AIG vs 
Amelia Risk: How Do They Compare for Employment Practices Liability Insurance?
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 Amelia Risk?
Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. 4,5,6
Read the Amelia Risk Employment Practices Liability Insurance page
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 12,13,14
Key Differences in Employment Practices Liability Insurance
Company stage and buying timing
AIG presents Employment Edge for employers and lists EPL applications for private companies, nonprofits, and financial institutions, without publishing a complete eligibility schedule. Amelia Risk places EPL for startups, technology, CPG, and consumer-product companies and recommends that employers consider coverage around five to ten employees as hiring grows; it says California and New York employers should consider buying earlier in that range. A founder can use Amelia’s headcount marker as a planning prompt, then compare insurer appetite and terms with AIG’s application route. 3 7
Claim categories and policy wording
AIG describes claims involving discrimination, harassment, and wrongful retaliation. Amelia Risk lists sexual harassment, wrongful termination, failure to hire or promote, discrimination, and hostile-work-environment allegations as common EPL claims, and arranges coverage rather than underwriting directly. These descriptions overlap but do not establish identical grants. Ask each placement to show definitions, limits, retentions, and exclusions for the employment decisions relevant to your workforce. 3 7
What to Confirm in Employment Practices Liability 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 reviewsAmelia Risk
Review Score
1 rated source
Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.[7]
Read Amelia Risk reviewsOffering Details
AIG vs Amelia Risk: Employment Practices Liability Insurance: documented features by provider
| Criteria | AIG Employment Practices Liability Insurance | Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage |
|---|---|---|
| Role in This Line | AIG markets Employment Edge and employment-practices liability options within its Financial Lines portfolio. A particular quote may use a standalone or package form; confirm the named insurer and form. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Amelia Risk arranges EPL coverage for clients, describing and structuring the policy to protect the employer entity against employment-related claims, rather than underwriting it directly. 7Company-reported. EPL product page as of 23 September 2026. Does not establish who issues a particular client's policy. |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name an insurer for EPL placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to EPL specifically. 7Not publicly disclosed. EPL product page, checked 23 September 2026. |
| Who It’s For | AIG presents Employment Edge for employers and also lists EPL applications for private companies, nonprofits and financial institutions. The public page does not state a complete eligibility or jurisdiction schedule. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. 8,9,10,11Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk recommends buying EPL once a company reaches roughly five to ten employees and is hiring more, and advises employers in California and New York to buy earlier in that range because those states are more litigious for employment claims. 7Company-reported. EPL product page timing guidance as of 23 September 2026; a general recommendation, not a stated coverage requirement. |
| Coverage Features | AIG describes protection against specified employment-practices claims, including discrimination, harassment and wrongful-retaliation allegations. The cited page’s examples are not a grant of buyer-specific policy coverage. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Amelia describes the EPL policy as protecting the employer against common claims including sexual harassment, wrongful termination, failure to promote or hire, discrimination, and hostile-work-environment claims. 7Company-reported. EPL product page description; the actual policy wording, defenses, and exclusions depend on the issuing insurer and the client's declarations. |
| Limits and Retentions | No buyer-specific limit, retention or deductible can be determined from the public overview. Confirm those values and any sublimits in the quote and issued policy. 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 | AIG describes underwriting, claims and risk-management expertise for employment-practices exposures. Its product resources include applications and loss-prevention material; account-specific service is not specified. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | The reviewed EPL page doesn't describe HR-related risk-control services, such as handbook or policy review, specific to EPL policyholders beyond the coverage description itself. 7Not found in reviewed sources. EPL product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them. |
| Claims Support | Confirm in your quote. | The reviewed EPL page does not describe a claims-handling process specific to employment-practices claims. 7Not found in reviewed sources. EPL product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not EPL-specific. |
Full Comparison
More AIG vs Amelia Risk Comparisons
Other Employment Practices Liability 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.
- Employment Practices Liability Insurance. AIG; Official AIG Employment Practices Liability page: Employment Edge product, covered employment-claim categories, employer audience, policy options, risk-management and claims services; see its linked forms and policy caveat. Accessed 2026-09-30.
Amelia Risk
- Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
- Our Specialties. Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
- About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
- Employment Practices Liability (EPL). Amelia Risk Insurance Brokers; What's covered by an Employment Practices Liability (EPL) Policy?; When should a company buy an Employment Practices Liability (EPL) Policy? Accessed 2026-09-23.
- Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
- Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
- Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
- Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
