INSURANCE CARRIER
AIG Private Client Insurance
AIG Private Client Group provides high-net-worth personal lines coverage.
Personal Lines
- File a claim 1-888-760-9195 · 24/7 phone
- Online Account & claims portal
- After hoursAIG Private Client: 1-888-760-9195 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
AIG Private Client Group provides high-net-worth personal lines coverage.
Strengths
What This Carrier Does Well
Guaranteed replacement cost on qualifying homes with no dollar cap
High-limit umbrella and excess liability (to $100M) for complex liability exposures
Private Client risk management services including home inventory, appraisal coordination, and loss prevention consultation
Limitations to Know
Where They Fall Short
Minimum home value and net worth thresholds exclude most mid-market homeowners
Premium pricing; AIG assumes coverage breadth and service justify rate, which is true for the right client
Limited appetite outside the high-net-worth segment
Right Fit
Who They Are Best For
Best Fit For
Families with high-value homes, complex liability exposures, private aviation or yacht ownership, and business owners who need personal excess coverage.
Not a Good Fit For
AIG's minimum thresholds and premium structure are designed for ultra-high-net-worth clients, so the underwriting rarely fits homes below that range.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- Private Client homeowners, high-value auto, yacht, jewelry and fine art, personal excess liability, kidnap/ransom
- Carrier's Licensed States
- Available in most US states through Private Client Group
- Personal Lines States
- Most US states through Private Client Group
Pricing & Claims
What to Expect
Best Pricing For
AIG is not price-competitive for standard homeowners. The right choice when guaranteed replacement cost, agreed value personal property, and concierge claims service justify the premium for estates and high-value collections.
Pricing Context
Premium pricing reflecting coverage depth and service model. Not a price-competitive option relative to standard market carriers.
Claims Experience
Specialized Private Client adjusters with high-net-worth claim experience. Larger losses often involve specialty adjusters for art, jewelry, or complex structural damage. Service level is calibrated to the client tier. Admitted Status: Admitted carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable state guaranty fund protections up to applicable limits. Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy. Verify this carrier's license with your state insurance department
Admitted Status: Admitted carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable state guaranty fund protections up to applicable limits.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts