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
Operational notes based on currently available public information and market positioning; AIG’s detailed producer underwriting manuals for Private Client are not published openly, and specific eligibility/territorial rules must be confirmed in the broker portal or with a PCG/Private Client Select underwriter. Preferred / target business - High‑net‑worth and ultra‑high‑net‑worth individuals and families, generally with substantial assets and complex personal risk profiles, written historically through AIG Private Client Group (now largely transitioned to AIG‑backed Private Client Select in the U.S.). ([sec.gov](https://www.sec.gov/Archives/edgar/data/5272/000000527223000007/aig-20221231.htm?utm_source=openai)) - High‑value primary, secondary, and vacation homes; industry marketing for AIG Private Client Select highlights appetite starting around US$1,000,000 Coverage A on the home, with excess liability commonly at $5M+ (and up to very high limits via umbrella). ([mynewmarkets.com](https://www.mynewmarkets.com/listings/719uvd?utm_source=openai)) - Households often purchasing multiple lines (home, auto, excess, collections, yacht) with significant total premium; AIG presentations historically encourage at least two personal lines (home + auto or umbrella, etc.) to optimize fit. ([independentagent.com](https://www.independentagent.com/SiteAssets/TFT/Ads/AdDocs/AIGPCG.pdf?utm_source=openai)) - Risks that value higher limits, broad contract language, risk‑engineering services, and white‑glove claims handling typical of HNW carriers. ([aigprivateclient.com](https://www.aigprivateclient.com/index.html?utm_source=openai)) Restricted / declined classes and risk posture (homeowners) - Catastrophe‑exposed property, especially wildfire‑prone California: AIG Private Client Group publicly ceased offering admitted homeowner solutions in California in response to wildfire and other CAT loss experience. New business and renewals requiring admitted paper there have been heavily curtailed or non‑renewed; remaining capacity (if any) tends to be surplus‑lines or via alternative structures and must be confirmed on an account‑by‑account basis. ([theinsurer.com](https://www.theinsurer.com/ti/news/aig-private-client-group-to-stop-writing-admitted-homeowners-in-california/?utm_source=openai)) - In other high‑CAT areas (coastal wind, hurricane‑exposed zones, certain high‑crime urban ZIPs), appetite exists but is selective; marketing for AIG Private Client Select notes that coastal and Florida wind capacity is available, which implies heightened underwriting scrutiny, higher deductibles, and possible use of surplus lines or layered structures for large TIVs. ([mynewmarkets.com](https://www.mynewmarkets.com/listings/719uvd?utm_source=openai)) - Homes below the high‑value threshold (sub‑$500k Coverage A) typically fall outside core appetite; prior PCG underwriting material indicates a standard target starting at $1M Coverage A, with selective consideration down to ~$500k in strong profiles. ([independentagent.com](https://www.independentagent.com/SiteAssets/TFT/Ads/AdDocs/AIGPCG.pdf?utm_source=openai)) - Accounts unwilling to implement recommended risk‑mitigation (monitored fire/burglar alarms, central station connections, water‑leak detection, defensible space and wildfire mitigation, etc.) are often declined by HNW carriers generally; broker commentary for AIG/peer carriers shows central‑station protection is a de‑facto requirement on many high‑value homes. ([reddit.com](https://www.reddit.com/r/fatFIRE/comments/oejie7?utm_source=openai)) Geographic notes - U.S. footprint is nationwide for HNW personal lines via AIG’s Private Client channels, but with significant territorial differences: - California: admitted homeowners largely exited; expect limited or no new HO capacity on admitted paper and many non‑renewals. Verify any remaining surplus‑lines or bespoke options with your wholesaler or Private Client Select contact before marketing. ([theinsurer.com](https://www.theinsurer.com/ti/news/aig-private-client-group-to-stop-writing-admitted-homeowners-in-california/?utm_source=openai)) - Other catastrophe‑exposed states (FL, Gulf Coast, certain Western wildfire zones): capacity exists but is tightly underwritten; pricing, deductibles, and risk‑engineering conditions can be materially stricter than in non‑CAT states. Market commentary notes AIG remains one of several key HNW carriers in these