---
title: "AIG vs USI Insurance Services"
description: "Compare AIG’s insurer group with USI’s middle-market brokerage and consultative risk process."
canonical: "https://spot.insure/compare/aig-vs-usi"
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-usi)

# AIG vs USI Insurance Services

Compare AIG’s insurer group with USI’s middle-market brokerage and consultative risk process.

## Before You Quote

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

## Highlights

USI describes a brokerage and consulting firm that arranges insurance and uses its USI ONE process with specialist teams; AIG’s subsidiaries and affiliates issue insurance policies. A growing technology company can use this pairing to distinguish market placement from brokerage advice and coordination across risk and benefits. [1](https://www.aig.com/investor-relations "Investor Relations") [4](https://www.aig.com/login "AIG Login") [17](https://www.usi.com/about-usi "The Power of ONE") [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## 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).

### USI Insurance Services

Role: Broker.

Broker Spot Score: **5.3/10** (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/usi/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).

## USI Insurance Services Reviews

Review Score: 6.4 / 10 from 1 rated source, equally weighted.

USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.

- BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews).





## Coverage Comparison

| Coverage Type | AIG | USI Insurance Services |
| --- | --- | --- |
| [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  | Listed: USI arranges cargo and transit insurance. [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: AIG Truck Insurance Group commercial auto (scoped to for-hire trucking)  | Listed: USI arranges commercial auto insurance. [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: AIG Commercial Property / Retail Property  | Listed: USI arranges commercial property insurance. [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| [Crime](https://spot.insure/coverage/crime) | Listed: AIG Crime Insurance / CrimeGuard Choice  | Listed: USI arranges crime insurance. [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)  | Listed: USI arranges cyber insurance. [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [30](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: AIG Directors & Officers Liability  | Listed: USI arranges directors and officers liability insurance. [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: AIG Medical Indemnity supplemental group health benefit  | Listed: USI advises employers on health-plan design, medical costs, pharmacy and benefits administration. [29](https://www.usi.com/employee-benefits "Employee Benefits") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: AIG Employment Practices Liability Insurance  | Listed: USI arranges employment practices liability insurance. [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [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: USI arranges fiduciary liability insurance. [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: AIG Programs general liability (three separate program scopes)  | Listed: USI arranges general liability insurance. [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [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  | Listed: USI arranges kidnap and ransom insurance. [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [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.  | Listed: USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance. [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Media liability](https://spot.insure/coverage/media) | Listed: AIG Media Content and Publishers & Broadcasters liability (distinct descriptions)  | Not listed |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Not listed | Listed: USI arranges medical malpractice insurance. [28](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: AIG Aviation Product Liability  | Listed: USI arranges product liability insurance. [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| [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: USI arranges professional errors and omissions insurance. [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: AIG Representations & Warranties Insurance  | Listed: USI arranges representations and warranties insurance. [27](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: USI arranges contract, commercial and international surety bonds.  |
| [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: USI arranges technology errors and omissions insurance. [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: AIG Inland Marine (Transportation & Logistics; Construction & Equipment)  | Not listed |
| [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: USI arranges umbrella and excess liability. [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: AIG Workers’ Compensation options by distinct channel  | Listed: USI arranges workers’ compensation insurance. [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [26](https://www.usi.com/property-casualty/business-services/ "Business Services") |

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

USI describes serving middle-market organizations and technology companies from seed stage through IPO. AIG’s Surplus Lines overview references small, middle-market and large enterprise solutions but leaves product-specific appetite and issuer open. Ask which USI specialist will handle the account and whether AIG is one of the insurers approached. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/legal-notice "Additional Legal Notices") [17](https://www.usi.com/about-usi "The Power of ONE") [16](https://www.usi.com/ "Insurance Brokerage and Consulting") [23](https://www.usi.com/commissions-fees/ "Commissions and Fees") [36](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") [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.usi.com/about-usi "The Power of ONE") [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [36](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform")

USI directs technology and property-and-casualty inquiries to email or a local office rather than a self-serve quote flow; AIG’s public application tools are broker-facing. Use a secure channel for sensitive underwriting information and confirm which entity will submit it to each market. [4](https://www.aig.com/login "AIG Login") [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [20](https://www.usi.com/contact-us/ "Contact Us") [32](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

