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
What Is Technology Errors and Omissions (E&O) Insurance?
Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. 10,11,12,13,14,15,16
What Are the Key Differences Between AIG and Amelia Risk Tech E&O Insurance?
Covered work and the buyer’s trigger
AIG describes claims alleging errors or omissions while performing technology services, including third-party economic-loss allegations. Amelia Risk explains the exposure as a product or service failing and causing a client or user financial loss, and says companies should consider this cover once people use their technology, including beta users. That distinction helps a buyer connect the policy discussion to both service delivery and product adoption; the wording and trigger still need confirmation in the quote. 3 7
Who handles placement
AIG markets the coverage for technology service providers, while Amelia Risk says it is a brokerage that gathers company information, approaches insurers, and reviews quotes with the client. Amelia Risk also says it advocates for clients during claims but gives no Tech E&O-specific claims procedure. Buyers should identify the carrier and claims contact before choosing a brokerage route. 3 9
What Should You Confirm in AIG and Amelia Risk Tech E&O Insurance Quotes?
AIG and Amelia Risk Review Scores for 2026
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
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
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 reviewsAIG vs Amelia Risk Tech E&O Insurance Compared
AIG vs Amelia Risk: Tech E&O Insurance: documented features by provider
| Criteria | AIG Technology Services E&O | Technology Errors and Omissions |
|---|---|---|
| Role in This Line | AIG markets Technology Services E&O as coverage for technology service providers. AIG is the marketing name; its legal footer says products are written or provided by subsidiaries or affiliates and does not identify the issuer for an individual policy. 3Company-reported. AIG’s U.S. Professional Liability page’s distinct Technology Services description. This is not a named policy form or issuer assignment. | Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. 9,7Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy. |
| Issuing Insurer | Confirm in your quote. | The dedicated Tech E&O page does not name an issuing insurer, wholesale market or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the actual carrier for a Tech E&O placement depends on underwriting. 7,5Not publicly disclosed. Dedicated Tech E&O page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists. |
| Who It’s For | AIG identifies technology service providers as the target audience for this offering. It does not publish a complete eligible-occupation list or state-by-state appetite on the reviewed page. 3Company-reported. Target audience stated in AIG’s Technology Services section; applicant eligibility remains underwriting-specific. | Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. 7Company-reported. Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule. Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. 8Company-reported. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold. |
| Coverage Features | AIG describes coverage for claims alleging errors or omissions in the performance of technology services, including third-party economic-loss allegations. The marketing description does not establish that a specific claim is covered; policy definitions, exclusions and conditions control. 3Company-reported. AIG’s marketing description of Technology Services E&O; no policy form or endorsement was reviewed. | Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. 7Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions. |
| Limits and Retentions | The reviewed page does not state standard limits, retentions or deductibles for Technology Services E&O. Confirm them in the quote and issued policy. 3Not publicly disclosed. AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed. | Confirm in your quote. |
| Risk Services | AIG says its professional-liability claims team includes in-house professionals and third-party experts, collaborates with clients during claims, and uses claims data to help evaluate and mitigate loss. These are general company-reported professional-liability services, not a guaranteed outcome for a technology E&O claim. 3Company-reported. AIG Professional Liability page claims description; technology-specific service standards are not stated. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. 5Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form. |
| Claims Support | Confirm in your quote. | Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. 5Company-reported. Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service. |
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Sources for AIG vs Amelia Risk Tech E&O Insurance
Sources About 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.
- Professional Liability Insurance. AIG US; Technology Services description, lines 335–339; claims expertise lines 273–279; broker contact lines 385–389; legal footer policy-language caveat lines 485–489. Accessed 2026-09-30.
Sources About 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; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
- 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.
- Technology Errors and Omissions. Amelia Risk Insurance Brokers; What's covered by a Technology Errors & Omissions Policy?; When should a company buy a Technology Errors & Omissions Policy? Accessed 2026-09-23.
- Insurance For Technology Companies. Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: Tech E&O. Accessed 2026-09-16.
- Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella. Accessed 2026-09-23.
Sources for the Tech E&O Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
- Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
- Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
- Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
- DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
- Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
- Cyber Risk for Technology Companies. Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.
