EPLI appetite
Strong fit for established middle-market and larger employers, multi-state footprints, and accounts that need higher limits or schedule complexity. Less oriented to the smallest micro-businesses, which our instant program serves better.
Middle-marketLarge / nationalMulti-stateHigher limitsPublic & private
What they write
EPLI
Standalone or part of a management-liability suite.
Management liability
D&O, fiduciary, and employment practices combined.
Third-party coverage
Claims by customers and vendors, not just employees.
Global programs
Capacity for multinational and complex structures.
Why we place EPLI here
When a risk is too large, too complex, or too spread-out for an instant program, AIG gives us real capacity and a claims operation that has seen every kind of employment dispute. We bring it to the table for accounts that have outgrown small-business paper.
Common questions
Does AIG write small businesses?
AIG can, but its sweet spot is established mid-market and larger employers. For very small CA businesses our instant IIABCal / Tokio Marine HCC program is usually faster and more competitive — we will tell you which fits.
Is AIG financially strong?
AIG’s property/casualty companies carry an A (Excellent) AM Best rating; in November 2025 AM Best revised the outlook to positive. We confirm the current rating of the issuing company on every placement.
Sources · AM Best A (Excellent), affirmed Nov 2025 · outlook positive
Financial-strength ratings are AM Best opinions current as of the date shown and are not a guarantee of coverage or claims-paying ability. We confirm the issuing company and its current rating on every placement.