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 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. 4,5,6
What Is Fiduciary Liability Insurance?
Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. 9,10,11
Key Differences in Fiduciary Liability Insurance
Investor Requests and Plan Scope
RiskCube’s catalogue says institutional investors often require fiduciary liability and describes claims against directors, officers and plan administrators involving mismanaged 401(k), health and stock-option programs. AIG describes coverage for people overseeing benefit plans and names optional settlor and compliance features. A startup responding to an investor request should compare the required limit and insured parties against the proposed forms rather than treating a catalogue description as proof of compliance. 3 7
Broker Role and Policy Options
RiskCube says its insurance-services entity is an independent brokerage and does not underwrite the policy. AIG markets Fiduciary Edge and related options but does not identify the issuing subsidiary for a particular account. Ask RiskCube which carrier and policy will satisfy the investor requirement, and AIG which entity and extensions will appear on its binder. 3 7
What to Confirm in Fiduciary Liability 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 reviewsRiskCube
Review Score
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.[10][1][6]
Read RiskCube reviewsOffering Details
AIG vs RiskCube: Fiduciary Liability Insurance: documented features by provider
| Criteria | AIG Fiduciary Liability Insurance Edge | RiskCube Fiduciary Liability Insurance |
|---|---|---|
| Role in This Line | AIG markets Fiduciary Liability Insurance Edge and related plan-fiduciary options. AIG’s page describes insurance protection but does not identify the issuing subsidiary for a specific account. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | RiskCube lists Fiduciary Liability Insurance as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. 7Company-reported. Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail. |
| Who It’s For | AIG describes fiduciary coverage for business executives and people or entities overseeing 401(k), pension and employee welfare plans. The page does not establish eligibility for every plan sponsor or plan type. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | RiskCube's catalogue says fiduciary liability coverage is "required by many institutional investors," positioning it as an investor-driven purchase rather than a coverage every startup is expected to carry from day one. 7Company-reported. Catalogue marketing description, not an underwriting eligibility rule. |
| Coverage Features | AIG says Fiduciary Edge addresses personal liability imposed on directors, officers and employees who oversee benefit plans and the sponsoring company. It describes certain penalty and compliance-program extensions subject to sublimits and policy terms. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | RiskCube's catalogue describes fiduciary liability as covering directors, officers and plan administrators against claims of mismanaging employee benefit plans, including 401(k) plans, health benefits and stock option programs. 7Company-reported. One-paragraph catalogue card; no policy form or exclusion list was found for this line. |
| Limits and Retentions | The page says some penalties, fees and expenses are subject to sublimits but does not publish a buyer-specific limit schedule. Confirm all sublimits and conditions in the quote and policy. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. 7,8Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote. |
| Risk Services | AIG describes specialized underwriting and claims teams and lists the IRS Audit Protector program, settlor coverage and an ACA extension as product options. Availability and scope of each option must be confirmed in the issued form. 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. | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for Fiduciary Liability (riskcubeai.com/insurance/fiduciary-liability) redirects to a general contact form rather than a dedicated page describing a fiduciary-specific application flow or required intake information. Guessed slugs /insurance/fiduciary and /insurance/fiduciary-insurance both 404. 8Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later. |
Full Comparison
More AIG vs RiskCube Comparisons
Other Fiduciary Liability 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.
- Fiduciary Liability Insurance. AIG; Official AIG Fiduciary Liability page, lines 242–274: plan sponsor and fiduciary audience, Fiduciary Edge, example statutory sublimited coverages, IRS Audit Protector, settlor and ACA options, and standard-policy caveat. Accessed 2026-09-30.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
- Startup Insurance Coverage. RiskCube; Fiduciary Liability card: "Covers directors, officers, and plan administrators against claims of mismanagement of employee benefit plans — including 401(k) plans, health benefits, and stock option programs. Required by many institutional investors."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23.
- Contact RiskCube. RiskCube; The catalogue's Fiduciary Liability "Learn more" link resolves to a general contact form, not a dedicated fiduciary liability product page. Accessed 2026-09-23.
Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability. Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
