AIG Programs

AIG manages both large and small portfolios, national or regional in scope, working with partners in all 50 states.

Why choose AIG for Programs?

With over 50 years in the Programs space, AIG Programs is an industry leader in the U.S. Program business. We focus on developing strategic solutions designed to make Program Administrators’ lives easier.

By leveraging our breadth of offerings and dedicated Underwriting, Claims and Loss Control teams, we offer exceptional service and solutions. We serve niche markets on both an admitted and non-admitted basis, through market leading infrastructure and underwriting expertise.

The AIG Advantage

We have a broad appetite for the types of business we serve, coupled with flexible program and compensation structures. At AIG, we see managing programs as a team effort and we consider our Program Administrators critical team members and partners.

Our Appetite

Our breadth of products includes Property, General Liability, Inland Marine, Automobile,  Umbrella/Excess, and Professional Liability.

Our Product

Program Administrators can share the underwriting risk with an added ability to scale with a target of $10 million in managed program premium with upside to grow.

Our People

We view our Program Administrators as partners, helping them strengthen client loyalty and attract new opportunities.   

  • Offers customized products developed by seasoned program specialists for Program Administrators on both an admitted and non-admitted basis
     
  • Crafts flexible client-specific programs across a wide range of insurance coverages—including General Liability, Professional Liability, Liquor Liability, Sexual Misconduct Liability, Cyber, Auto, Property, Crime, Inland Marine, Equipment Breakdown, Umbrella  and more

  • Provides broad industry appetite across multiple sectors

  • Delivers consistently superior client service by fostering long-term relationships with Program Administrators
     
  • Adapts to the needs of Program Administrators with the ability to use their existing rating & issuance platform or AIG’s and to provide unique coverage enhancements and services

  • Services unique program needs in all 50 US States through either a package or monoline solution

  • Provides flexibility in claims handling through access to AIG’s dedicated, in-house claims professionals and/or collaboration with third-party administrators (TPA) 

  • Dedicates claims and risk management professionals to focus on loss prevention and a strategic approach to clients’ emerging risks
     
  • Works transparently with clients to ensure a clear understanding of the claims process and issue resolution

Share Your Ideas

We’re always looking for new and successful programs that meet evolving risk challenges. If you have an existing program you'd like to discuss, please reach out to us.

Contact us

Program Development Process Fosters Sustainable Programs and Growth

AIG Programs has a dedicated Program Development Team to ensure a smooth on-boarding experience.  From the initial submission, our Program Administrators are partnered with the underwriting, actuarial, operations, claims, and risk management stakeholders instrumental in a successful implementation.  Building strong relationships from day one enables open communication and the fostering of profitable portfolios for the long term.

AIG Programs

Our portfolios range from standard commercial classes to those created for complex, high-risk exposures.

The Alaska Commercial Insurance Program provides insurance coverage for a variety of commercial risks located in the state of Alaska

Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Umbrella/Excess
  • Inland Marine
  • Crime

Location: Alaska only

The Aviation Program provides insurance coverage for small regional and municipal airports, private hangars, Fixed Base Operations (FBO's) and aviation related risks (e.g., fuel trucks, maintenance vehicles, office trailers, etc.).

Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Umbrella/Excess
  • Inland Marine

Location: Nationwide

The Broadcasters Program provides insurance coverage for non-network radio and TV stations.

Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Umbrella/Excess
  • Inland Marine
  • Crime

Location: Nationwide

The Builders Risk and Vacant Property Program provides insurance coverage for small construction projects and small vacant property exposures.

Coverage Specifics:

  • General Liability
  • Property

Location: Nationwide

The Builder’s Risk Program provides comprehensive property insurance coverage (AAIS Inland Marine) for Residential and Commercial buildings and structures in the course of construction and during rehabilitation or renovation, including installation floaters.

Coverage Specifics:

  • Inland Marine

Location: Nationwide, excluding Rhode Island

CLIP provides insurance coverage for associations, clubs, non-profit civic, social, or professional organizations. Inland Marine coverage is available for specified property owned by members of approved organizations on either a sponsored or non-sponsored basis.

Coverage Specifics:

  • General Liability
  • Inland Marine

Location: Nationwide

The DealerGuard Program provides non-admitted dealer open-lot insurance coverage for franchised and non-franchised retail dealers of new and used automobiles, trucks, equipment, recreational vehicles, motorcycles, ATVs, snowmobiles, and personal watercraft.

Coverage Specifics:

  • Inland Marine

Locations: Nationwide

The Golf and Tennis Club Insurance Program provides insurance coverage for golf, country, city, and tennis clubs.

Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Umbrella/Excess
  • Inland Marine
  • Crime

Location: Nationwide

The Hawaii Condo Property Program provides insurance coverage for Condominium Associations and Homeowner Associations (AOAOs).

Coverage Specifics:

  • General Liability
  • Property

Location: Hawaii

The Manufactured Housing Program includes Manufactured Home Communities, Recreational vehicle (RV) parks/destination resorts, Retail dealers of Manufactured housing, and Recreational unit dealers (includes recreational equipment), except RV dealers.

Coverage Specifics:

  • General Liability
  • Cyber
  • Employee Practices Liability Insurance (EPLI)
  • Property
  • Inland Marine
  • Crime
  • Equipment Breakdown
  • Hired and Non-Owned Auto
  • Umbrella

Location: Nationwide

The MountainGuard Ski Program provides insurance coverage for ski areas and resorts including winter and summer activities.

Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Inland Marine
  • Umbrella/Excess

Location: Nationwide and Canada

The Moving and Storage Program provides property insurance coverage for household goods movers, and PODS franchises.

Coverage Specifics:

  • Property
  • Equipment Breakdown
  • Inland Marine

Location: Nationwide except California

The Difference In Conditions Program provides expanded property coverage for some perils not covered by standard commercial property insurance policies.  

Coverage Specifics:

  • Earthquake
  • Earth Movement
  • Earthquake Sprinkler
  • Difference In Conditions
  • Flood

Location: Nationwide

The ResortGuard Program provides insurance coverage for timeshare and interval ownership condominiums, condominium associations (not owned by ski resorts), master planned communities, destination resort and spa hotels, upscale sportsman lodges, and VIP and boutique hotels.

Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Umbrella/Excess
  • Inland Marine
  • Crime

Location: Nationwide and Canada

The Tribal First Property Program provides property-only coverage for Sovereign Native American Nations.

Coverage Specifics:

  • Property
  • Inland Marine

Location: Contiguous 48 states

The United Farmers Agents Association Program provides Errors & Omissions (E&O) coverage for Farmers and Independent personal lines agents.

Coverage Specifics:

  • Professional Liability

Location: Nationwide

The Welding Supply Distributors Insurance Program provides insurance coverages for the welding supply distributors including industrial gases; Welding Supply Distributors Partnership Group (WDPG).

Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Umbrella/Excess
  • Equipment Breakdown
  • Inland Marine

Location: Nationwide

Brokers: Meet Your AIG Team

View contact information for AIG’s national product and distribution teams.

Downloadable Materials

Filename
aig-programs-highlight-sheet.pdf
Size
116 KB
Format
application/pdf
Programs Highlight Sheet

The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a description of the scope and limitations of coverage.