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
Carrier/Program: AIG Premier Client Services (AIG Private Client Group / Premier Client Solutions – high‑net‑worth personal lines). Preferred / target homeowners business - High‑net‑worth accounts with substantial asset base and multi‑line potential (home, auto, excess, collections, yacht, etc.). Average PCG profile cited by AIG marketing: home replacement cost around low‑ to mid‑seven figures, multiple vehicles and policies written on an account‑centric basis. - Primary and secondary luxury homes with high replacement cost values, quality construction, and good maintenance; appetite for custom and historic homes provided adequate valuations and risk mitigation are in place. - Clients willing to implement risk management recommendations (alarms, water‑leak detection, wildfire mitigation, etc.) – PCG positions itself as a risk‑management‑driven carrier rather than price‑only. ([aigprivateclient.com](https://www.aigprivateclient.com/index.html?utm_source=openai)) Restricted or declined classes (home) - Catastrophe‑exposed property is heavily managed. AIG Private Client Group has exited admitted homeowners in California and continues to retrench in certain personal lines segments due to wildfire and other CAT losses; appetite in high‑hazard zones (wildfire, hurricane, coastal flood/surge) is constrained and often requires surplus lines or alternative structures, if available at all. ([theinsurer.com](https://www.theinsurer.com/ti/news/aig-private-client-group-to-stop-writing-admitted-homeowners-in-california/?utm_source=openai)) - Expect tight controls or declinations for: - Homes with prior significant or frequent losses, unrepaired damage, or unacceptable roof condition. - High‑hazard wildfire interfaces without defensible space or mitigation. - Unprotected or poorly protected rural risks (ISO PPC 9–10) without modern fire protections. - Properties used primarily for short‑term rental, room‑sharing or hotel‑like occupancy. - Commercial farm operations on premises where there is no separate commercial policy (PCG materials indicate they will only "underwrite around" certain personal‑farm / equine exposures when commercial coverage is in place). ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/specialized-equipment-coverage.pdf?utm_source=openai)) - In some states and CAT‑prone coastal areas, homeowners may only be available on a non‑admitted/surplus lines basis through AIG‑affiliated entities or may not be available at all depending on current moratoria and rate‑filing constraints (check local AIG state bulletins or your PCG business development manager). Geographic notes - National footprint for high‑net‑worth personal lines, but with state‑specific restrictions: - California: PCG has stopped writing admitted homeowners; any remaining options are highly selective, and producers should assume new admitted HO capacity is not available unless specifically confirmed with underwriting. ([theinsurer.com](https://www.theinsurer.com/ti/news/aig-private-client-group-to-stop-writing-admitted-homeowners-in-california/?utm_source=openai)) - Other CAT‑exposed states (FL, Gulf Coast, certain Atlantic coastal counties, and high‑wildfire Western states) subject to frequent pricing and appetite changes; AIG issues producer communications and state‑specific rate/bulletin PDFs (e.g., FL homeowners rate change notices) – always confirm current stance before marketing. ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/homeowners-rate-change-fl-mar-final.pdf?elqTrackId=CECB1E02BBE38BE87819A0A6584F711A&elqaid=10068&elqat=2&utm_source=openai)) - Online and phone billing support is available only for continental US billing addresses; policies serviced from regional billing/lockbox centers (Newark NJ and Pasadena CA) but this does not change underwriting appetite. ([aig.com](https://www.aig.com/home/risk-solutions/individual/premier-client-solutions/make-a-payment?utm_source=openai)) Submission & underwriting requirements (operational) - Distribution: AIG PCG writes through a select network of independent high‑net‑worth agents/brokers; direct access is not offered to consumers. Producers must be appointed. ([aigprivateclient.com](https://www.aigprivateclient.com/index.html?utm_source=openai)) - Account focus: PCG strongly prefers multi‑line submissions and often expects at least two lines (e.g., home + auto or home + excess). Marketing and producer materials emphasize holistic, account‑centric underwriting and risk‑management engagement rather than monoline homeowners, except for select situations. ([independentagent.com](https://www.independentagent.com/SiteAssets/TFT/Ads/AdDocs/AIGPCG.pdf?utm_source=openai)) - Typical home submission package (varies by region but generally includes): - Full replacement‑cost details (square footage, year built/renovated, construction type, custom features, specialty finishes). - Location specifics (distance to coast, brush, fire station/hydrant, elevation, wildfire and flood characteristics). - Prior carrier, 5‑year loss history and any open claims. - Details on any commercial or farm/equine activity on premises. - For larger or more complex estates, appraisal data, inspection reports, and risk‑engineering recommendations. - Underwriter is primary technical contact for: - New‑business account review, complex or VIP renewals, course‑of‑construction risks, multinational aspects, and coverage/inspection questions. - Underwriting technicians support with renewals, replacement‑cost reviews, revaluation requests, inspections, and loss‑run requests. - Operations and contact‑center teams handle quoting, binders, issuance, endorsements, billing, DMV, and book transfers. Dedicated email addresses exist by zone for new‑business quotes, binders, endorsements, and BORs (e.g., czquotes.pcg@aig.com, czbinder.pcg@aig.com); similar structures apply in other zones. ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/cz-broker-contact-reference-guide.pdf?elqTrackId=911E9122050CC58BAF7AE52317BEEE2F&elqaid=8980&elqat=2&utm_source=openai)) Broker / producer notes - Access is limited to selected HNW agencies; AIG explicitly states it "works with a select group of the finest independent insurance agents and brokers" for PCG business. ([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)) - Producers are expected to: - Package accounts (home, auto, excess, collections, yacht, etc.) and position them as long‑term relationships rather than transactional placements. - Engage with Platinum Account Management for very large accounts (typically $250,000+ in annual premium) to coordinate valuations, loss‑prevention plans, and claims facilitation for complex households. ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/platinum-account-management-overview-brochure.pdf?utm_source=openai)) - Use the Producer Business Center / ePCG portal and regional operations inboxes for quotes, endorsements, and policy‑servicing requests, and route general service/billing questions through the contact‑center/billing lines provided in PCG contact guides. - Communications: PCG issues periodic producer bulletins and state‑specific rate or appetite change notices (e.g., Florida homeowners rate change PDFs). These documents should be treated as current rule‑sets for pricing and eligibility and referenced before quoting in impacted states. ([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/homeowners-rate-change-fl-mar-final.pdf?elqTrackId=CECB1E02BBE38BE87819A0A6584F711A&elqaid=10068&elqat=2&utm_source=openai)) Working summary Operationally, treat AIG Premier Client Services / PCG as a selective high‑net‑worth homeowner market best used for well‑maintained, higher‑value properties placed as part of multi‑line accounts, with tight controls around CAT‑exposed and specialty risks and state‑by‑state capacity constraints—especially in California and other CAT‑heavy regions. Ensure submissions are complete, emphasize total‑account opportunity, and route all placement and service activity through the designated PCG producer portals and zone‑specific contact channels.