AIG vs Aon: Commercial Crime Insurance

AIG markets crime insurance to commercial and governmental entities; Aon is a global brokerage and advisory service whose professional services practice arranges or advises on crime for law, accounting and consulting firms.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-30

AIG describes a crime product for commercial and governmental entities. Aon lists Crime within its global practice for law, accounting, and consulting firms.

What Are the Key Differences Between AIG and Aon Crime Insurance?

AIG markets crime insurance; Aon advises and arranges crime coverage for professional-services firms.

AIG says its crime insurance can cover losses of money, securities, and other assets due to dishonesty, theft, or fraud, including computer fraud. Aon identifies Crime as a line its Professional Services Practice helps arrange or advise on for law, accounting, and consulting firms, but its cited practice page does not describe covered acts or policy terms. Professional firms should ask Aon for a specific form and carrier before treating the practice listing as defined coverage. [1] [2]

AIG describes a crime product for commercial and governmental entities. Aon lists Crime within its global practice for law, accounting, and consulting firms.

Specialist support and the policy gap [1] [2]

What Should You Confirm in AIG and Aon Crime Insurance Quotes?

  • AIG identifies a dedicated underwriting team and experienced claims professionals for Crime and Fidelity. Aon describes risk-management and human-capital advisory using industry knowledge, data, and tools, rather than a crime-specific claims service. The services serve different purposes: AIG’s page identifies product-side claims personnel, while Aon’s page describes broader advice. Ask who will handle placement and claims, and confirm limits, covered property, and dishonest-act triggers in writing. [1]
  • Ask AIG which claim contacts and policy conditions apply to the quoted crime product. [2]

Crime coverage

AIG

  • role: AIG markets crime insurance as a risk-bearing insurance product for commercial and governmental entities, separate from its financial-institution bond offering. The policy issuer is not named for a particular buyer. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG says its crime insurance is available for commercial and governmental entities. Financial-institution bonds are described separately for banks, non-bank lenders, asset managers and insurance companies. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: AIG describes potential crime coverage for loss of money, securities and other assets from dishonesty, theft or fraud, including computer fraud. AIG links a CrimeGuard Choice sample policy; actual terms and state availability vary. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG identifies a dedicated underwriting team and experienced claims professionals for its Crime and Fidelity business. The page does not promise claim outcomes or specify account-level service terms. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: The reviewed page and linked product overview do not state a standard buyer-specific limit, retention or deductible. Confirm those in the quote and issued policy. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

Aon

  • role: Aon presents Crime as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.company-reportedSource ↗
  • eligibility: Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.company-reportedSource ↗
  • coverage: Aon lists Crime as a coverage area within its professional-services practice. The page does not describe covered dishonest acts, insured property, policy conditions or bond forms. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.company-reportedSource ↗
  • services: Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.company-reportedSource ↗
  • insurer: The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.not-foundSource ↗
  • limits: The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.not-disclosedSource ↗

Sources consulted

  1. 01
    Crime and Fidelity Insurance

    AIG · Official AIG page, lines 242–270 and 353–354: crime-loss examples, commercial/government entity audience, CrimeGuard Choice sample policy/application, and policy/state availability caveat. · accessed 2026-09-30

  2. 02
    Professional Services Practice

    Aon · Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. · accessed 2026-09-30

  3. 03
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  4. 04
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  5. 05
    Crime Terms and Conditions

    The Travelers Companies, Inc. · I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15 · accessed 2026-09-16

  6. 06
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  7. 07
    Commercial Crime Coverage Application

    Travelers Casualty and Surety Company of America · I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3 · accessed 2026-09-16

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