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 Risklytics Insurance?
Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. 4,5,6
What Is Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 9,10
Key Differences in Inland Marine Insurance
Industry programs and robotic-unit protection
AIG lists inland marine for transportation/logistics and construction/equipment exposures, including movable business property. Risklytics frames its equipment coverage for robotics companies when a unit first leaves the building, including pilot equipment kept at a customer site. If the insured property is a robot or demo unit, Risklytics’ description is specific to that risk; AIG’s broader categories may suit other construction or transport property. 3 7
Schedule each unit at replacement value
Risklytics distinguishes damage to the robot itself from bodily injury to a bystander, which belongs under GL, and says each unit should be listed at replacement cost rather than covered by one blanket amount. AIG describes movable-property protection without specifying a valuation method. Ask both markets to show how demos, customer-site storage and transit are scheduled and valued. 7 7 3
Carrier choice and per-unit values
Risklytics places with outside carriers and says the bound policy names the issuing insurer; AIG’s overview likewise does not identify an insurer for a specific placement. Risklytics asks for every unit and real value before placement. Ask AIG what schedule its market requires and compare the carrier, per-unit limits, deductible and theft conditions once both proposals are available. 4 7 3
What to Confirm in Inland Marine Insurance Quotes
- Which AIG offering covers robotic units at pilots and customer sites, and how must each unit be scheduled?
- Will Risklytics insure replacement value for every unit, including during transit, demo and temporary customer storage?
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 reviewsRisklytics
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 reviewsOffering Details
AIG vs Risklytics: Inland Marine Insurance: documented features by provider
| Criteria | AIG Inland Marine Insurance | Risklytics Equipment (Inland Marine) Insurance |
|---|---|---|
| Role in This Line | AIG markets inland marine insurance through transportation/logistics and construction/equipment offerings. The exact insurer and legal form for a particular placement are not identified on the overview page. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Equipment (Inland Marine) Insurance with outside carriers; it says it does not underwrite policies itself. 4Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| Issuing Insurer | Confirm in your quote. | Risklytics does not name the carrier that underwrites Risklytics Equipment (Inland Marine) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. 7,4Company-reported. Lines page and about page; no specific insurer is published for this line. |
| Who It’s For | AIG identifies transportation and logistics businesses and construction or equipment exposures, including contractors, equipment and movable business property. The public overview is not a complete applicant eligibility schedule. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Risklytics says buyers typically need this coverage the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. 7Company-reported. Lines page. |
| Coverage Features | AIG describes inland marine protection for movable property and lists transportation/logistics plus construction/equipment categories. The page does not determine which property, causes, locations or transit stages are covered in a buyer’s policy. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Risklytics frames this as the robotics-specific line, covering equipment damaged or stolen away from the company's own premises, such as a demo unit crushed at a customer's warehouse or a crated robot stolen in transit, and distinguishes it from general liability, which would cover a bystander injured by the same robot rather than damage to the unit itself. 7Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Limits and Retentions | Published capacity figures are segment-specific and do not establish a buyer’s policy limit. Confirm the scheduled property, sublimits, catastrophe terms and deductible 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. | Risklytics says the typical ask is each unit listed and insured for its replacement cost, rather than a single blanket dollar figure. 7Company-reported. Lines page; actual limits are set on the bound policy. |
| Risk Services | AIG describes marine risk consulting, risk engineering and claims resources, including route or equipment-risk review where applicable. Its Claims Promise applies only after coverage confirmation and to specified agreed-loss circumstances. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Risklytics says this line “needs the right insurers” and is placeable once every equipment unit is listed with a real value. 7Company-reported. Lines page. |
| How to Apply | Confirm in your quote. | You start Risklytics Equipment (Inland Marine) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 8,4Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
Full Comparison
More AIG vs Risklytics Comparisons
Other Inland Marine 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.
- Inland Marine Insurance. AIG; Official AIG Inland Marine page, lines 242–286: transportation/logistics and construction/equipment segments, example classes, advertised capacity, loss-control and claims support, and policy caveat. Accessed 2026-09-30.
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Equipment (Inland Marine) Insurance. Risklytics; Coverage line: Equipment (Inland Marine); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
