INSURANCE CARRIER
AIG Private Client Insurance
Private Client Group coverage for ultra-high-net-worth families in North Atlanta.
Personal Lines - Georgia
- File a claim 1-888-760-9195 · 24/7 phone
- Online Account & claims portal
- After hoursAIG Private Client: 1-888-760-9195 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
AIG Private Client Group provides high-net-worth personal lines coverage. They compete with Chubb for estate-level homeowners, writing guaranteed replacement cost, agreed value personal property, and concierge claims service. AIG writes homeowners, auto, collector auto, and umbrella for high-net-worth clients where Chubb may not be the right fit. Available through Olive Cover to place coverage in Georgia.
Strengths
What This Carrier Does Well
Guaranteed replacement cost on qualifying homes with no dollar cap
High-limit umbrella and excess liability (to $100M) for complex liability exposures
Private Client risk management services including home inventory, appraisal coordination, and loss prevention consultation
Limitations to Know
Where They Fall Short
Minimum home value and net worth thresholds exclude most mid-market Georgia homeowners
Premium pricing; AIG assumes coverage breadth and service justify rate, which is true for the right client
Limited appetite outside the high-net-worth segment
Right Fit
Who They Are Best For
Best Fit For
Georgia families with home values $1M+, complex liability exposures, private aviation or yacht ownership, business ownership requiring personal excess coverage
Not a Good Fit For
Homeowners with properties under $750,000 or families without complex liability needs. AIG's minimum thresholds and premium structure are designed for ultra-high-net-worth clients.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines - Georgia
- Coverage Types
- Private Client homeowners, high-value auto, yacht, jewelry and fine art, personal excess liability, kidnap/ransom
- States Available
- Georgia and most US states through Private Client Group
- Personal Lines States
- GA and most US states through Private Client Group
Pricing & Claims
What to Expect
Best Pricing For
AIG is not price-competitive for standard homeowners. The right choice when guaranteed replacement cost, agreed value personal property, and concierge claims service justify the premium for estates and high-value collections.
Pricing Context
Premium pricing reflecting coverage depth and service model. Not a price-competitive option relative to standard market carriers.
Claims Experience
Specialized Private Client adjusters with high-net-worth claim experience. Larger losses often involve specialty adjusters for art, jewelry, or complex structural damage. Service level is calibrated to the client tier.
Admitted Status: Admitted in Georgia. Licensed and regulated by the Georgia Department of Insurance. Policies are backed by state guaranty fund protections up to applicable limits.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
When do we use AIG for Georgia personal insurance?
AIG Private Client Group is the high-net-worth personal lines division of AIG.