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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

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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.

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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.

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AIG Programs

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

Provides monoline E&S all-peril property coverage targeting soft occupancies for both primary and excess placements.
 

Coverage Specifics:

  • Property

Location: Nationwide

Provides insurance coverage for small regional and municipal airports, private hangars, fixed base operations (FBOs) and aviation-related risks, including fuel trucks, maintenance vehicles, office trailers, etc.

Coverage Specifics:

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

Location: Nationwide

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

Provides comprehensive property insurance coverage (AAIS Inland Marine) for residential and commercial buildings under construction and during rehabilitation or renovation, including installation floaters.

Coverage Specifics:

  • Inland Marine

Location: Nationwide

Provides expanded property coverage for some perils not covered by standard commercial property insurance policies.


Coverage Specifics:

  • Earthquake
  • Earth Movement
  • Earthquake Sprinkler

Location: Nationwide

Provides insurance coverage for condominium community associations.


Coverage Specifics:

  • Property
  • General Liability
  • Inland Marine
  • Equipment Breakdown
  • Crime
  • Directors and Officer’s Liability

Location: Nationwide

Provides professional liability coverage for certified public accountants and registered investment advisors.
 

Coverage Specifics:

  • Professional Liability

Location: Nationwide

Provides admitted and non-admitted multi-line coverage for crane and rigging, equipment dealer and rental exposures.
 

Coverage Specifics:

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

Location: Nationwide

Provides insurance coverage for dental practices, dental groups (DSO), dental students, and dental schools.


Coverage Specifics:

  • Property
  • General Liability
  • Professional Liability
  • Inland Marine
  • Equipment Breakdown
  • Crime

Location: Nationwide

Provides tailored coverage for resorts and hotels with multiple leisure and recreation activities. Classes include destination spa hotels, lodges, luxury guest ranches, country inns, boutique hotels, and limited interval ownership condominium and condominium associations (not including those owned by ski resorts) with leisure and recreation activities.

Coverage Specifics:

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

Location: Nationwide and Canada

Provides admitted multi-line coverage for businesses engaged in commercial forestry operations with primary focus on logging and lumbering.
 

Coverage Specifics:

  • Auto Liability
  • General Liability
  • Inland Marine

Location: Nationwide

Provides specialized property and casualty insurance solutions for gaming-centric operations including bingo halls, card clubs, casinos and sports betting facilities.

Coverage Specifics:

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

Location: Nationwide

Provides insurance coverage for golf, country, city and tennis clubs.

Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Inland Marine
  • Crime

Location: Nationwide

Provides insurance coverage for condominium associations and homeowner associations (HOAs).

Coverage Specifics:

  • Property

Location: Hawaii

Provides insurance coverages for campgrounds, camps and councils.

Coverage Specifics:

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

Location: Nationwide

Provides management liability solutions for private and non-profit entities with revenues up to $50 million.


Coverage Specifics:

  • Directors & Officers Liability
  • Employment Practices Liability
  • Fiduciary Liability

Location: Nationwide

Provides insurance coverages for manufactured home communities, recreational vehicle (RV) parks/destination resorts, retail dealers of manufactured housing, and recreational unit dealers (including recreational equipment), except RV dealers.

Coverage Specifics:

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

Location: Nationwide

Provides insurance coverages for motorsports-related activities of owners, tracks and teams.


Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Umbrella/Excess
  • Equipment Breakdown
  • Inland Marine
  • Crime
  • Workers Comp
  • Cyber

Location: Nationwide

Provides general liability and professional liability for individual practitioners, groups of practitioners, psychoanalytic schools, institutes and societies. Groups of practitioners include the practitioners, staff and professional corporations.

Coverage Specifics:

  • General Liability
  • Professional Liability

Location: Nationwide

Provides professional liability coverage for law enforcement, public officials and educators.

Coverage Specifics:

  • Professional Liability

Location: Nationwide

Provides insurance coverage for ski areas and resorts, including winter and summer activities.

Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Umbrella/Excess
  • Equipment Breakdown
  • Inland Marine
  • Crime
  • Workers Comp
  • Cyber

Location: Nationwide

Provides professional liability coverage for lawyers in firms with 25 or fewer attorneys.


Coverage Specifics:

  • Professional Liability

Location: Nationwide

Provides multiline package coverage for amateur sports associations, amateur and professional sporting events, high school athletics, intercollegiate athletics and professional sports teams, including team-owned or managed sports facilities.

Coverage Specifics:

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

Location: Nationwide 

Provides insurance coverage for established operations engaged primarily in towing automobiles including auto club contractors, auto body shops, auto mechanical repair shops, roadside service providers and rotational towing operations.


Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • Garage Keepers Liability
  • General Liability
  • Property
  • Equipment Breakdown
  • Inland Marine
  • Crime

Location: Nationwide

Provides an all-lines package for federally recognized Native American Tribes and their owned enterprises in the United States.

Coverage Specifics:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Tribal Workers’
  • Benefits (Workers’ Compensation)
  • Umbrella/Excess
  • Property
  • Crime
  • Errors & Omissions
  • Employment Practices Liability

Location: Nationwide

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

Location: Nationwide

Brokers: Meet Your AIG Team

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

Downloadable Materials

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AIG Programs Overview

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AIG Alternative Channels Leadership Team

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AIG Program Capabilities Presentation

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.

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