What is AIG Programs?

AIG Programs is a leading underwriter of program business in the U.S. with programs addressing a myriad of niche markets written on both admitted and non-admitted basis supported by Program Administrators with market leading infrastructure and underwriting expertise. 

Target Opportunities

  • Developing true partnerships with MGAs/Program Administrators that align financial interests and risk appetites to achieve long term and sustainable underwriting profit.
  • Program Administrators with a proven track record, having operated in the programs space for a minimum of five years.
  • Homogeneous portfolios.
  • Managed program portfolio premium of $10M with the ability to grow.
  • Unique distribution channel and/or value proposition.

The AIG Advantage

Expertise and Experience

  • For over 50 years, AIG Programs has been a market leader in providing innovative customer focused solutions spanning all 50 U.S. states.
  • Our experienced, knowledgeable and responsive staff are focused on delivering smart program solutions to meet the ever-increasing risks facing small  to mid-size businesses. 

Creativity and Collaboration

  • We are dedicated to providing consistent delivery of products and services to help our Program Administrator partners create client loyalty and attract new market opportunities.
  • Dedicated claims and risk management staff are focused on identifying trends and developing strategic solutions.

Strength and Stability

  • Building on over 100 years of experience, AIG is strategically positioned to be the top-performing company, committed to underwriting profitability and long term value.
  • Our broad appetite and large capacity enable us to provide tailored coverage for critical areas of the programs sector on an admitted and non-admitted basis.


Broad Risk Appetite

  • Broad class appetite.
  • Ability to share the underwriting risk  however not mandated.
  • Flexible program structure options. 
  • Package focused, admitted or non-admitted paper. 
  • Ability to provide coverage in all 50 state.

Partnership Focus

  • Partner with best in class experts with a proven track record. 
  • Ability to scale with target of $10M in managed program premium with upside to grow.
  • Unique distribution channel and value  proposition.
  • AIG Programs can work with your recommended TPA or with AIG in house claims. 
  • AIG Programs can work with your underwriting system or deploy technology for rating and issuance.
  • AIG Programs can develop program specific coverage enhancements.

Flexible Compensation Philosophy

  • Flexible commission structure.
  • Profit sharing agreements. 
  • Willing to share underwriting profit with captives/reinsurers. 

National Leadership

Thomas McGrath

Senior Vice President, Head of US Programs, AIG Programs

Melissa Meserve

Vice President, Head of US Programs Business Development, AIG Programs

Downloadable Materials