What Are the Key Differences Between AIG and Heffernan Insurance Brokers Cargo and Transit Insurance?
Brokered Cargo and a Specialist Program
AIG lists importers, exporters, manufacturers, wholesalers, and distributors with cargo moving internationally. Heffernan’s specialty marine cargo program focuses on freight forwarders, customs brokers, import/export operators, and household-goods movers; it says the program has in-house underwriting authority. That is a more defined logistics audience than AIG’s broader shipper list, so ask Heffernan whether your organization fits the program and who carries the paper. [1] [4]
Claims Authority and Shipment Tools
AIG lists marine claims support and route or security consultations. Heffernan says its dedicated claims division can adjust and settle claims and issue payments directly, and it offers online declaration and claim-reporting tools. These program-specific functions may change day-to-day operations; confirm whether the tools and claims authority apply to your proposed cargo class and which claims remain with a carrier. [1] [4]
What Should You Confirm in AIG and Heffernan Insurance Brokers Cargo and Transit Insurance Quotes?
- Ask Heffernan whether your logistics operation fits its specialty program and which underwriting entity and carrier will appear on the policy. [1] [4]
- Ask how its direct claims authority applies to your cargo class and whether declaration tools support your shipment volume. [1] [4]
- Ask AIG who handles claims under the quoted policy and what route-security services can be scheduled. [1] [4]