regions. ([mynewmarkets.com](https://www.mynewmarkets.com/listings/719uvd?utm_source=openai)) - Standard or low‑CAT states remain in appetite for high‑value dwellings, but underwriting remains selective around construction, protection, and prior losses. Submission and underwriting expectations (home) - Expect HNW‑level data: detailed construction and coverage information, high‑quality replacement‑cost estimator, prior carrier details, loss runs, and supporting risk‑control documentation. AIG’s broader property appetite guides stress quality of risk information, detailed SOVs, and at least 5 years of loss history for property schedules; similar expectations apply to high‑value homes and multi‑location personal portfolios. ([aig.lu](https://www.aig.lu/content/dam/aig/emea/luxembourg/documents/aesa-appetite-guides/aesa-appetite-guide-property-v2.20240214.pdf.coredownload.pdf?utm_source=openai)) - For large or complex residences (very high Coverage A, historic or highly customized builds, or homes with significant ancillary structures), be prepared for additional underwriting reviews, inspection, and possibly bespoke terms; marketing pieces highlight high deductible options up to $100,000 and customized coverage as tools AIG uses to manage severity and align pricing. ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/pcgcompetitiveadvantages-brochure.pdf?utm_source=openai)) - Multi‑line submissions are strongly preferred: carriers expect to see home bundled with excess liability and often auto and valuables. Submitting monoline home may be acceptable only in narrow circumstances and at underwriter discretion. ([independentagent.com](https://www.independentagent.com/SiteAssets/TFT/Ads/AdDocs/AIGPCG.pdf?utm_source=openai)) - Submission should be routed through appointed HNW personal‑lines brokers/wholesalers or through AIG Private Client Select, which actively promotes new broker appointments for high‑net‑worth personal lines across all 50 states plus DC. ([mynewmarkets.com](https://www.mynewmarkets.com/listings/719uvd?utm_source=openai)) Broker / producer notes - AIG’s Private Client operations for U.S. HNW personal lines have undergone structural changes (including sale/transition of much of the HNW division to Private Client Select while AIG retains an ownership interest). Producers should not assume legacy AIG PCG rules still apply; confirm appetite, state availability, and paper (admitted vs surplus) on each opportunity with your current AIG/Private Client Select contact or wholesaler. ([reddit.com](https://www.reddit.com/r/Insurance/comments/1i3uurn?utm_source=openai)) - Because detailed underwriting manuals are not public, front‑end appetite signals are best taken from: (1) broker‑focused marketing (e.g., threshold Coverage A, multi‑line expectations, coastal capacity messaging), and (2) direct communication with HNW underwriters for borderline geographies, heavy‑CAT exposure, or unusual construction/occupancy. - For California and other stressed states, proactively set expectations with clients that AIG‑related HNW capacity may be unavailable or priced materially higher than prior years, and be ready with alternate HNW carriers (Chubb, PURE, Cincinnati, Nationwide Private Client, etc.) where AIG appetite is constrained. ([harbourinsuranceagency.com](https://harbourinsuranceagency.com/blog/high-net-worth-home-insurance-complete-guide-to-protecting-your-luxury-property/?utm_source=openai)) Practical placement guidance for home - Use AIG/Private Client Select primarily for true HNW accounts with: (a) Coverage A typically ≥ $1M (selectively ≥ $500k in strong profiles), (b) clean loss history or well‑addressed prior losses, (c) strong protections (central‑station fire/security, modern electrical/plumbing/roof or recently updated), and (d) willingness to purchase higher deductibles and bundle multiple lines. - Treat California admitted HO as effectively closed; only pursue AIG‑related options there if your wholesaler or Private Client Select explicitly confirms a current product path. - In other high‑CAT territories, frame quotes around higher wind/CAT deductibles and mitigation requirements; be prepared to provide photos, inspection reports, and mitigation documentation early to avoid late declinations. - Always confirm final appetite, forms, and state availability in the current AIG/Private Client Select broker portal or with your underwriter, as HNW personal lines appetites have been actively changing in the last several years.