AIG Private Client
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
AIG Private Client Group focuses on high‑net‑worth personal lines, anchored by custom homeowners coverage and typically packaged with auto, valuable articles, and excess liability. The public homeowners brochure is more marketing than a formal rulebook, but it, plus supporting producer materials, gives a usable picture of appetite and operating expectations. Preferred business (homeowners / personal package) - High‑value primary residences and secondary homes with coverage A generally at or above the $1M mark and total account premium large enough to justify specialized underwriting and loss services. ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/pcghomeowners-brochure.pdf?utm_source=openai)) - Well‑maintained, well‑protected homes (central station fire/burglar, appropriate roofing, updated systems) with strong attention to risk mitigation and willingness to implement loss‑control recommendations (e.g., water‑leak detection, wildfire hardening, security upgrades). ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/pcghomeowners-brochure.pdf?utm_source=openai)) - Affluent households with multiple lines placed with AIG (home, auto, valuable articles, umbrella/excess) and a demonstrated interest in broad, higher‑limit coverage and specialized claims handling. ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/pcghomeowners-brochure.pdf?utm_source=openai)) - Clean to moderate loss history where high severity, not chronic frequency, is the primary concern and the client values AIG’s risk‑consulting/claims expertise. Restricted or higher‑scrutiny risks - Very high TIV coastal or catastrophe‑exposed homes (wind, wildfire, quake) are written selectively and subject to modeling, pricing, and aggregate‑management review. A Florida‑specific producer guide shows granular requirements by county, minimum account premium thresholds, non‑CAT location balance, and construction/mitigation criteria (e.g., post‑1994 construction, shutters, masonry). This is producer‑facing but demonstrates that coastal wind is heavily managed and subject to strict underwriting approval. ([halcyonuw.com](https://halcyonuw.com/wp-content/uploads/2025/10/Florida-Wind-Strategy-Producer-Guide.pdf?utm_source=openai)) - Larger estates, historic/unique construction, extensive custom finishes, or homes with nonstandard occupancies (long‑term vacancy, short‑term rental, in‑home business, farm/ranch exposures) generally require individual underwriter sign‑off and may be accepted only with tailored terms (higher deductibles, sublimits, protective safeguards, or partial participation). - Monoline homeowners may be considered in limited cases, but internal material emphasizes multi‑line account placement and notes special terms for homes with very high Coverage A limits; expect underwriters to push for bundled accounts and to be cautious with standalone home risks. ([independentagent.com](https://www.independentagent.com/SiteAssets/TFT/Ads/AdDocs/AIGPCG.pdf?utm_source=openai)) Declined / typically unacceptable - Mass‑market, mid‑value homes that do not require high‑net‑worth features or that cannot support premium/limit levels consistent with AIG’s high‑value positioning. - Poorly maintained properties, ongoing serious structural or system issues, or indications that the insured is unwilling to complete recommended risk‑improvement work. - Accounts with chronic small‑loss frequency, significant open/unresolved losses, or evidence of moral‑hazard issues. - Locations or classes outside AIG’s current personal‑lines footprint (some regions and segments have been significantly reduced or exited in recent years; agents should confirm state and product availability with their marketing contact before marketing AIG to a prospect). ([shepardinsgrp.com](https://www.shepardinsgrp.com/blog/aig-private-client-group-continues-its-personal-insurance-exit/?utm_source=openai)) Geographic notes - AIG Private Client Group operates on a selective, state‑by‑state basis; coastal and catastrophe‑prone states (e.g., Florida, certain Gulf and Atlantic counties, high‑wildfire West) are tightly controlled with detailed county‑level rules, high minimum account premiums, and often a required non‑CAT balance of business on the same account. ([halcyonuw.com](https://halcyonuw.com/wp-content/uploads/2025/10/Florida-Wind-Strategy-Producer-Guide.pdf?utm_source=openai)) - Certain international personal‑lines segments have been exited (e.g., Canada personal auto/home), and U.S. personal writings have been repositioned toward disciplined, profitable high‑net‑worth business. Treat appetite as dynamic and confirm with the underwriter or territory manager for any border‑line geography. ([insurancejournal.com](https://www.insurancejournal.com/news/international/2019/03/29/522288.htm?utm_source=openai)) Submission / producer expectations - AIG markets Private Client as a relationship‑driven, advisory product; submissions should be complete, with full property characteristics, construction and update details, protection features, occupancy, valuation basis, and a clear narrative on the client profile and loss history. - Underwriters expect multi‑line opportunities and will look more favorably on accounts that include home, auto, collections, and excess, rather than isolated single‑line placements. ([independentagent.com](https://www.independentagent.com/SiteAssets/TFT/Ads/AdDocs/AIGPCG.pdf?utm_source=openai)) - Cat‑exposed property submissions should include current replacement‑cost estimates, wind mitigation details (shutters, roof age and type, tie‑downs, elevation, flood zone), and any existing or proposed risk‑control measures; many of these accounts are subject to modeling and senior‑level approval before quote or bind. ([halcyonuw.com](https://halcyonuw.com/wp-content/uploads/2025/10/Florida-Wind-Strategy-Producer-Guide.pdf?utm_source=openai)) - Coverage is subject to underwriting review and approval, and not all coverages or services are available in every jurisdiction; producers are directed to work through their appointed broker/wholesale or AIG marketing contact for up‑to‑date eligibility and structure. ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/pcghomeowners-brochure.pdf?utm_source=openai)) Broker / producer notes - Producer‑facing material stresses that guidance is illustrative only and that risk acceptance, pricing, and terms may change quickly, particularly in coastal wind and other CAT‑exposed areas; always confirm authority, aggregates, and any moratoriums before binding. ([halcyonuw.com](https://halcyonuw.com/wp-content/uploads/2025/10/Florida-Wind-Strategy-Producer-Guide.pdf?utm_source=openai)) - AIG positions its claims and risk‑consulting service as a key differentiator for high‑net‑worth clients; brokers should highlight access to specialized loss‑prevention services, tailored claims handling, and broad, high‑limit coverage when positioning AIG vs. standard personal lines carriers. ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/pcghomeowners-brochure.pdf?utm_source=openai)) Operationally, treat AIG Private Client as a selective high‑net‑worth home and personal package market that wants large, multi‑line, well‑protected accounts, is cautious in CAT‑prone states (especially coastal wind), and requires complete, narrative‑style submissions through appointed channels, with all appetite and authority confirmed directly with the underwriter or program broker.