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AIG vs Risklytics

Risklytics arranges commercial insurance for frontier-technology businesses and describes preparing applications from a company’s public description; AIG offers insurance through its subsidiaries and affiliates. A robotics, AI or space business can use this comparison to ask whether it needs specialized exposure translation, an AIG product submission, or both through a broker. 1,4,17,16

Introduction

Coverage Comparison

CoverageAIGRisklytics
Builders riskListed AIG Builders RiskNot listed
Cargo and transitListed AIG Ocean CargoNot listed
Commercial autoListed AIG Truck Insurance Group commercial auto (scoped to for-hire trucking)Not listed
Commercial propertyListed AIG Commercial Property / Retail PropertyListed 19Risklytics arranges commercial property insurance for robotics, hardware and AI businesses.
CrimeListed AIG Crime Insurance / CrimeGuard ChoiceNot listed
Cyber liabilityListed AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)Listed 19Risklytics arranges cyber insurance for robotics, hardware and AI businesses.
Directors and officersListed AIG Directors & Officers LiabilityListed 19Risklytics arranges directors and officers liability insurance for robotics, hardware and AI businesses.
Employee health and benefitsListed AIG Medical Indemnity supplemental group health benefitNot listed
Employment practices liabilityListed AIG Employment Practices Liability InsuranceNot listed
Equipment breakdownListed AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only.Not listed
Fidelity bondsListed AIG Crime and Fidelity product page; line membership is based on the named fidelity/bond product family, not a specific bond form.Not listed
Fiduciary liabilityListed AIG Fiduciary Liability Insurance / Fiduciary EdgeNot listed
General liabilityListed AIG Programs general liability (three separate program scopes)Listed 19Risklytics arranges general liability insurance for robotics, hardware and AI businesses.
Hired and non-owned autoListed AIG Manufactured Housing Program lists hired and non-owned auto for that program; this does not establish a standalone broad HNOA product.Not listed
Intellectual propertyNot listedListed 19Risklytics arranges intellectual property insurance for robotics, hardware and AI businesses.
Kidnap and ransomListed AIG CrisiSolution K&R and extortionNot listed
Liquor liabilityListed AIG Programs lists liquor liability among coverages it may develop in client-specific programs; no general standalone product or universal program availability implied.Not listed
Management liabilityListed AIG Programs Management Liability for private and non-profit companies with revenue up to $50 million; listed components are D&O, EPL and fiduciary liability.Not listed
Media liabilityListed AIG Media Content and Publishers & Broadcasters liability (distinct descriptions)Not listed
Product liabilityListed AIG Aviation Product LiabilityNot listed
Product recallListed 12AIG Multinational and Talbot market multinational Product Recall Insurance for named component-part, consumer-goods/topical/consumer-health and finished-goods segments; not an unrestricted U.S. standalone product, and the flyer does not resolve a specific policy issuer, account terms or jurisdiction-specific availability.Not listed
Professional errors and omissions (E&O)Listed AIG entity-based Professional Liability / Specialty Professional E&ONot listed
Representations and warrantiesListed AIG Representations & Warranties InsuranceNot listed
Technology errors and omissions (E&O)Listed AIG Technology Services E&O; the page separately identifies coverage for technology-service performance errors or omissions. Membership only, not a detailed accepted Tech E&O offering.Listed 19Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses.
Tools, equipment and inland marineListed AIG Inland Marine (Transportation & Logistics; Construction & Equipment)Listed 19Risklytics arranges inland marine equipment coverage for robotics, hardware and AI businesses.
TruckingListed AIG Truck Insurance GroupNot listed
Umbrella and excess liabilityListed AIG Excess Casualty (lead umbrella and mid/high excess)Listed 19Risklytics arranges umbrella insurance for robotics, hardware and AI businesses.
Workers’ compensationListed AIG Workers’ Compensation options by distinct channelListed 19Risklytics arranges workers’ compensation insurance for robotics, hardware and AI businesses.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Risklytics

Broker

Broker

5.4/ 10

Assessed provider: Risklytics. Scope: Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the licensed producer operation identified on its current official website; no carrier or underwriting role is included.

