---
title: "AIG vs StartupInsurance.ai"
description: "Compare AIG’s insurer group with StartupInsurance.ai’s startup intake and ContractorNerd brokerage route."
canonical: "https://spot.insure/compare/aig-vs-startupinsurance"
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-startupinsurance)

# AIG vs StartupInsurance.ai

Compare AIG’s insurer group with StartupInsurance.ai’s startup intake and ContractorNerd brokerage route.

## Before You Quote

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

## Highlights

StartupInsurance.ai is a marketing route for startups, while ContractorNerd Insurance Services acts as the agent or broker; AIG products are written by subsidiaries or affiliates. Founders should compare the producer-led startup intake with an AIG submission while identifying the legal insurer behind each proposal. [1](https://www.aig.com/investor-relations "Investor Relations") [4](https://www.aig.com/login "AIG Login") [17](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [18](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

## 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).

### StartupInsurance.ai

Role: Broker.

Broker Spot Score: **4.9/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); 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/startupinsurance/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).

## StartupInsurance.ai Reviews

Review Score: not enough ratings.

StartupInsurance.ai 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/startupinsurance/reviews).





## Coverage Comparison

| Coverage Type | AIG | StartupInsurance.ai |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: AIG Builders Risk  | Listed: StartupInsurance.ai arranges builders risk insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [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)  | Listed: StartupInsurance.ai arranges commercial auto insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: AIG Commercial Property / Retail Property  | Listed: StartupInsurance.ai arranges commercial property insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [Crime](https://spot.insure/coverage/crime) | Listed: AIG Crime Insurance / CrimeGuard Choice  | Listed: StartupInsurance.ai arranges commercial crime insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)  | Listed: StartupInsurance.ai arranges cyber insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: AIG Directors & Officers Liability  | Listed: StartupInsurance.ai arranges directors and officers liability insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [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  | Listed: StartupInsurance.ai arranges employment practices liability insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [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  | Listed: StartupInsurance.ai arranges fiduciary liability insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: AIG Programs general liability (three separate program scopes)  | Listed: StartupInsurance.ai arranges general liability insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [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 |
| [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  | Listed: StartupInsurance.ai arranges product liability insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [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  | Listed: StartupInsurance.ai arranges professional errors and omissions insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: AIG Representations & Warranties Insurance  | Not listed |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: StartupInsurance.ai arranges surety bonds for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [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: StartupInsurance.ai arranges technology errors and omissions insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: AIG Inland Marine (Transportation & Logistics; Construction & Equipment)  | Listed: StartupInsurance.ai arranges inland marine insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [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: StartupInsurance.ai arranges umbrella and excess liability insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: AIG Workers’ Compensation options by distinct channel  | Listed: StartupInsurance.ai arranges workers’ compensation insurance for startups. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |

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

StartupInsurance.ai markets to startups and AI-native companies, including hardware, robotics, energy and defense technology businesses. AIG’s Surplus Lines description spans several business sizes but does not establish eligibility for a specific product. This exact pairing is useful when a startup’s investor or customer requirements call for a specialist conversation about its operations and requested lines. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/legal-notice "Additional Legal Notices") [17](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [20](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [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") [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

StartupInsurance.ai’s intake displays coverage choices and later sections for company details, finances, employees, claims, existing insurance and signature; AIG lists broker applications in myAIG. Ask who reviews the application, which markets receive it and what happens before any quote is bound. [4](https://www.aig.com/login "AIG Login") [18](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

StartupInsurance.ai offers a policy and contract review with a stated 48-hour target that has not been independently tested; AIG lists broker access to applications, documents and loss runs. Treat the review as a separate service description, and confirm its scope and the ongoing policy service contact. [4](https://www.aig.com/login "AIG Login") [5](https://www.aig.com/business/business-claims/intellirisk-services "IntelliRisk") [17](https://www.startupinsurance.ai/company/ "Company | Startup Insurance")

