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.
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
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.
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
Attorneys Advantage provides Lawyer’s Professional Liability Program for 1-25 attorney firm.
Coverage Specifics:
Professional Liability
Location: Nationwide
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 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.
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 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 Leisure Program provides insurance coverages for coverage for Councils, Campgrounds, and Camps. Councils include Girl Scouts of the USA, Campfire USA, Frontier Girls, and Spiral Scouts International.
Coverage Specifics:
Auto Liability
Auto Physical Damage
General Liability
Property
Umbrella/Excess
Equipment Breakdown
Inland Marine
Location: Nationwide
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 MotorSports Program provides a range of insurance coverages for motorsports-related activities of owners, tracks, teams.
Coverage Specifics:
Auto Liability
Auto Physical Damage
General Liability
Property
Umbrella/Excess
Equipment Breakdown
Inland Marine
Crime
Workers Comp
Cyber
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 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 Psychoanalysts Professional Program provides general liability for individual practitioners, groups of practitioners, psychoanalytic schools and institutes and psychoanalytic societies. Groups of practitioners include the practitioners themselves, their staff, and their professional corporations.
Coverage Specifics:
General Liability
Professional Liability
Location: Nationwide
The Public Entity Program provides Professional Liability Coverage for Law Enforcement, Public Officials and Educator’s Legal Liability.
Coverage Specifics:
Professional Liability
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 Sports Program is a multiline package program coverage for amateur sports associations, amateur and professional sporting events, high school athletics, intercollegiate athletics and professional sports teams including minor and major league sports, team-owned or managed sports facilities.
Coverage Specifics:
Auto Liability
Auto Physical Damage
General Liability
Property
Umbrella/Excess
Equipment Breakdown
Inland Marine
Location: Nationwide
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.
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.