Provider assessment

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

4.4/ 10

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 reviews

Risklytics

-/ 10

Review Score

Risklytics 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 Risklytics reviews

Key Differences

Risklytics names robotics, autonomous vehicles, hardware, AI software, drones, space and defense among the businesses it helps explain to underwriters. AIG’s Surplus Lines section spans business sizes and its product catalogue includes specialist areas, but those descriptions do not guarantee eligibility. Describe the technology and contractual exposures rather than relying on an industry label alone. 1 2 17 18 1 2 3 17 19

Risklytics says it drafts applications for the buyer’s review and signature, while AIG lists broker applications in its portal. Confirm that all application details are accurate, who submits them to the insurer and which legal producer handles the state-specific placement. 4 16

Risklytics says its broker stays on the account and can issue certificates against a binder; its pages do not promise renewal shopping or certificate turnaround. AIG lists broker access to loss runs and policy documents. Ask who handles changes and how the insurer confirms that requested coverage is in force. 4 5 21 18 22

AIG’s disclosure describes commissions and possible contingent payments to brokers and agents; Risklytics’s cited information addresses a different part of the placement or its fees. These amounts are not a buyer price estimate. Ask separately for the policy premium, compensation paid to each producer and any buyer-paid fee. 6 20 18

What to Confirm in Quotes

  • Which Risklytics producer and insurer will handle the account, and which AIG company would issue each line? 1 2 17 18
  • Review the completed application before signature and ask for the exact forms addressing the company’s technology, products and contracts. 4 16
  • Confirm certificate and renewal responsibilities, claim contacts, premium and all broker or policy fees. 4 5 21 18 22 6 20 18

Compare Services

What each provider documents about the services you may need

CriteriaAIGRisklytics
Business role

“AIG” is the marketing name for American International Group, Inc.'s worldwide operations. AIG says insurance products are written or provided by subsidiaries or affiliates; its U.S. legal notice lists multiple U.S.-domiciled property and casualty insurers but does not identify which company would issue a particular commercial policy. 1,2Company-reported. AIG group naming and the listed U.S.-domiciled property and casualty companies. The legal notice is not a policy-specific carrier assignment or complete ownership chart.

Risklytics arranges commercial insurance for frontier-technology businesses; its disclosures identify Risklytics, Inc. dba Risklytics Insurance Services as producer, not insurer. 17,18Company-reported. Company legal disclosures, including live terms section 2. Producer authority is company-reported, not regulator-verified.

Application process

AIG lists a North America myAIG portal for brokers and agents to access loss runs, policy documents, applications, and tools, and a separate U.S. portal for producer appointment requests. The public pages do not establish that a business can complete an online purchase or bind coverage directly. 4Company-reported. Publicly listed North America broker/agent portal functions and U.S. producer appointment requests. Authenticated workflow and product-specific submission or binding steps were not reviewed.

Risklytics says it drafts your application from your business description and public website for your review and signature; it also advertises Slack and email updates, but the process was not independently tested. 16Company-reported. Current official service description; not independently tested or a policy entitlement.

Risklytics says it reviews your application, approaches insurers and explains quote wording; the insurer binds only after you accept, and timing varies by risk. 21Company-reported. FAQ process description only; no application, quote or binding transaction performed.

Servicing and renewals

AIG lists its North America broker portal as a place for brokers and agents to access loss runs, policy documents, applications, and tools. The page does not explain how renewals are managed or promise renewal terms or timing. 4Company-reported. Public description of a North America broker/agent portal; authenticated functions and account-specific availability were not reviewed.

Risklytics says its broker stays on the account and can issue certificates against a binder; public pages do not promise renewal shopping or certificate turnaround. 21,18,22Company-reported. Published servicing descriptions; no authenticated account inspected or service delivery measured.

Risklytics advertises an email response within a day; treat this as a target, not an emergency-claims commitment or verified result. 22Company-reported. Current official service description; not independently tested or a policy entitlement.

Fees and compensation

AIG says its companies compensate brokers and independent agents with commissions set at policy purchase, renewal, placement, or servicing, and may also pay contingent compensation. Specific compensation varies; the disclosure directs buyers to their broker or agent for policy-specific information. 6Company-reported. AIG's disclosure for business placed by brokers and independent agents with U.S. AIG offices issuing policies in the United States and territories for specified lines; its ranges describe business written in 2024 and exclude stated categories. Not a statement of any buyer's commission or total insurance cost.

Ask for buyer fees, commission and total premium because Risklytics advertises no application or brokerage charge but its terms allow other compensation and policy fees. 20,18Company-reported. Retail pricing page and terms section 9; no total-cost comparison with direct purchase or other brokers is supported.

