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 Aon?
Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. 4,5
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 7,8,9
Key Differences in D&O Insurance
Product structure and policy parts
AIG offers D&O either as standalone insurance or modularly with other management-liability coverages. Aon acts as broker and explains Side A protection when a company cannot indemnify an individual, Side B reimbursement when it does, and Side C entity coverage, with public- and private-company differences. This makes Aon’s page useful for discussing program architecture, while AIG’s page describes a carrier product route. Ask AIG which parts appear in its form and ask Aon how it would arrange those protections for your company. 3 6
Eligibility and program support
AIG links Management and Professional Liability application forms and national product contacts. Aon describes its D&O brokerage audience as public and private companies, but does not publish an underwriting eligibility schedule or name the insurer for a specific placement. Aon also says its brokerage and claims teams collaborate on negotiations and uses insurer-selection analytics and a D&O Risk Analyzer. Buyers should treat that as advisory support, then verify the selected insurer, application requirements, and issued terms. 3 6
What to Confirm in D&O 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 reviewsAon
Review Score
3 rated sources
Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.[4][6][7]
Read Aon reviewsOffering Details
AIG vs Aon: D&O Insurance: documented features by provider
| Criteria | AIG Directors & Officers Liability | Aon Directors and Officers Liability brokerage and risk-advisory offering |
|---|---|---|
| Role in This Line | AIG offers D&O standalone or modular with other management-liability coverages. 3Company-reported. AIG management-liability portfolio. Claim limitation: Combination availability can vary by account and jurisdiction. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Aon markets D&O broking and advisory services, including insurer selection and program design. It does not issue the described coverage or name the carrier for a buyer’s placement. 6Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. 6Not found in reviewed sources. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available. |
| Who It’s For | Confirm in your quote. | Aon describes D&O services for public and private companies and discusses executives, directors, managers and board members. This is a target-audience description, not an underwriting eligibility schedule. 6Company-reported. Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state. |
| Coverage Features | AIG describes D&O protection for executive and corporate-governance exposures. 3Company-reported. AIG management liability product page. Claim limitation: Policy terms and coverage triggers control; no policy form reviewed here. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Aon explains D&O policies generally through Side A individual protection when company indemnity is unavailable, Side B reimbursement when the company indemnifies a director or officer, and Side C entity coverage, with different descriptions for public and private companies. It notes exclusions can apply; an issued policy determines the actual scope. 6Company-reported. Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. 6Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed. |
| Risk Services | Confirm in your quote. | Aon says its brokerage and claims teams collaborate on coverage negotiations and describes insurer-selection analytics and a D&O Risk Analyzer. Those are broker services, not an insurer claim decision or guarantee. 6Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated. |
| How to Apply | AIG links to application forms for its Management and Professional Liability products and provides contact information for its national product and distribution teams. 3Company-reported. The Forms and Applications and national product/distribution contact sections on AIG’s US D&O product page. Claim limitation: The page supports form access and team contact information. It does not establish that application or placement must be routed through a broker, whether buyers or brokers submit a form, or any online quote/bind path. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Confirm in your quote. |
Full Comparison
More AIG vs Aon Comparisons
Other D&O 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.
- Directors & Officers (D&O) Liability Insurance | AIG US. AIG US; D&O product overview; modular coverage; Forms and Applications; Brokers: Meet Your AIG Team, lines 311–320. Accessed 2026-09-28.
Aon
- Commercial Risk Solutions U.S. Brokerage Terms of Service. Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed. Accessed 2026-09-29.
- Middle Market Clients. Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page. Accessed 2026-09-29.
- Directors’ and Officers’ (D&O) Liability Insurance. Aon; D&O audience and coverage explanation, lines 123–160; insurer-selection, brokerage and claims collaboration, analytics and industry specialization, lines 171–189; contact link at top. Accessed 2026-09-30.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
