---
title: "What Is AIG?"
description: "AIG is the brand for American International Group, Inc.’s worldwide operations; its affiliates market a broad U.S. commercial insurance catalogue through distinct products, programs and insurer entities."
canonical: "https://spot.insure/insurance-providers/aig"
page-type: "provider-profile"
updated-at: "2026-09-29"
---

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[Human-readable page](https://spot.insure/insurance-providers/aig)

# What Is AIG?

AIG is the brand for American International Group, Inc.’s worldwide operations; its affiliates market a broad U.S. commercial insurance catalogue through distinct products, programs and insurer entities.

## Before You Quote

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

## Company Details

- **Company:** AIG
- **Official website:** [aig.com](https://www.aig.com/)

### Coverage Offered

- [Builders risk](https://spot.insure/coverage/builders-risk): AIG Builders Risk 
- [Cargo and transit](https://spot.insure/coverage/cargo-transit): AIG Ocean Cargo 
- [Commercial auto](https://spot.insure/coverage/commercial-auto): AIG Truck Insurance Group commercial auto (scoped to for-hire trucking) 
- [Commercial property](https://spot.insure/coverage/commercial-property): AIG Commercial Property / Retail Property 
- [Crime](https://spot.insure/coverage/crime): AIG Crime Insurance / CrimeGuard Choice 
- [Cyber liability](https://spot.insure/coverage/cyber): AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct) 
- [Directors and officers](https://spot.insure/coverage/directors-officers): AIG Directors & Officers Liability 
- [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits): AIG Medical Indemnity supplemental group health benefit 
- [Employment practices liability](https://spot.insure/coverage/employment-practices): AIG Employment Practices Liability Insurance 
- [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown): AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only. 
- [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds): AIG Crime and Fidelity product page; line membership is based on the named fidelity/bond product family, not a specific bond form. 
- [Fiduciary liability](https://spot.insure/coverage/fiduciary): AIG Fiduciary Liability Insurance / Fiduciary Edge 
- [General liability](https://spot.insure/coverage/general-liability): AIG Programs general liability (three separate program scopes) 
- [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto): AIG Manufactured Housing Program lists hired and non-owned auto for that program; this does not establish a standalone broad HNOA product. 
- [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom): AIG CrisiSolution K&R and extortion 
- [Liquor liability](https://spot.insure/coverage/liquor-liability): AIG Programs lists liquor liability among coverages it may develop in client-specific programs; no general standalone product or universal program availability implied. 
- [Management liability](https://spot.insure/coverage/management-liability): 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. 
- [Media liability](https://spot.insure/coverage/media): AIG Media Content and Publishers & Broadcasters liability (distinct descriptions) 
- [Product liability](https://spot.insure/coverage/product-liability): AIG Aviation Product Liability 
- [Product recall](https://spot.insure/coverage/product-recall): 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")
- [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions): AIG entity-based Professional Liability / Specialty Professional E&O 
- [Representations and warranties](https://spot.insure/coverage/representations-warranties): AIG Representations & Warranties Insurance 
- [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions): 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. 
- [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine): AIG Inland Marine (Transportation & Logistics; Construction & Equipment) 
- [Trucking](https://spot.insure/coverage/trucking): AIG Truck Insurance Group 
- [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess): AIG Excess Casualty (lead umbrella and mid/high excess) 
- [Workers’ compensation](https://spot.insure/coverage/workers-compensation): AIG Workers’ Compensation options by distinct channel 



## Reliability Assessment

Role: Insurance carrier.

Spot Score: **No Spot Score**.

Read the [full reliability assessment](https://spot.insure/insurance-providers/aig/reliability).

## AIG Reviews

Review Score: not enough ratings.

NerdWallet reports more commercial liability and property claims complaints than expected for AIG’s size. Broader customer ratings mix products and countries, so they do not show how AIG serves U.S. business-insurance customers.

- 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).

## 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.

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](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/legal-notice "Additional Legal Notices")

## 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. [3](https://www.aig.com/home/risk-solutions/business "Business") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.)

## 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. [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.)

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](https://www.aig.com/login "AIG Login")

## 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](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance")

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](https://www.aig.com/home/risk-solutions/business/casualty/truck-insurance-group "Truck Insurance Group")

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](https://www.aig.com/us/CyberEdge "Cyber Insurance - CyberEdge Cyber Liability Insurance") [11](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability "Employment Practices Liability Insurance")

AIG Medical Indemnity is supplemental group health cover, not a replacement for major medical. [13](https://www.aig.com/home/risk-solutions/business/accident-and-health/aig-medical-indemnity-insurance "AIG Medical Indemnity Insurance")
The product-liability evidence here is Aviation Product Liability; it does not establish general product-liability appetite for unrelated goods. [14](https://www.aig.com/business/industry/aerospace.secure "AIG Aerospace & Aviation")
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](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance")
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](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance")
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](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")
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](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [2](https://www.aig.com/legal-notice "Additional Legal Notices")

## 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. [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.)

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. [5](https://www.aig.com/business/business-claims/intellirisk-services "IntelliRisk") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.)

## 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. [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.)

## 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](https://www.aig.com/legal-notice "Additional Legal Notices")
- Request the policy form and endorsements. A product-page description does not establish coverage, limits, exclusions or a specific insurer. [3](https://www.aig.com/home/risk-solutions/business "Business")
- 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](https://www.aig.com/login "AIG Login")
- 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](https://www.aig.com/business/business-claims/intellirisk-services "IntelliRisk")
- 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](https://www.aig.com/home/risk-solutions/business/l/producer-compensation "Producer Compensation")

## 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 Armilla](https://spot.insure/compare/aig-vs-armilla)
- [AIG vs At-Bay](https://spot.insure/compare/aig-vs-at-bay)
- [AIG vs Beazley](https://spot.insure/compare/aig-vs-beazley)
- [AIG vs CFC](https://spot.insure/compare/aig-vs-cfc)

## 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.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. This profile applies the same sourcing standard used for every provider. [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/insurance-providers/aig.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)