--- title: "AIG Private Client Group Review [Updated 2026]" description: "AIG is a global insurance organization that provides personal lines insurance for high-value homes and autos through their MGA, Private Client Select Insurance Services." canonical: "https://www.coveragecat.com/reviews/aig-private-client-group-review" last-updated: "2026-08-13" --- # AIG Private Client Group Review [Updated 2026] 1. [Introduction to AIG Insurance](#introduction) 2. [What Kinds of Insurance Does AIG Offer?](#kindsofinsurance) 3. [How Does AIG Insurance Work?](#howdoesitwork) 4. [Pros and Cons of AIG Insurance](#proscons) 5. [Get Customer Support Or File A Claim For AIG Insurance](#customersupport) 6. [Frequently Asked Questions](#faq) ### Introduction to AIG American Insurance Group (AIG) is a global company whose roots trace back to the American Asiatic Underwriters, an insurance company founded in 1919 in Shanghai. Since 1926, AIG has operated in the United States, first as American International Underwriters (AIU) in New York City. In 1967, American International Group, Inc. (AIG) was created as an umbrella organization for the company's insurance businesses. Today, AIG has written over [$26 billion of net premiums](https://www.aig.com/home/about) and [serves customers in over 190 countries and jurisdictions](https://www.aig.com/home/about). AIG offers a variety of financial products under its umbrella, including life insurance, mortgage insurance, property casualty, and retirement services. AIG provides personal lines insurance through [Private Client Select](https://www.privateclientselect.com/pcs), which offers coverage for high-end homes, collections, automobiles, yachts, horses, and excess liability. [In 2023, AIG partnered with private equity firm Stone Point Capital to restructure its Private Client Group business into an independent MGA platform](https://www.artemis.bm/news/aig-to-shift-private-client-business-to-third-party-capital-backed-mga-structure/), with the Private Client Group leadership team, including President and CEO Kathleen Zortman, transferring to the new entity. ### What Kinds of Insurance Does AIG Offer? AIG [policies](https://www.privateclientselect.com/offerings) are highly customized and geared toward protecting the assets of high-net-worth clients. They offer [homeowners insurance for high-end properties](https://www.privateclientselect.com/offerings/homeowners), [automobile insurance for standard and collectible vehicles](https://www.privateclientselect.com/offerings/automobile), [excess liability insurance](https://www.privateclientselect.com/offerings/excess-liability), [yacht insurance](https://www.privateclientselect.com/offerings/yacht), and [horse insurance](https://www.privateclientselect.com/offerings/equine). AIG also offers [coverage for private collections of valuable items](https://www.privateclientselect.com/offerings/collections), such as wine, jewelry, books, musical instruments, and memorabilia. AIG also offers [Travel Guard travel insurance plans](https://www.travelguard.com/), which protect a variety of trip costs and risk, such as flight cancellations, lost bags, and medical emergencies. ### Does AIG Sell Auto Insurance? Yes, AIG sells personal auto insurance through Private Select Client in all 50 states. AIG auto insurance can cover everyday vehicles, collector and high-performance vehicles, ATVs, motorhomes, golf carts, and motorcycles. Unlike most auto insurers, which require special policies for high-end cars or non-car vehicles, AIG's specialty auto policies allow customers to purchase one singular policy and cover all their vehicles. AIG auto insurance can provide all standard coverages, including comprehensive, collision, liability, personal injury protection, and uninsured/underinsured motorist coverage (actual coverages offered may vary by state). AIG also offers a few specialty coverages such as: Agreed Value: A rider that guarantees an agreed-amount of coverage for vehicles in the event of a total loss instead of actual cash value which factors in depreciation. New Vehicle Replacement: For new vehicles (within 3 years of purchase), customers may choose to receive the Agreed Value, or a new similar vehicle. Cash Settlement: Policyholders with vehicle damage 50% or more than the agreed value can choose to repair their vehicle, or receive an agreed value payout. Extensive liability: AIG auto insurance policies include both worldwide liability coverage, and liability limits of up to $1 million per occurrence. Because AIG covers high-end cars and provides specialty offerings, its premiums may be higher than those of an average policy. ### Does AIG Sell Homeowners Insurance? Yes, AIG offers homeowners insurance for high-value properties, including those with unique architecture, design, or other features. The company works with its clients to implement risk-management solutions to proactively minimize future damage risks and losses. These measures include preventive maintenance of pipes and other hydraulic