What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is Alliance Risk?
Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. 4,5,6
What Is Product Recall Insurance?
Product recall insurance can pay specified costs to locate and withdraw a product after a covered problem. It fits businesses that could face recall logistics; product liability does not automatically pay those costs, so compare the trigger and covered expenses. 8,9,10,11,12
Key Differences in Product Recall Insurance
Who the coverage is aimed at
AIG and Talbot identify component-part manufacturers, consumer-goods and topical-health businesses, and finished-goods supply-chain participants in a multinational market. Alliance Risk separates first-party needs for finished-goods manufacturers from third-party needs for suppliers whose parts enter another company’s product. A component supplier should ask whether the quote follows the component into a customer’s recall; a finished-goods brand should check its own recall costs. 3 7
Scope of documented support
AIG and Talbot describe a multinational service team, local policy and claims handling through network participants, and risk engineering; the specific provider depends on placement and jurisdiction. Alliance Risk instead offers a customized risk assessment through its insurance risk advisors. Buyers comparing these routes should identify who provides engineering or assessment support in their operating countries. 3 7
Recall costs and the policy gap
Alliance Risk says standard general liability exclusion (n) removes recall costs, whether a recall is voluntary or government-mandated, and lists notification, retrieval, disposal, replacement, lost gross profit and crisis consultants as possible recall-policy costs. AIG’s summary sheet places the product in a multinational risk solution but does not specify triggers or covered costs. A buyer needs the AIG local wording to match those expenses against Alliance Risk’s described categories. 3 7
What to Confirm in Product Recall Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsAlliance Risk
Review Score
Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.[1][4][6]
Read Alliance Risk reviewsOffering Details
AIG vs Alliance Risk: Product Recall Insurance: documented features by provider
| Criteria | AIG Multinational and Talbot Product Recall Insurance | Product Recall Insurance |
|---|---|---|
| Role in This Line | The source attributes the product to collaboration between AIG Multinational and Talbot Underwriting. It does not resolve the legal issuing entity for a particular policy, so this draft preserves the collaboration boundary. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Confirm in your quote. |
| Issuing Insurer | Confirm in your quote. | The product recall page does not name a specific insurer or carrier that Alliance Risk places this coverage with; it cites Chubb's published primary-limit and pricing parameters as market benchmarks rather than describing Alliance Risk's own placements. 7Not publicly disclosed. Checked the full dedicated product page as read on 2026-09-23; the only named market participant is Chubb, cited as a third-party published-parameter benchmark, not as a carrier Alliance Risk places with. |
| Who It’s For | The summary sheet identifies component-part manufacturers, consumer-goods and topical/consumer-health businesses, and finished-goods supply-chain participants. It describes a multinational market, not unrestricted U.S. standalone eligibility. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Alliance Risk's product recall page says first-party recall coverage matters most for finished-goods, food and beverage, and consumer-product manufacturers, while third-party recall coverage matters most for component and ingredient suppliers whose parts or materials end up inside a customer's recalled product. 7Company-reported. Dedicated Alliance Risk product page for this line, first-party vs. third-party comparison section. |
| Coverage Features | AIG and Talbot describe Product Recall Insurance within a multinational risk solution. The sheet does not establish a buyer’s recall trigger, covered costs, limits, exclusions or policy issuer for a local placement. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Alliance Risk's page explains that product recall insurance is a separate purchase from general liability, since standard CGL exclusion (n) removes recall costs entirely, whether a recall is voluntary or government-mandated. 7Company-reported. Product page "CGL exclusion (n)" section; describes the coverage type generally, not an Alliance Risk-issued policy, since Alliance Risk is a broker and does not issue policies. Alliance Risk says a well-structured recall policy pays notification costs, retrieval and transportation, storage, destruction and disposal, replacement product, lost gross profit, and crisis-management or PR consultants. 7Company-reported. Product page "What a product recall policy pays for" section; the issued policy and declarations control actual terms, and the list varies by carrier per the same page. |
| Limits and Retentions | The reviewed summary sheet does not specify a standard limit, retention or deductible for a buyer. Confirm the local policy, issuer and terms for the transaction. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Confirm in your quote. |
| Risk Services | The summary sheet describes an integrated multinational service team, local policy and claims handling through network participants, and risk engineering support. The specific service provider depends on the placement and jurisdiction. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Alliance Risk's product recall page offers a customized risk assessment from its insurance risk advisors, booked through the page's consultation link. 7Company-reported. Dedicated product recall page calls to action. |
Full Comparison
More AIG vs Alliance Risk Comparisons
Other Product Recall Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- AIG Multinational Product Recall Summary Sheet. AIG; AIG/Talbot official summary sheet, pages 1–2: names the AIG Multinational and Talbot Underwriting collaboration and Product Recall Insurance for component parts, consumer goods/topical and consumer health, and finished goods; describes global program servicing and policy issuing network caveats. Accessed 2026-09-30.
Alliance Risk
- Technology Insurance. Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Get a Quote. Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
- Product Recall Insurance: Cost, Limits & Exclusion (n). Alliance Risk; Product Recall Insurance: What It Covers, What It Costs, and Who Needs It; CGL exclusion (n); First-party vs. third-party recall coverage; What a product recall policy pays for; Get product recall insurance from Alliance Risk; FAQ. Accessed 2026-09-23.
Product Recall Insurance Guide
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO Properties, Inc.; specimen hosted by Hiscox; Recall exclusion p.5; Supplementary Payments pp.8–9; Section III limits p.10; V.16 and V.21 p.15, warnings/instructions continue p.16. Accessed 2026-09-16.
- Recall Checklist. U.S. Consumer Product Safety Commission; Initiating a Recall (report if obligated; stop production; identify UPC/date codes/model numbers; isolate inventory; notify distribution chain; determine remedy); Recall Notice Documents; After the Public Announcement. Accessed 2026-09-16.
- Duty to Report to CPSC: Rights and Responsibilities of Businesses. U.S. Consumer Product Safety Commission; Immediate reporting triggers for manufacturers, importers, distributors and/or retailers; 24-hour reporting; investigation generally not exceeding 10 working days; reporting does not automatically mean a recall; page disclaimer that it is not legal advice and is not Commission-approved. Accessed 2026-09-16.
