---
title: "AIG vs Simply Business: Workers’ Compensation Insurance"
description: "AIG describes retained-risk programs; Simply Business publishes a workers’ compensation quote route with panel approval and state-dependent availability."
canonical: "https://spot.insure/compare/aig-vs-simply-business/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-simply-business"
provider-a: "aig"
provider-b: "simply-business"
coverage-line: "workers-compensation"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-simply-business/workers-compensation)

## Agent Guide

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

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: AIG and Simply Business.
- 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 Simply Business](https://spot.insure/compare/aig-vs-simply-business) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence)
- [AIG vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aig-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Inland Marine Insurance](https://spot.insure/compare/aig-vs-simply-business/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-alliance-risk/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-amelia-risk/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-aon/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-baldwin/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs biBerk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-biberk/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-chubb/workers-compensation) — sibling comparison (other line, or other pair for this line)

# AIG vs Simply Business: How Do They Compare for Workers’ Compensation Insurance?

AIG describes retained-risk programs; Simply Business publishes a workers’ compensation quote route with panel approval and state-dependent availability.

## Research Scope and Use

Use this comparison to evaluate AIG and Simply Business for Workers’ Compensation 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

Simply Business describes medical, rehabilitation, wage, and death benefits while noting state and policy terms govern; its quote route depends on insurer and panel approval. AIG describes customized risk structures for organizations retaining losses. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") [7](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business")

## 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)

## Simply Business: Online Small-Business Insurance Marketplace

Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [5](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [8](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [9](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [10](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [11](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## Key Differences in Workers’ Compensation Insurance

### Retained-risk structure and quote approval

AIG describes customized programs using deductibles, self-insured retentions, captives, or retrospective plans. Simply Business publishes a quote route but says availability depends on state, insurer, and business details and binding requires panel-member approval. Ask which panel carriers can quote your state and whether AIG’s structures fit your account. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") [7](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business")

### Benefits and buyer eligibility

Simply Business says workers’ compensation may cover medical, rehabilitation, wage-replacement, and death benefits, with state law and policy terms affecting benefits; it notes a one-person LLC may not need coverage in many states. AIG lists corporate casualty and motorsports program scope. Ask for state-specific requirements and policy forms from either route. [4](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance | AIG US") [7](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Simply Business which panel insurer, state rules, and binding approval apply; ask AIG for eligible classes and the proposed state-specific benefit schedule. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") [7](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business")

## Offering Details

| Criteria | AIG Workers’ Compensation Insurance | Workers’ compensation insurance through Simply Business |
| --- | --- | --- |
| Who It’s For | AIG Risk Management describes customized workers’ compensation program structures for sophisticated organizations that retain portions of their risk through deductibles, self-insured retentions, captives or retrospective programs. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") (Evidence: Company-reported; scope: AIG Risk Management structures for sophisticated organizations that retain some risk. Claim limitation: The source does not connect the separate general casualty risk-consulting/loss-control section to these workers’ compensation structures; it does not establish universal small-business availability, a specific issuing entity or state availability. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | The page explains that requirements vary by state and that a one-person LLC without employees may not be required to carry the coverage in many states. This is general education, not a jurisdiction-specific legal determination. [7](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") (Evidence: Company-reported; scope: Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| Coverage Features | AIG includes workers’ compensation in corporate casualty solutions for organizations across sectors and sizes. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") (Evidence: Company-reported; scope: AIG corporate casualty segment. Claim limitation: Does not identify specific issuing entity or all states. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..)<br><br>AIG lists workers compensation among the coverages in its nationwide Motorsports Program for motorsports owners, tracks and teams. [4](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance | AIG US") (Evidence: Company-reported; scope: AIG Programs MotorSports Program. Claim limitation: This is a single niche program; it does not establish availability to other employers. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | The company’s page describes workers’ compensation as potentially covering medical, rehabilitation, wage-replacement and death benefits for employees injured or made ill at work; state law and policy terms affect benefits. [7](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") (Evidence: Company-reported; scope: Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| How to Apply | Confirm in your quote. | The company publishes a workers’ compensation quote route. Its Terms say quote availability may vary by state, insurer and business details and binding requires panel-member approval. [7](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |

## Full Comparison

- [AIG vs Simply Business](https://spot.insure/compare/aig-vs-simply-business): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [AIG vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aig-vs-simply-business/commercial-property)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber)
- [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability)
- [AIG vs Simply Business Inland Marine Insurance](https://spot.insure/compare/aig-vs-simply-business/inland-marine)
- [AIG vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-simply-business/professional-errors-omissions)
- [AIG vs Alliance Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-alliance-risk/workers-compensation)
- [AIG vs Amelia Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-amelia-risk/workers-compensation)
- [AIG vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-aon/workers-compensation)
- [AIG vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-baldwin/workers-compensation)
- [AIG vs biBerk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-biberk/workers-compensation)
- [AIG vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-chubb/workers-compensation)

## 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. [Casualty Insurance - Business Casualty Risk Solutions | AIG US](https://www.aig.com/home/risk-solutions/business/casualty). AIG US; Corporate Accounts; Truck Insurance; AIG Risk Management; AIG Risk Management program structures, lines 293–297. Accessed 2026-09-28.
4. [AIG Programs Insurance | AIG US](https://www.aig.com/home/risk-solutions/business/aig-programs). AIG US; MotorSports Program, coverage specifics and location (lines 526–543). Accessed 2026-09-28.

### Simply Business

5. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29.
6. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29.
7. [Workers’ Compensation Insurance for Small Business](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/). Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189.. Accessed 2026-09-29.

### Workers’ Compensation Insurance Guide

8. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
9. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
10. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
11. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. 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).

## Simply Business Reviews

Review Score: 5.7 / 10 from 4 rated sources, equally weighted.

Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.

- Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com)
- ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html)
- BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)
- BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-simply-business/workers-compensation.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)