---
title: "AIG vs Risklytics"
description: "Compare AIG’s commercial insurer offerings with Risklytics’ brokerage for frontier-technology businesses."
canonical: "https://spot.insure/compare/aig-vs-risklytics"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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-risklytics)

# AIG vs Risklytics

Compare AIG’s commercial insurer offerings with Risklytics’ brokerage for frontier-technology businesses.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

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](https://www.aig.com/investor-relations "Investor Relations") [4](https://www.aig.com/login "AIG Login") [17](https://www.risklytics.ai/about/ "About Risklytics") [16](https://www.risklytics.ai/ "Insurance for Frontier Tech")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### AIG

Role: Insurance carrier.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: AIG’s complete U.S.-domiciled P&C company list and broad license/eligibility jurisdictions are transcribed from its own notice and treated as trustworthy company-reported evidence. Product-specific insurer assignments remain unknown because the notice itself makes no such assignment.; No specific policy-to-issuing-company mapping; AIG's published U.S.-domiciled P&C company list is fully transcribed, but its notice disclaims policy-specific issuer inference.; No individual statutory capital, surplus, results or financial strength rating for each named operating insurer was assessed; available AIG figures are group aggregate and AM Best coverage is a rating unit.; No complete current reinsurance treaty schedule, capacity panel, terms, collateral, renewal history or mapping from any program to its issuer and reinsurers. Named NICO/Fortitude arrangements are legacy or run-off scope.; Claims responsibility, delegated administrators, entity-specific oversight, service standards, complaint escalation and claims performance remain unverified by issuing company and program.; The 2025 Missouri action against National Union is verified as listed but inaccessible in the scanned linked PDF; the matter and outcome are unknown.; Regulatory conduct review was scoped to the New York DFS enforcement index and Missouri DOI records for selected named entities; it was not a search of every state regulator, federal court, or all regulator datasets. No clean-record conclusion is supported.; A 2025 New York DFS action names 'AIG Property Casualty Insurance Company'; its relationship to 'AIG Property Casualty Company' is unresolved and the action is not attributed to the latter.; Producer compensation disclosures are company-reported and based on 2024 U.S. business. Individual policy compensation and any producer-specific agreement are unknown.; Illinois National Insurance Co.'s California profile returned an error, so its license there is unverified. No state other than California, New York and Missouri was checked against regulator records.; AM Best's rating covers the whole AIG rating unit. An individual grade for each named commercial insurer was not opened.); Claims and Servicing (The supplied evidence did not support a score for Claims and Servicing; this factor is excluded, not scored as zero. Canonical evidence gaps: AIG’s complete U.S.-domiciled P&C company list and broad license/eligibility jurisdictions are transcribed from its own notice and treated as trustworthy company-reported evidence. Product-specific insurer assignments remain unknown because the notice itself makes no such assignment.; No specific policy-to-issuing-company mapping; AIG's published U.S.-domiciled P&C company list is fully transcribed, but its notice disclaims policy-specific issuer inference.; No individual statutory capital, surplus, results or financial strength rating for each named operating insurer was assessed; available AIG figures are group aggregate and AM Best coverage is a rating unit.; No complete current reinsurance treaty schedule, capacity panel, terms, collateral, renewal history or mapping from any program to its issuer and reinsurers. Named NICO/Fortitude arrangements are legacy or run-off scope.; Claims responsibility, delegated administrators, entity-specific oversight, service standards, complaint escalation and claims performance remain unverified by issuing company and program.; The 2025 Missouri action against National Union is verified as listed but inaccessible in the scanned linked PDF; the matter and outcome are unknown.; Regulatory conduct review was scoped to the New York DFS enforcement index and Missouri DOI records for selected named entities; it was not a search of every state regulator, federal court, or all regulator datasets. No clean-record conclusion is supported.; A 2025 New York DFS action names 'AIG Property Casualty Insurance Company'; its relationship to 'AIG Property Casualty Company' is unresolved and the action is not attributed to the latter.; Producer compensation disclosures are company-reported and based on 2024 U.S. business. Individual policy compensation and any producer-specific agreement are unknown.; Illinois National Insurance Co.'s California profile returned an error, so its license there is unverified. No state other than California, New York and Missouri was checked against regulator records.; AM Best's rating covers the whole AIG rating unit. An individual grade for each named commercial insurer was not opened.); Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: AIG’s complete U.S.