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 business is now marketed through Private Client Select (PCS), which positions the offering for high-net-worth and complex personal risk clients with customized protection and broker-led distribution. For Home, the published materials emphasize bespoke homeowners coverage for unique properties, coordinated family-office style protection, and strong risk-management support rather than a public class-by-class appetite grid. Preferred business appears to be affluent/high-value residences and accounts that benefit from consultation on replacement cost, inspections, resiliency, water damage prevention, wildfire mitigation, and smart-build/course-of-construction support. Public broker-facing guidance also references review of new business accounts, VIP account renewals, course of construction risks, multinational inquiries, insurance-to-value/replacement-cost questions, inspections, and general underwriting strategy, indicating appetite for complex, consultative personal lines accounts. No official public decline list or restricted class list was found on verified carrier pages. No official state-by-state home appetite restrictions were publicly posted in the sources reviewed, but coverage is subject to underwriting review and may not be available in all jurisdictions. PCS states it operates in all U.S. states and DC as a licensed producer, while AIG materials note products/services may not be available in every jurisdiction and some coverages may be surplus lines depending on state and risk. Submission and servicing are broker-centric: brokers are the first point of contact for questions on new or existing accounts; the contact guide directs new business quotes/re-quotes, binders/issuance, endorsements, billing changes, BORs, inspections, and status questions through designated operations and contact-center channels. Producer systems/ePCG/CIP/Producer Business Center provide self-service for quoting, endorsement processing, status tracking, policy docs, billing invoices, auto ID cards, guidelines/product/specimen access, valuation tools, and training. Notable broker notes: underwriting technicians handle renewal prep, valuation and inspection support, and loss-run requests; underwriters handle new business review, VIP renewals, course of construction, multinational inquiries, and coverage strategy; brokers can obtain replacement-cost tools and risk-management resources for wildfire, hurricane, water leak, cybersecurity, and background-screening support. Overall, verified public guidance supports positioning AIG Private Client/PCS Home for complex, high-value personal residential risks needing tailored underwriting and proactive risk management, but detailed eligibility thresholds and declined classes were not publicly published on verified official pages.