AIG Premier Client Services
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Could not locate a current, official AIG "Premier Client Services" or "Premier Client Solutions" U.S. homeowners underwriting/appetite guide or producer-underwriting page. Available evidence indicates that Premier Client Services is/was a billing and service brand for AIG’s high‑net‑worth personal insurance (aligned with AIG Private Client Group / Private Client Select), but AIG now presents high‑net‑worth personal lines under the broader AIG Private Client Group branding with underwriting subject to individual review. Operational takeaways based on what is visible from official AIG sources and market position: • Preferred business / target segment (inferred from AIG Private Client positioning) – High‑net‑worth and affluent clients with high‑value primary, secondary, and seasonal homes requiring customized coverage and high limits, often bundled with auto, umbrella, and valuables scheduling. – Risks generally require strong condition, higher replacement cost values, and willingness to implement risk‑mitigation (alarms, monitored systems, appropriate maintenance). Coverage is subject to underwriting approval; limits and offerings vary by jurisdiction. • Restricted / declined classes (inferred, not explicitly documented for PCS) – AIG’s public statements around Private Client Group indicate a tightened risk appetite and focus on true high‑net‑worth; mid‑market or upper‑middle‑market homes that do not meet high‑net‑worth criteria are often placed with other carriers via transition arrangements or brokers. – Properties in catastrophe‑exposed areas (coastal wind, wildfire, high‑crime zones) are subject to heightened underwriting scrutiny, higher deductibles, mitigation requirements, or possible declination if risk does not align with current appetite. Exact criteria are not published on an open producer page. • Geographic notes – AIG Private Client Group markets high‑net‑worth property solutions nationally, but all coverage is “subject to underwriting review and approval” and “may not be available in all jurisdictions.” This applies to homeowners as well as other personal products. Local appetite (e.g., in high‑cat or distressed states) can change quickly and needs to be confirmed with AIG underwriters or the Private Client/PCS servicing team at time of quote. • Submission / documentation expectations (partial) – No open U.S. PCS producer‑facing underwriting guide is posted; however, AIG’s broader personal and Private Client materials consistently note that coverage, limits, and pricing are subject to underwriting review. – For high‑net‑worth homes, producers should expect standard HNW company requirements: detailed application including construction, protection, occupancy details, prior insurance and loss history; high, verifiable replacement cost estimates; and inspection/survey as requested. – Billing and remittance references for “Premier Client Solutions/Services” in U.S. broker material show PCS as a specific lockbox / payee name but do not include underwriting guidance. Treat these as service/billing references only, not appetite indicators. • Broker / producer instructions – AIG’s public high‑net‑worth site directs clients and brokers to work with AIG Private Client Group/Private Client Select for proposal, underwriting review, and program design. There is no separate, current open‑web PCS appetite grid. – Producers should route high‑value home opportunities through their appointed AIG Private Client / PCS contact or wholesaler/MGA that has a Private Client facility, and follow any internal AIG broker manuals, portals, or bulletins not available on the open web. Because there is no verified, current PCS‑specific underwriting or appetite page, treat this guidance as high‑level and confirm all eligibility, appetite, and documentation standards directly with AIG Private Client/PCS underwriting before quoting or binding.