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
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 4,5
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. 7,8,9
Key Differences in Fidelity Bonds
Financial Institution Bonds and ERISA Plans
AIG's named bond family is aimed at financial institutions: its listed audiences include banks, non-bank lenders, asset managers and insurance companies. Zurich's two ERISA options instead distinguish one straightforward, non-union plan from multiple or complex plans. A business comparing these records should first identify whether it is bonding a financial institution or an employee benefit plan; the product labels do not answer that eligibility question. 3 6
Plan Structure and Bond Limits
Zurich publishes an Express fraud and dishonesty ceiling of $1 million and says Select supports higher limits and optional coverages. AIG's reviewed material lists employee dishonesty, forgery, computer-systems fraud and impersonation fraud but publishes no standard bond amount. Buyers therefore need to compare the requested amount and covered acts in the actual forms, rather than infer that AIG's broader examples establish a higher limit. 3 6
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 reviewsZurich U.S.
Review Score
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
AIG vs Zurich U.S.: Fidelity Bonds: documented features by provider
| Criteria | AIG Financial Institution Fidelity Bonds | Zurich ERISA Fidelity Bond |
|---|---|---|
| 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. | Confirm in your quote. |
| 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. | Zurich offers Express ERISA bonds for a single non-union plan with straightforward needs (fraud/dishonesty limits up to $1 million) and Select for multiple or complex plans with higher limits and optional coverages. 6Company-reported. Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Available for approved states; quoted limit and specific coverages depend on qualification. |
| 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. | Zurich says its ERISA fidelity bond covers direct loss of money, securities or property caused by employee fraud or dishonest acts, and may include designated agents/independent contractors in its employee definition. 6Company-reported. Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Subject to definitions in 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. | The Express option offers fraud/dishonesty limits up to $1 million; Zurich says Select provides higher limits and added coverage flexibility for complex or multiple plans. 6Company-reported. Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. No numerical Select maximum appears in the opened page. |
| 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. |
Full Comparison
More AIG vs Zurich U.S. 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.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.
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.
