What Is AIG?

AIG is the marketing name for American International Group, Inc.’s worldwide operations. AIG says its products and services are written or provided by its subsidiaries or affiliates, and its notice lists U.S.-domiciled property-and-casualty insurers without assigning one to a particular policy. ^1 2

Commercial Customer Focus

AIG’s Surplus Lines section says its commercial insurance solutions serve small, middle-market, and large enterprises. The same section separately describes Lexington Casualty as an experienced excess-and-surplus-lines casualty provider; it does not explicitly assign all three customer-size segments to Lexington Casualty. ³Company-reported. AIG’s published Surplus Lines section; customer-size statement and Lexington Casualty description are adjacent but not explicitly attributed to the same business. This does not establish a provider-wide customer focus or product-specific issuer.

How It Works

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. ⁴Company-reported. 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.

AIG’s North America broker portal offers loss runs, policy documents, applications and tools, while its public pages do not establish a direct purchase or binding route for every product. Confirm who will submit the application and which insurer will issue the policy for your quote. ⁴

Coverage and Availability

AIG Programs markets both admitted and non-admitted program solutions and says programs may use package or monoline structures. Its published catalogue spans named programs and classes, including a Management Liability program for private and nonprofit organizations with revenue up to $50 million; that program lists directors and officers, employment practices and fiduciary liability. AIG also lists hired and non-owned auto within its Manufactured Housing Program, which does not establish a broad standalone HNOA offer. ⁷

Some product conditions are specific to a named line. AIG Truck Insurance Group describes admitted auto liability, physical damage and general liability for small-to-mid-size for-hire trucking operations with vehicles of 26,000 pounds or more; it lists predominant Class A or B CDL drivers, 11–250 power units and four years of operating experience as program criteria, and directs applicants to select brokers. Those criteria should not be applied to unrelated AIG auto programs. ⁹

CyberEdge has distinct forms: AIG describes base CyberEdge, CyberEdge Plus and CyberEdge PC separately, and says CyberEdge may be standalone or attached to selected Financial Lines, Property or Casualty policies. The EPL page says third-party discrimination and harassment coverage is built into its described form and that EPL is available on a combined basis with the private-company D&O form. Confirm which version, combination and wording applies to your quote. ^8 11

AIG Medical Indemnity is supplemental group health cover, not a replacement for major medical. ¹³ The product-liability evidence here is Aviation Product Liability; it does not establish general product-liability appetite for unrelated goods. ¹⁴ Equipment breakdown appears in named program schedules, while liquor liability is described as a coverage AIG Programs may develop for client-specific programs. Neither description establishes universal inclusion or a broad standalone offer. ⁷ AIG’s crime page separately describes financial-institution bonds for financial institutions; that named product family does not establish every fidelity or bond form for every buyer. ¹⁵ AIG Multinational and Talbot also market multinational Product Recall Insurance for component-part manufacturers, consumer goods/topical and consumer health, and finished-goods segments. The flyer does not resolve the policy issuer, account-specific terms or jurisdiction-specific availability, and it does not establish an unrestricted U.S. standalone product. ¹² Product pages describe marketed offerings, not every applicant’s eligibility, an issuing insurer, or policy terms. Availability depends on the specific program, underwriting, jurisdiction and issued wording. Ask for the full legal insurer and the specimen form and endorsements for your quote. ^7 2

Service and Claims

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. ⁴Company-reported. Public description of a North America broker/agent portal; authenticated functions and account-specific availability were not reviewed.

AIG says insureds and brokers can report primary property or casualty claims online for Auto Liability, General Liability, Property, and Aerospace, attach documents, and track adjuster assignment and claim closure. AIG says options vary by line and country. ⁵Company-reported. AIG's stated IntelliRisk claim portal functions for named primary property/casualty lines. This does not describe every commercial line, claim outcome, or policy obligation.

Fees and Producer 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. ⁶Company-reported. 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.

What to Confirm in a Quote

• Ask for the full legal name of the insurer, the licensed producer and the insurer information that applies to the actual quote. AIG’s list does not assign an issuer to a product or policy. ²
• Request the policy form and endorsements. A product-page description does not establish coverage, limits, exclusions or a specific insurer. ³
• Ask who handles renewals and when renewal terms will be available; the reviewed public portal page describes document and application tools but no renewal timing. ⁴
• For a claim, follow the selected policy’s notice requirements and confirm which reporting channel applies. AIG publishes routes for named primary lines and says IntelliRisk options vary by line and country. ⁵
• Ask the placing producer for fees and compensation tied to the actual quote. AIG’s public disclosure describes specified 2024 U.S. broker and independent-agent business, not an individual buyer’s payment. ⁶