-domiciled P&C company list and broad license/eligibility jurisdictions are transcribed from its own notice and treated as trustworthy company-reported evidence. Product-specific insurer assignments remain unknown because the notice itself makes no such assignment.; No specific policy-to-issuing-company mapping; AIG's published U.S.-domiciled P&C company list is fully transcribed, but its notice disclaims policy-specific issuer inference.; No individual statutory capital, surplus, results or financial strength rating for each named operating insurer was assessed; available AIG figures are group aggregate and AM Best coverage is a rating unit.; No complete current reinsurance treaty schedule, capacity panel, terms, collateral, renewal history or mapping from any program to its issuer and reinsurers. Named NICO/Fortitude arrangements are legacy or run-off scope.; Claims responsibility, delegated administrators, entity-specific oversight, service standards, complaint escalation and claims performance remain unverified by issuing company and program.; The 2025 Missouri action against National Union is verified as listed but inaccessible in the scanned linked PDF; the matter and outcome are unknown.; Regulatory conduct review was scoped to the New York DFS enforcement index and Missouri DOI records for selected named entities; it was not a search of every state regulator, federal court, or all regulator datasets. No clean-record conclusion is supported.; A 2025 New York DFS action names 'AIG Property Casualty Insurance Company'; its relationship to 'AIG Property Casualty Company' is unresolved and the action is not attributed to the latter.; Producer compensation disclosures are company-reported and based on 2024 U.S. business. Individual policy compensation and any producer-specific agreement are unknown.; Illinois National Insurance Co.'s California profile returned an error, so its license there is unverified. No state other than California, New York and Missouri was checked against regulator records.; AM Best's rating covers the whole AIG rating unit. An individual grade for each named commercial insurer was not opened.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: AIG’s complete U.S.-domiciled P&C company list and broad license/eligibility jurisdictions are transcribed from its own notice and treated as trustworthy company-reported evidence. Product-specific insurer assignments remain unknown because the notice itself makes no such assignment.; No specific policy-to-issuing-company mapping; AIG's published U.S.-domiciled P&C company list is fully transcribed, but its notice disclaims policy-specific issuer inference.; No individual statutory capital, surplus, results or financial strength rating for each named operating insurer was assessed; available AIG figures are group aggregate and AM Best coverage is a rating unit.; No complete current reinsurance treaty schedule, capacity panel, terms, collateral, renewal history or mapping from any program to its issuer and reinsurers. Named NICO/Fortitude arrangements are legacy or run-off scope.; Claims responsibility, delegated administrators, entity-specific oversight, service standards, complaint escalation and claims performance remain unverified by issuing company and program.; The 2025 Missouri action against National Union is verified as listed but inaccessible in the scanned linked PDF; the matter and outcome are unknown.; Regulatory conduct review was scoped to the New York DFS enforcement index and Missouri DOI records for selected named entities; it was not a search of every state regulator, federal court, or all regulator datasets. No clean-record conclusion is supported.; A 2025 New York DFS action names 'AIG Property Casualty Insurance Company'; its relationship to 'AIG Property Casualty Company' is unresolved and the action is not attributed to the latter.; Producer compensation disclosures are company-reported and based on 2024 U.S. business. Individual policy compensation and any producer-specific agreement are unknown.; Illinois National Insurance Co.'s California profile returned an error, so its license there is unverified. No state other than California, New York and Missouri was checked against regulator records.; AM Best's rating covers the whole AIG rating unit. An individual grade for each named commercial insurer was not opened.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/aig/reliability).