AIG’s disclosure describes commissions and possible contingent payments to brokers and agents; StartupInsurance.ai’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") [21](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure")

## What to Confirm in Quotes

- Confirm that ContractorNerd Insurance Services is the producer and identify the insurer named on every proposed policy, including any AIG subsidiary. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/legal-notice "Additional Legal Notices") [17](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [20](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")
- Ask whether the application’s selected lines are available for the company’s industry, state and operations, then review the applicable forms and exclusions. [4](https://www.aig.com/login "AIG Login") [18](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")
- Request the producer’s commissions, platform or handling fees and any separate review fee before binding. [4](https://www.aig.com/login "AIG Login") [5](https://www.aig.com/business/business-claims/intellirisk-services "IntelliRisk") [17](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [6](https://www.aig.com/home/risk-solutions/business/l/producer-compensation "Producer Compensation") [21](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure")

## Compare Services

What each provider documents about the services you may need.

| Criteria | AIG | StartupInsurance.ai |
| --- | --- | --- |
| 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.) | StartupInsurance.ai is a route for startups to request coverage, while ContractorNerd Insurance Services, LLC acts as the agent or broker and does not underwrite the policies. The brand identifies itself as ContractorNerd’s marketing name. [17](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [20](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)<br><br>ContractorNerd’s licensing page assigns quotes, binding and insurance transactions to ContractorNerd Insurance Services, LLC, with servicing supported by its licensed agents and partners. Its terms allow submissions through insurers and intermediaries. Confirm the producer-of-record arrangement for your StartupInsurance.ai placement. [19](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [20](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; 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.) | The online intake starts with coverage choices and shows subsequent sections for company details, financials, employees, claims, existing insurance and signature. Its initial choices are D&O, cyber, technology E&O, employment practices, fiduciary, crime and general liability. Only the public starting screen was inspected; quote delivery and binding were not tested. [18](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; 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.) | The company offers a free review of existing policies and a customer contract, promising a written assessment of AI exclusions and contract gaps within 48 hours. That timing and the review’s completeness have not been independently tested. [17](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)<br><br>The company advertises self-service certificates, centralized policy documents and renewal tracking. These operating services were not tested in an authenticated account. [16](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; 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.) | ContractorNerd discloses possible insurer/intermediary commissions, buyer-paid fees and contingent compensation. Fees can include platform, technology, policy-handling or consulting charges; not every charge applies to every policy. It says applicable fees are disclosed before binding or agreed before charging. A technology access fee, if charged, is generally non-refundable under its stated terms. Request the agreement and amounts applicable to your StartupInsurance.ai quote; the free review is not a promise of fee-free placement. [21](https://www.contractornerd.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Disclosure of the identified operating agency; no StartupInsurance.ai-specific signed fee agreement or amount reviewed. Disclosure says signed agreements control.; verified: 2026-09-16.) |

## Related Reading

- [What Is AIG?](https://spot.insure/insurance-providers/aig)
- [What Is StartupInsurance.ai?](https://spot.insure/insurance-providers/startupinsurance)

## Related Comparisons

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

## 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.

### [StartupInsurance.ai Official Website](https://www.startupinsurance.ai/)

16. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Hero; Coverage: What we place and The startup program; AI coverage that names AI; Physical risk, because AI outgrew software; The paperwork runs itself; carrier panel; Straight talk; footer agency and issuer disclosure. Accessed 2026-09-16.
17. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
18. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Initial coverage selection and seven-step navigation. Accessed 2026-09-16.
19. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information; licensing status table, California row. Accessed 2026-09-16.
20. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Sections 1, 2 and 2.A: agency role, submissions, servicing and compensation. Accessed 2026-09-16.
21. [Compensation Disclosure](https://www.contractornerd.com/compensation-disclosure/). ContractorNerd; Sections 2–9: transaction roles, commissions, buyer fees, contingent compensation and information requests. 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.

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