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
No current, carrier-published U.S. producer/underwriting appetite guide for AIG Private Client Group (PCG) homeowners is publicly available. Public materials and litigation exhibits confirm PCG as a high‑net‑worth personal lines market with tight catastrophe management and evolving state participation, but do not provide a granular, official appetite grid. Operational guidance based on what is currently visible: 1. Preferred / target business (inferred from PCG positioning and capabilities materials) - High‑net‑worth and ultra‑high‑net‑worth personal lines clients with large, high‑value primary and secondary residences; PCG is marketed specifically as a premium/high‑net‑worth solution, not a standard personal lines market. - Custom or luxury homes, often with multiple residences, substantial contents, and complex lifestyle exposures (significant personal liability, domestic staff, collections, luxury autos, yachts).([aigprivateclient.com](https://www.aigprivateclient.com/index.html?utm_source=openai)) - Risks placed through experienced high‑net‑worth personal lines brokers/wholesalers rather than direct; relationship‑based underwriting and risk management are emphasized. 2. Restricted / declined business and recent strategic shifts - Admitted homeowners in California: trade press reported that AIG Private Client Group ceased offering admitted homeowners and other admitted personal insurance solutions in California in response to cat losses and wildfire exposure. This implies severely restricted or unavailable admitted homeowners capacity in CA; any remaining offerings would likely be non‑admitted/surplus or legacy only and subject to very tight underwriting.([theinsurer.com](https://www.theinsurer.com/ti/news/aig-private-client-group-to-stop-writing-admitted-homeowners-in-california/?utm_source=openai)) - Broader personal lines retrenchment: industry commentary since 2021 describes AIG PCG reducing or exiting portions of its personal insurance portfolio and exploring divestiture/spin‑off options for private client homeowners books. Practically, expect shrinking state appetites, higher pricing, tighter cat guidelines, and closer portfolio management on new and renewal home business, particularly in cat‑exposed states.([shepardinsgrp.com](https://www.shepardinsgrp.com/blog/aig-private-client-group-continues-its-personal-insurance-exit/?utm_source=openai)) - Concentration and large‑TIV risks: as a high‑net‑worth carrier, PCG is oriented to large TIVs but is reported to manage concentration risk in high‑hazard zones (wildfire, hurricane, coastal wind, flood). Expect non‑standard requirements (mitigation, limits, deductibles, layered programs or shared placements) as values increase or aggregation issues arise.([pitchgrade.com](https://pitchgrade.com/research/aig-ai-margin-pressure?utm_source=openai)) 3. Geographic notes (U.S.) - National presence historically, but with tightening appetite in catastrophe‑exposed states. - California: admitted homeowners solutions have been withdrawn; any PCG participation in CA homeowners should be treated as extremely restricted, likely via non‑admitted paper or legacy policies, subject to case‑by‑case underwriting and potential non‑renewal as portfolios are re‑balanced.([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, coastal Gulf/Atlantic, high‑wildfire Western states): no direct written appetite grids are published, but based on PCG’s role as a high‑net‑worth market and AIG’s overall cat‑management stance, expect: - Elevated minimum deductibles for wind/hail/hurricane or wildfire. - Strong preference for robust mitigation (hardened roofs, cleared defensible space, modern electrical, monitored alarms, secondary water shut‑off, wildfire/flood mitigation where relevant). - Possible caps on TIV per location/ZIP or per county, and reduced interest in new business where AIG has high existing aggregation. 4. Underwriting focus and risk management themes (homeowners) - Detailed, individualized underwriting with emphasis on: - Construction type, year built/updates, and protective devices. - Geographic perils (wildfire, windstorm, flood) and security measures. - Lifestyle‑driven liability exposure (domestic employees, social events, recreational exposures, international travel, etc.). - PCG marketing stresses comprehensive coverage plus loss‑prevention and security services, including high personal liability limits and extended additional‑living‑expense support for displaced clients, signaling an expectation that insureds will participate in active risk‑management programs and may undergo site visits or inspections for larger schedules.([mnahost.com](https://www.mnahost.com/singapore/AIG/2016/16QAIG002-AIG-PCG-Campaign/landing-page/images/Trend-Alert-DARK-FA-4.pdf?utm_source=openai)) 5. Submission expectations (inferred – no public checklist) Given the absence of a public U.S. appetite or producer guide, treat new PCG home submissions as bespoke, with the following likely minimum expectations: - Placement via appointed high‑net‑worth broker/wholesaler familiar with PCG. - Full, high‑quality application including: - Detailed dwelling characteristics, TIV breakdown, and recent appraisals or valuations for high‑value homes and contents. - Prior carrier, prior losses (5 years+ for large accounts), and explanation of any large or cat losses. - Risk‑control information: mitigation features, alarms, water‑leak detection, wildfire/flood protections, security systems, and any risk‑management services already in place. - For very large or complex schedules (multiple homes, very high TIV, significant collections), expect underwriter interaction, possible inspections, and coordination with PCG risk‑consulting resources before final terms. 6. Broker / producer notes - PCG does not publish an open broker appetite guide for U.S. personal lines; access generally requires appointment or wholesaler relationships. - Producers should anticipate: - Reduced or changing appetite in certain states and for admitted personal lines, especially in CA; early underwriting engagement is essential before marketing a PCG option to clients. - Ongoing portfolio management: AIG has been actively restructuring personal lines and PCG books, which can translate into tighter renewal scrutiny, non‑renewals in stressed zones, and more selective new‑business underwriting. Because no official, current, U.S. PCG homeowners underwriting or appetite guide is public, all operational guidance above is necessarily high‑level and should be validated directly with your PCG underwriter or marketing contact for state‑ and account‑specific rules.