Sources

AIG Official Website

  1. Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
  2. Additional Legal Notices. AIG US; Notice to California and Massachusetts Applicants and Insureds; insurer table lines 246–327 and listing disclaimer line 329. Accessed 2026-09-29.
  3. Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
  4. AIG Login. AIG US; Brokers & Agents: myAIG Portal for North America, lines 71–76; U.S. Producer Appointment and Licensing, lines 100–104. Accessed 2026-09-28.
  5. IntelliRisk. AIG US; Help With Every Step of the Claim Process; primary property/casualty line list, portal functions, and line/country qualification, lines 267–279. Accessed 2026-09-28.
  6. Producer Compensation. AIG US; Broker and Independent Agent Compensation and 2024 U.S. scope, lines 242–246; commissions, contingent compensation, and reporting limitations, lines 251–269 and 299–310. Accessed 2026-09-28.
  7. AIG Programs Insurance. AIG US; AIG Programs overview/product breadth and package-or-monoline description, lines 242–279; specific Management Liability program for private/non-profit companies, line $50m revenue scope and D&O/EPL/Fiduciary lines, lines 499–509; Manufactured Housing program and hired/non-owned auto, lines 512–525; multi-line examples and nationwide location markers, HTML inspected 2026-09-29. Accessed 2026-09-29.
  8. Cyber Insurance - CyberEdge Cyber Liability Insurance. AIG US; AIG CyberEdge overview, product structures and line-specific services, lines 242–269; product identity/version descriptions reopened in the page’s CyberEdge/Plus/PC sections, HTML inspected 2026-09-29. Accessed 2026-09-29.
  9. Truck Insurance Group. AIG US; Product page states admitted auto liability, physical damage and general liability for small-to-mid-size for-hire trucking firms with heavy vehicle fleets 26,000+ lbs; predominant Class A/B CDL drivers, 11–250 power units, four years operating experience, select-broker route; lines 242–247. Accessed 2026-09-29.
  10. Professional Liability Insurance. AIG US; AIG E&O overview names public/private service providers and distinct Specialty Professional E&O, Technology Services, Media Content, Publishers and Broadcasters, and Manufacturers E&O scopes; lines 327–357; current HTML inspected 2026-09-29. Accessed 2026-09-29.
  11. Employment Practices Liability Insurance. AIG US; AIG EPL policy describes primary limits up to $25m, additional excess limits may be available, third-party discrimination/harassment in the described form, and availability on a combined basis with its private-company D&O form; lines 253–266, HTML inspected 2026-09-29. Accessed 2026-09-29.
  12. AIG Multinational Product Recall Summary Sheet. AIG US; Pages 1–2; page 1 describes the AIG Multinational and Talbot Underwriting collaboration and Product Recall Insurance for component-part manufacturers, consumer goods/topical and consumer health, and finished goods; page 2 footer version GB0748AR 0426 v3. Accessed 2026-09-29.
  13. AIG Medical Indemnity Insurance. AIG US; Official AIG Medical Indemnity product page; supplemental group/employer health benefit, plan options, administration and claims sections; issuer and state caveat as shown; HTML inspected 2026-09-29. Accessed 2026-09-29.
  14. AIG Aerospace & Aviation. AIG US; Official AIG Aerospace & Aviation page; Aviation Product Liability and Aircraft Products Application sections; page inspected 2026-09-29. Accessed 2026-09-29.
  15. Crime and Fidelity Insurance. AIG US; Official AIG crime page; crime products for commercial and governmental entities, distinguishes crime cover from financial institution bonds and names financial institutions as the latter audience; lines 242–278; HTML inspected 2026-09-29. Accessed 2026-09-29.

Risklytics Official Website

  1. Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
  2. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  3. Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
  4. For insurers and wholesale markets. Risklytics; Opening brokerage positioning for robotics, hardware and AI businesses; The lines we place; Applications that state the exposure; appetite form; footer producer identity. Accessed 2026-09-16.
  5. How pricing and broker fees work. Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
  6. Questions founders ask. Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application? Accessed 2026-09-16.
  7. Contact a commercial insurance broker. Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
  8. Professional Liability (Tech E&O) insurance. Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
  9. Intellectual Property insurance, explained. Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
  10. Space insurance, explained. Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
  11. Business Name Search. California Department of Insurance; Agency-name search form; no license result returned. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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