infrastructure and background checks on employees, to name a few. [According to Money.com, AIG homeowners policies typically start at a minimum home value of $500,000](https://money.com/aig-homeowners-insurance-review/), though requirements vary by state. AIG's comprehensive homeowners policies insure single-family homes, condos and co-ops, historic homes, and even homes outside of the U.S. Customers can purchase standard insurance coverages such as dwelling, personal property, liability, additional living expenses, and even insure multiple properties with one policy. Policies include guaranteed coverage for rebuilding costs, water backup coverage, lock replacement, and pet damage protection. [The company's Hurricane Protection & Outreach team provides guidance on protective measures such as ember-resistant vents for wildfire protection](https://www.privateclientselect.com/offerings/homeowners). AIG also offers specialty coverage options to supplement a standard homeowners policy, including: * Family CyberEdge: Cyber insurance that provides protection against cyber extortion and other cyber attacks, and covers data restoration, crisis management, and reputation restoration. * Staff Assistance: AIG homeowners customers can access background checks for private staff, as well as personal security consultations. * Architectural Legacy Services: Exclusive consultant access for historic homes. AIG's specialists consult on loss prevention, renovation, documentation, and other projects. ### Does AIG Sell Liability Insurance? Yes, AIG offers excess liability or umbrella insurance to cover personal injury, property damage, and other liability claims that go past your home and auto limits. AIG provides excess coverage starting at $1 million and up to $100 million, depending on your risk. Liability coverage through AIG offers worldwide protection and additional coverage for personal injury, libel and slander, which are usually excluded on property insurance policies. In addition to standard coverages, AIG also offers specialty protections through its excess liability policies, including: * Choice of Representation: AIG policyholders can choose from various law firms in the event of a claim, instead of being appointed representation. * Excess Uninsured Motorist Liability: Provides up to $10 million in coverage to the policyholder in the event of an auto accident caused by an uninsured or under-insured driver. * Not-For-Profit Board Liability: AIG can provide up to $3 million in coverage for policyholders who hold non-profit board positions to protect against claims of wrongful termination, harassment, libel, slander, discrimination, copyright infringement, and more. * Employment Practices Liability: Provides up to $250,000 per year in the event of a lawsuit brought against a homeowner by their private staff. ### How Does AIG Insurance Work? AIG insurance policies must be purchased through a licensed independent agent/broker. Because AIG is geared toward high-net-worth clients with specific needs, you might need to purchase multiple lines of insurance through AIG or own a higher-value property. [In January 2026, Private Client Select announced that Ross Buchmueller, founder and former CEO of PURE Insurance, joined the board as chairman](https://www.insurancejournal.com/news/national/2026/01/06/853160.htm), bringing decades of experience in the high-net-worth personal insurance market. [In 2024, AIG established a partnership with Ryan Specialty to serve as the exclusive wholesale broker for Private Client Select in the high and ultra-high-net-worth markets](https://www.reinsurancene.ws/ryan-specialty-and-private-client-select-launch-excess-surplus-lines-distribution-partnership/) across the United States, expanding access to both admitted and non-admitted coverage capabilities. To get a quote through AIG and other high-net-worth insurers, try [Coverage Cat's easy online quoting](https://app.coveragecat.com/umbrella). ### AIG Private Client Group Typical Policyholder Profile [According to Money.com, the average AIG Private Client Group policyholder owns a home with a replacement cost of $2.6 million, owns four vehicles, holds 3.5 insurance policies, and pays approximately $18,000 in annual premiums](https://money.com/aig-homeowners-insurance-review/). The company reports that [nearly 40% of the Forbes 400 Richest Americans list are AIG Private Client Group policyholders](https://money.com/aig-homeowners-insurance-review/). | Policyholder Metric | Average Value | |---------------------|---------------| | Home replacement cost | $2.6 million | | Number of vehicles | 4 | | Number of policies | 3.5 | | Annual premium | $18,000 | ## Pros and Cons of AIG

Pros

Cons

