprise contract requirements, customer data exposure and revenue, but does not publish specific limit or retention amounts on the product page. [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Not publicly disclosed; scope: Cyber product page "How much cyber insurance do startups usually purchase" FAQ..) |
| Risk Services | 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. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge") (Evidence: Company-reported; scope: Company-described cyber risk services on AIG’s U.S. CyberEdge page; product and account applicability should be confirmed in the quote..) | Confirm in your quote. |
| How to Apply | 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. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge") (Evidence: Company-reported; scope: Application and broker contact links on AIG’s U.S. CyberEdge page; no completed application or binding workflow was reviewed..) | RiskCube describes a roughly 10-minute digital intake, then its AI agents and licensed brokers comparing carrier quotes, typically delivering cyber quotes and a vendor-ready certificate of insurance within about 24 hours. [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ..) |
| Claims Support | 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. [3](https://www.aig.com/us/CyberEdge "Cyber Insurance — CyberEdge") (Evidence: Company-reported; scope: Company-reported services and example on AIG’s CyberEdge page; policy terms and the circumstances of a loss control any claim..) | The reviewed cyber page does not describe claims handling or a dedicated claims team for this line. [7](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Not found in reviewed sources; scope: Cyber product page as read on 2026-09-23..) |

## Full Comparison

- [AIG vs RiskCube](https://spot.insure/compare/aig-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime)
- [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 Cyber Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cyber)
- [AIG vs Amelia Risk Cyber Insurance](https://spot.insure/compare/aig-vs-amelia-risk/cyber)
- [AIG vs Aon Cyber Insurance](https://spot.insure/compare/aig-vs-aon/cyber)
- [AIG vs At-Bay Cyber Insurance](https://spot.insure/compare/aig-vs-at-bay/cyber)
- [AIG vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/aig-vs-baldwin/cyber)
- [AIG vs Beazley Cyber Insurance](https://spot.insure/compare/aig-vs-beazley/cyber)

## 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. [Cyber Insurance — CyberEdge](https://www.aig.com/us/CyberEdge). AIG US; Cyber risk services and hotline, lines 253–284; coverage structure and separate CyberEdge, CyberEdge Plus, and CyberEdge PC descriptions, lines 353–374; AIG cyber claim expenses example, lines 343–352; application/contact materials, lines 358–409; policy-language caveat and legal footer, lines 449–485.. 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. [Cyber Insurance for Startups](https://riskcubeai.com/insurance/cyber). RiskCube; Who needs cyber insurance; What is Cyber Liability Insurance; What's covered; "Cyber coverage built for AI and agentic companies"; Common Exclusions; FAQs; application steps. Accessed 2026-09-23.

### Cyber Insurance Guide

8. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
9. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. 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/cyber.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)