### Risklytics

Role: Broker.

Broker Spot Score: **5.4/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/risklytics/reliability).

## 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).

## Risklytics Reviews

Review Score: not enough ratings.

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.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/risklytics/reviews).





## Coverage Comparison

| Coverage Type | AIG | Risklytics |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: AIG Builders Risk  | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: AIG Ocean Cargo  | Not listed |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: AIG Truck Insurance Group commercial auto (scoped to for-hire trucking)  | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: AIG Commercial Property / Retail Property  | Listed: Risklytics arranges commercial property insurance for robotics, hardware and AI businesses. [19](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| [Crime](https://spot.insure/coverage/crime) | Listed: AIG Crime Insurance / CrimeGuard Choice  | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)  | Listed: Risklytics arranges cyber insurance for robotics, hardware and AI businesses. [19](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: AIG Directors & Officers Liability  | Listed: Risklytics arranges directors and officers liability insurance for robotics, hardware and AI businesses. [19](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: AIG Medical Indemnity supplemental group health benefit  | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: AIG Employment Practices Liability Insurance  | Not listed |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only.  | Not listed |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed: 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 liability](https://spot.insure/coverage/fiduciary) | Listed: AIG Fiduciary Liability Insurance / Fiduciary Edge  | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: AIG Programs general liability (three separate program scopes)  | Listed: Risklytics arranges general liability insurance for robotics, hardware and AI businesses. [19](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: 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 property](https://spot.insure/coverage/intellectual-property) | Not listed | Listed: Risklytics arranges intellectual property insurance for robotics, hardware and AI businesses. [19](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: AIG CrisiSolution K&R and extortion  | Not listed |
| [Liquor liability](https://spot.insure/coverage/liquor-liability) | Listed: 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 liability](https://spot.insure/coverage/management-liability) | Listed: 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 liability](https://spot.insure/coverage/media) | Listed: AIG Media Content and Publishers & Broadcasters liability (distinct descriptions)  | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: AIG Aviation Product Liability  | Not listed |
| [Product recall](https://spot.insure/coverage/product-recall) | Listed: AIG 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. [12](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/multinational/aig-multinational-product-recall-summary-sheet.pdf.coredownload.pdf "AIG Multinational Product Recall Summary Sheet") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: AIG entity-based Professional Liability / Specialty Professional E&O  | Not listed |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: AIG Representations & Warranties Insurance  | Not listed |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | 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: Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses. [19](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: AIG Inland Marine (Transportation & Logistics; Construction & Equipment)  | Listed: Risklytics arranges inland marine equipment coverage for robotics, hardware and AI businesses. [19](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| [Trucking](https://spot.insure/coverage/trucking) | Listed: AIG Truck Insurance Group  | Not listed |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: AIG Excess Casualty (lead umbrella and mid/high excess)  | Listed: Risklytics arranges umbrella insurance for robotics, hardware and AI businesses. [19](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: AIG Workers’ Compensation options by distinct channel  | Listed: Risklytics arranges workers’ compensation insurance for robotics, hardware and AI businesses. [19](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |

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.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## 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](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/legal-notice "Additional Legal Notices") [17](https://www.risklytics.ai/about/ "About Risklytics") [18](https://www.risklytics.ai/terms/ "Terms of Service") [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/legal-notice "Additional Legal Notices") [3](https://www.aig.com/home/risk-solutions/business "Business") [17](https://www.risklytics.ai/about/ "About Risklytics") [19](https://www.risklytics.ai/markets/ "For insurers and wholesale markets")

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](https://www.aig.com/login "AIG Login") [16](https://www.risklytics.ai/ "Insurance for Frontier Tech")

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](https://www.aig.com/login "AIG Login") [5](https://www.aig.com/business/business-claims/intellirisk-services "IntelliRisk") [21](https://www.risklytics.ai/faq/ "Questions founders ask") [18](https://www.risklytics.ai/terms/ "Terms of Service") [22](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker")

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](https://www.aig.com/home/risk-solutions/business/l/producer-compensation "Producer Compensation") [20](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [18](https://www.risklytics.ai/terms/ "Terms of Service")

## What to Confirm in Quotes

- Which Risklytics producer and insurer will handle the account, and which AIG company would issue each line? [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/legal-notice "Additional Legal Notices") [17](https://www.risklytics.ai/about/ "About Risklytics") [18](https://www.risklytics.ai/terms/ "Terms of Service")
- Review the completed application before signature and ask for the exact forms addressing the company’s technology, products and contracts. [4](https://www.aig.com/login "AIG Login") [16](https://www.risklytics.ai/ "Insurance for Frontier Tech")
- Confirm certificate and renewal responsibilities, claim contacts, premium and all broker or policy fees. [4](https://www.aig.com/login "AIG Login") [5](https://www.aig.com/business/business-claims/intellirisk-services "IntelliRisk") [21](https://www.risklytics.ai/faq/ "Questions founders ask") [18](https://www.risklytics.ai/terms/ "Terms of Service") [22](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker") [6](https://www.aig.com/home/risk-solutions/business/l/producer-compensation "Producer Compensation") [20](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [18](https://www.risklytics.ai/terms/ "Terms of Service")

## Compare Services

What each provider documents about the services you may need.

| Criteria | AIG | Risklytics |
| --- | --- | --- |
| 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](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/legal-notice "Additional Legal Notices") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | Risklytics arranges commercial insurance for frontier-technology businesses; its disclosures identify Risklytics, Inc. dba Risklytics Insurance Services as producer, not insurer. [17](https://www.risklytics.ai/about/ "About Risklytics") [18](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Company legal disclosures, including live terms section 2. Producer authority is company-reported, not regulator-verified.; verified: 2026-09-16.) |
| 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. [4](https://www.aig.com/login "AIG Login") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | 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. [16](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)<br><br>Risklytics says it reviews your application, approaches insurers and explains quote wording; the insurer binds only after you accept, and timing varies by risk. [21](https://www.risklytics.ai/faq/ "Questions founders ask") (Evidence: Company-reported; scope: FAQ process description only; no application, quote or binding transaction performed.; verified: 2026-09-16.) |
| 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. [4](https://www.aig.com/login "AIG Login") (Evidence: Company-reported; scope: Public description of a North America broker/agent portal; authenticated functions and account-specific availability were not reviewed.; verified: 2026-09-28.) | 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](https://www.risklytics.ai/faq/ "Questions founders ask") [18](https://www.risklytics.ai/terms/ "Terms of Service") [22](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker") (Evidence: Company-reported; scope: Published servicing descriptions; no authenticated account inspected or service delivery measured.; verified: 2026-09-16.)<br><br>Risklytics advertises an email response within a day; treat this as a target, not an emergency-claims commitment or verified result. [22](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) |
| 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. [6](https://www.aig.com/home/risk-solutions/business/l/producer-compensation "Producer Compensation") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [18](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Retail pricing page and terms section 9; no total-cost comparison with direct purchase or other brokers is supported.; verified: 2026-09-16.) |