### AIG Private Client Insurance Rating and Financial Strength AIG maintains strong financial strength ratings from major rating agencies. [AM Best affirmed a Financial Strength Rating of A (Excellent) with a positive outlook for AIG's property/casualty insurance subsidiaries in November 2025](https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=36771). The company's General Insurance underwriting income rose 81% year-over-year, reaching $793 million for Q3 2025, and [AIG reported five consecutive years of underwriting profitability from 2021 through 2025](https://www.stocktitan.net/news/AIG/). For full-year 2025, [AIG's adjusted after-tax income per diluted share rose to $7.09, representing a 43% increase year-over-year](https://www.stocktitan.net/news/AIG/), and the company returned $6.8 billion to shareholders, including $5.8 billion in share repurchases. | Rating Agency | Rating | Outlook | |---------------|--------|---------| | AM Best | A (Excellent) | Positive | | S&P Global | AA- | Stable | | Moody's | A1 | Stable | ### Get Customer Support Or File A Claim For AIG Insurance AIG offers one unified helpline for all products, including business and personal. You can reach them by phone at +1(800)CALL-AIG (800-225-5244). **Customers who need to contact Private Client Select support should instead call +1(877)418-1016.** To file a claim for AIG's Private Client Select, you should contact your independent insurance advisor or reach out to AIG directly through their support phone (888-760-9195) or fax (866-858-1472). Customers who are traveling abroad can also call +1-302-482-6000. [AIG's claims team offers a single point of contact for each claim, with 24-hour response times and one-hour response for emergencies](https://money.com/aig-homeowners-insurance-review/). For general payment and billing support services, customers can call 1-888-978-5371 or use AIG's messaging service by texting "Hi" to 893-18 (messaging and data rates may apply). ### AIG Private Client Insurance Claims Experience [AIG's collections policies automatically extend up to 25% of class limit for newly acquired items up to 90 days after purchase](https://www.aig.com/pcg/offerings/collections/claims), providing flexibility for clients who acquire new valuables. In documented cases, [AIG hired a professional diver to recover lost jewelry rather than simply paying the claim](https://www.aig.com/pcg/offerings/collections/claims), demonstrating the company's commitment to extraordinary service. Claims specialists provide proactive risk management recommendations, such as suggesting sewer backflow prevention devices to prevent future water damage incidents. ### Frequently Asked Questions ### Should I Buy AIG Insurance? AIG is geared to high-net-worth individuals, generally [defined as someone who has at least $1 million in liquid assets](https://www.investopedia.com/terms/h/hnwi.asp#:~:text=A%20high%2Dnet%2Dworth%20individual%20(HNWI)%20is%20a,million%20in%20liquid%20financial%20assets), who own homes and vehicles. If you fit into this category, particularly if you have difficult to insure property such as high-value, coastal, or historic homes, collectible vehicles, or valuable collections, AIG's Private Client Select might be a good fit for you. Along with insuring unique property, AIG might be able to lower the number of insurance plans you hold, giving you comprehensive plans for cars, houses, and other assets. ### Is AIG Insurance a Real Insurance Company? Yes, AIG is a real insurance company and has been around since 1919. Private Client Select is a part of AIG and provides personal lines homeowners, auto, yacht, collections, equine, and excess liability/umbrella insurance geared toward high-net-worth individuals. ### Is AIG Private Client Good Insurance? AIG Private Client insurance reviews show the company maintains strong financial strength ratings and offers comprehensive coverage for high-net-worth clients. [AM Best affirmed an A (Excellent) rating with a positive outlook](https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=36771), and the company's NAIC complaint index of 0.30 for auto insurance is well below the 1.00 national average [(NAIC, "Complaint Index", 2025)](https://www.naic.org/documents/Complaint-Index.pdf). However, customer satisfaction varies across AIG's different product lines, with some complaints about claims handling in non-Private Client Group products. ### What Are Common AIG Private Client Insurance Complaints? AIG Private Client insurance complaints typically relate to premium costs rather than coverage quality or claims service. Because AIG insures high-value properties and luxury vehicles, premiums are higher than standard policies. Some clients have expressed concerns about required coverage minimums and bundling requirements. [Overall AIG Trustpilot reviews show a 1.2 out of 5 rating](https://ie.trustpilot.com/review/aig.com), but many negative reviews focus on travel insurance and AppleCare+ products rather than Private Client Group policy reviews. ### How Does AIG Make Money? AIG makes money by investing the cash from the premiums paid by its policyholders for its insurance policies and other products and by managing its expenses, including claims, operating, and reinsurance costs.
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