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 Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 4,5,6
What Are Fidelity Bonds?
Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. 9,10,11
Key Differences in Fidelity Bonds
ERISA Plan Coverage and FI Bond Scenarios
Travelers describes ERISA fidelity coverage for benefit-plan losses caused by fraud or dishonesty, such as theft, embezzlement, or forgery by people who handle plan funds. AIG markets Financial Institution Bonds and names employee dishonesty, theft on premises, forgery, computer fraud, and impersonation fraud. Plan sponsors should ask Travelers how the bond meets the plan’s required amount; a bank or asset manager should ask AIG which FI form fits its own broader exposures. 8 3
Application and Amount
Travelers sells ERISA fidelity through independent agents and does not publish buyer-specific amounts or terms on the reviewed pages. AIG provides separate FI bond applications but likewise gives no standard amount or deductible. The products serve different stated audiences, so confirm the bond purpose, issuer, covered plan handlers or financial-institution employees, and amount required by the obligee before comparing prices. 8 3
What to Confirm in Fidelity Bonds Quotes
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 reviewsTravelers
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsOffering Details
AIG vs Travelers: Fidelity Bonds: documented features by provider
| Criteria | AIG Financial Institution Fidelity Bonds | Travelers ERISA Fidelity Insurance |
|---|---|---|
| Role in This Line | AIG markets Financial Institution Bonds separately from commercial-entity Crime Insurance. This draft covers the named bond family only and does not treat the crime policy as a fidelity bond. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Travelers lists ERISA fidelity as one of its Management & Professional Liability products, and separately lists ERISA Fidelity among the bond types it provides on its surety bond page. 7,8Company-reported. Management & Professional Liability product list and Surety Bonds product list. |
| Who It’s For | AIG names banks, non-bank lenders, asset managers and insurance companies as financial-institution bond audiences. The page does not establish eligibility for a specific entity or jurisdiction. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Travelers offers ERISA fidelity coverage as part of a product suite that also covers private companies, public companies, nonprofit organizations and financial institutions, but the reviewed pages do not name specific eligible business sizes or industries for the ERISA fidelity product itself. 7Not publicly disclosed. Management & Professional Liability Insurance page general eligibility statement. |
| Coverage Features | AIG lists employee dishonesty, theft on premises, forgery, computer-systems fraud and impersonation fraud among financial-institution bond coverage examples. These examples are subject to the actual bond form and do not define all terms. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Travelers describes ERISA fidelity insurance as covering an employee benefit plan against losses caused by acts of fraud or dishonesty, such as theft, embezzlement or forgery, by the people who handle plan funds. 7Company-reported. Management & Professional Liability Insurance page, ERISA fidelity insurance entry; exact terms and required minimum bond amounts are set by ERISA and the issued bond. |
| Limits and Retentions | The reviewed pages do not state a standard bond amount or buyer-specific deductible. Confirm the bond form, amount and conditions with AIG for the particular institution. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Neither reviewed page publishes bond amounts, premiums or terms for ERISA fidelity coverage; federal ERISA rules set minimum bonding requirements, but Travelers' specific offer would appear on a quote. 7,8Not found in reviewed sources. Management & Professional Liability and Surety Bonds pages as read on 2026-09-23. |
| Risk Services | AIG describes dedicated underwriting and claims teams for its crime and fidelity offerings. The application directory includes distinct fidelity applications by financial-institution type; this is an application path, not a bound bond. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | ERISA fidelity coverage is bought through a Travelers independent agent. 8Company-reported. Surety Bonds page "Find an insurance agent" call to action. |
Full Comparison
More AIG vs Travelers Comparisons
Other Fidelity Bonds 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.
- Crime and Fidelity Insurance. AIG; Official AIG page, lines 257–275 and 353–354: separate Financial Institution Bonds section, named financial-institution audience and example covered losses; policy/state availability caveat. AIG’s Financial Lines Applications directory separately lists institution-specific fidelity applications. Accessed 2026-09-30.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Management and Professional Liability Insurance. Travelers; "Select a product" list: ERISA fidelity insurance — "helps cover an employee benefit plan against losses caused by acts of fraud or dishonesty such as theft, embezzlement or forgery". Accessed 2026-09-23.
- Surety Bonds. Travelers; "Surety bonds provided by Travelers" list, including ERISA Fidelity. Accessed 2026-09-23.
Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
- Crime Terms and Conditions. Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. Accessed 2026-09-16.