USI describes USI ONE as an advisory process combining analytics and specialists; AIG lists broker access to policy documents and loss runs. Compare the specific analytics and account-service commitments offered under the engagement with the insurer’s policy service after binding. [4](https://www.aig.com/login "AIG Login") [5](https://www.aig.com/business/business-claims/intellirisk-services "IntelliRisk") [18](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting")

AIG’s disclosure describes commissions and possible contingent payments to brokers and agents; USI Insurance Services’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") [23](https://www.usi.com/commissions-fees/ "Commissions and Fees")

## What to Confirm in Quotes

- Which USI brokerage entity will serve as producer, and which AIG subsidiary or other insurer will 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.usi.com/about-usi "The Power of ONE") [16](https://www.usi.com/ "Insurance Brokerage and Consulting") [23](https://www.usi.com/commissions-fees/ "Commissions and Fees") [36](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform")
- Ask which markets USI will approach and how it will document coverage and service differences among proposals. [4](https://www.aig.com/login "AIG Login") [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [20](https://www.usi.com/contact-us/ "Contact Us") [32](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")
- Request USI’s account-specific insurer and intermediary compensation disclosure alongside AIG’s producer-compensation scope; do not compare commission with premium as the same cost. [4](https://www.aig.com/login "AIG Login") [5](https://www.aig.com/business/business-claims/intellirisk-services "IntelliRisk") [18](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [6](https://www.aig.com/home/risk-solutions/business/l/producer-compensation "Producer Compensation") [23](https://www.usi.com/commissions-fees/ "Commissions and Fees")

## Compare Services

What each provider documents about the services you may need.

| Criteria | AIG | USI Insurance Services |
| --- | --- | --- |
| 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.) | USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. [17](https://www.usi.com/about-usi "The Power of ONE") [16](https://www.usi.com/ "Insurance Brokerage and Consulting") [23](https://www.usi.com/commissions-fees/ "Commissions and Fees") [36](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.; verified: 2026-09-16.)<br><br>USI’s commissions page states that, as a licensed insurance producer, it may advise on insurance contracts, sell insurance, and obtain coverages for clients. Privacy and staff materials identify the operating company as USI Insurance Services LLC. Current California producer-license status remains independently unverified. [23](https://www.usi.com/commissions-fees/ "Commissions and Fees") [22](https://www.usi.com/privacy/ "Privacy") [37](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") (Evidence: Company-reported; scope: Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.; verified: 2026-09-16.)<br><br>On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. [36](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; 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.) | USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [20](https://www.usi.com/contact-us/ "Contact Us") [32](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Public inquiry paths as of access date. Not an application completeness or speed claim.; 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.) | USI describes USI ONE as a proprietary consultative process that combines Omni analytics, a national network of specialists, and an enterprise planning process. Technology and P&C pages say clients receive tailored recommendations aimed at total cost of risk. Those are company descriptions of advisory method, not independently verified service outcomes. [18](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [25](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [24](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Company-described brokerage and consulting process. Savings or outcome figures in case studies are not adopted as independent findings.; verified: 2026-09-16.)<br><br>USI PATH is described as a proprietary risk-control platform that presents industry loss drivers, improvement areas by coverage line, and curated vendor solutions with preferred pricing and ROI projections. The homepage also markets PATH as guiding clients through risk control from identifying sources of loss to targeting solutions. Performance, ROI, and premium-reduction claims on those pages are company-reported. [33](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/ "Reduce Claims and Costs by Optimizing Your Risk Control") [16](https://www.usi.com/ "Insurance Brokerage and Consulting") (Evidence: Company-reported; scope: Risk-control tool as marketed. Access for a given client is not specified on the public pages.; 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.) | Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. [23](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) |

## Related Reading

- [What Is AIG?](https://spot.insure/insurance-providers/aig)
- [What Is USI Insurance Services?](https://spot.insure/insurance-providers/usi)

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

## 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.

### [USI Insurance Services Official Website](https://www.usi.com)

16. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16.
17. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
18. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16.
19. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16.
20. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16.
21. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16.
22. [Privacy](https://www.usi.com/privacy/). USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16.
23. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
24. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16.
25. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
26. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16.
27. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16.
28. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16.
29. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16.
30. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description. Accessed 2026-09-16.
31. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/). USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16.
32. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16.
33. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16.
34. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16.
35. [Natural Disaster Planning](https://www.usi.com/natural-disaster-planning). USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16.
36. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16.
37. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. 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-usi.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)