Risk Expertise

AIG’s underwriters and risk consulting teams serve as allies to our clients and distribution partners to help them identify ways to mitigate risk and build resiliency. 

The experience of our global colleagues spans multiple industries and regions—giving them unique insight to identify exposures and develop loss control programs. 

As part of AIG’s commitment to underwriting excellence, potential exposures are evaluated prior to offering insurance coverages, such as property, casualty, cyber and specialty. The data collected depends on the type of coverage being sought, ranging from sprinkler system quality to vulnerabilities in computer networks. This detailed analysis allows AIG underwriters to accurately assess potential exposures, predict loss relative to AIG’s capacity and risk appetite, and ultimately determine whether the deployment of capital meets AIG's underwriting standards.

Once insured, clients work with AIG’s underwriting and risk consulting teams on an ongoing basis to help clients improve strategies to prevent or reduce losses, manage costs, decrease business interruption, and enhance their underwriting profile. These efforts often include: devising wildfire defense strategies in emergency situations; providing assistance during a cyber breach or suspected breach; and making preferred vendors available when needed. AIG also offers clients training in areas like workplace safety, accident investigation, cybersecurity and various other risk management topics.

Working with clients to mitigate risk helps strengthen our relationships, increase retention and reduce claims, which can lower costs for both the client and AIG.

AIG remains a strong strategic partner to clients worldwide as we expand our global presence amid a shifting risk landscape—driven by technological, regulatory and social change.

In 2022, we strategically advanced growth in AIG’s commercial specialty, marine, energy and property lines, and accident and health in personal lines.

Diversifying AIG’s portfolio of global clients is another business priority. While maintaining sustainable growth in AIG’s large corporate and multinational accounts, we are introducing new growth in the small and medium-sized business market in certain jurisdictions with tailored product offerings and fast, efficient distribution platforms.

Global product innovation is also key, as clients shift from tangible to intangible assets. AIG evaluates 21st century exposures—such as intellectual property, digital ledger technology, AI and robotics—to deepen our understanding of emerging technologies likely to reshape risk and create innovative insurance products to meet clients’ evolving needs.

To further identify and mitigate potential exposures, AIG monitors changes in regulations, laws and litigation practices worldwide. Our global footprint, combined with local regulatory and legislative knowledge, helps us advise clients of potential coverage gaps and efficiently adapt products from other geographies.

AIG is well positioned for continued profitable growth in the global market by providing insightful, expert advice and delivering value to our clients, distribution partners and other stakeholders.