## Related Reading

- [What Is AIG?](https://spot.insure/insurance-providers/aig)
- [What Is Risklytics Insurance?](https://spot.insure/insurance-providers/risklytics)

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- [AIG vs Cowbell](https://spot.insure/compare/aig-vs-cowbell)
- [AIG vs Embroker](https://spot.insure/compare/aig-vs-embroker)
- [AIG vs Founder Shield](https://spot.insure/compare/aig-vs-foundershield)
- [Alliance Risk vs Risklytics](https://spot.insure/compare/alliance-risk-vs-risklytics)
- [Amelia Risk vs Risklytics](https://spot.insure/compare/amelia-risk-vs-risklytics)
- [Aon vs Risklytics](https://spot.insure/compare/aon-vs-risklytics)
- [Armilla vs Risklytics](https://spot.insure/compare/armilla-vs-risklytics)
- [At-Bay vs Risklytics](https://spot.insure/compare/at-bay-vs-risklytics)
- [The Baldwin Group vs Risklytics](https://spot.insure/compare/baldwin-vs-risklytics)
- [Beazley vs Risklytics](https://spot.insure/compare/beazley-vs-risklytics)
- [Berkshire Hathaway Specialty Insurance vs Risklytics](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics)
- [biBerk vs Risklytics](https://spot.insure/compare/biberk-vs-risklytics)
- [CFC vs Risklytics](https://spot.insure/compare/cfc-vs-risklytics)
- [Chubb vs Risklytics](https://spot.insure/compare/chubb-vs-risklytics)
- [CNA vs Risklytics](https://spot.insure/compare/cna-vs-risklytics)
- [Coalition vs Risklytics](https://spot.insure/compare/coalition-vs-risklytics)
- [Corgi vs Risklytics](https://spot.insure/compare/corgi-vs-risklytics)
- [Coterie Insurance vs Risklytics](https://spot.insure/compare/coterie-vs-risklytics)
- [Counterpart vs Risklytics](https://spot.insure/compare/counterpart-vs-risklytics)
- [Coverdash vs Risklytics](https://spot.insure/compare/coverdash-vs-risklytics)
- [Cowbell vs Risklytics](https://spot.insure/compare/cowbell-vs-risklytics)
- [Embroker vs Risklytics](https://spot.insure/compare/embroker-vs-risklytics)

## Sources

### [AIG Official Website](https://www.aig.com/)

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. [Additional Legal Notices](https://www.aig.com/legal-notice). 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](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
4. [AIG Login](https://www.aig.com/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](https://www.aig.com/business/business-claims/intellirisk-services). 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](https://www.aig.com/home/risk-solutions/business/l/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](https://www.aig.com/home/risk-solutions/business/aig-programs). 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](https://www.aig.com/us/CyberEdge). 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](https://www.aig.com/home/risk-solutions/business/casualty/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](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability). 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](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability). 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](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/multinational/aig-multinational-product-recall-summary-sheet.pdf.coredownload.pdf). 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](https://www.aig.com/home/risk-solutions/business/accident-and-health/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](https://www.aig.com/business/industry/aerospace.secure). 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](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds). 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](https://www.risklytics.ai/)

16. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
17. [About Risklytics](https://www.risklytics.ai/about/). Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
18. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
19. [For insurers and wholesale markets](https://www.risklytics.ai/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.
20. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
21. [Questions founders ask](https://www.risklytics.ai/faq/). Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application? Accessed 2026-09-16.
22. [Contact a commercial insurance broker](https://www.risklytics.ai/contact/). Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
23. [Professional Liability (Tech E&O) insurance](https://www.risklytics.ai/lines/professional/). Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
24. [Intellectual Property insurance, explained](https://www.risklytics.ai/lines/intellectual-property/). Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
25. [Space insurance, explained](https://www.risklytics.ai/lines/space/). Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
26. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Agency-name search form; no license result returned. 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. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-risklytics.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)