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 the Baldwin Group?
Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. 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. 8,9,10
Key Differences in D&O Insurance
Product offer and company situations
AIG describes D&O as available standalone or modular with other management-liability coverages. The Baldwin Group’s practice materials focus on public-company, IPO, and SPAC D&O programs, and its real-estate work names owners, managers, REITs, lenders, and associations. Baldwin discusses brokerage and advisory services rather than identifying itself as the risk-bearing insurer. A company weighing a direct carrier product against specialist program advice should ask who will underwrite the proposed Baldwin placement and whether AIG’s product structure matches its financing or ownership plans. 3 6
Coverage description and benchmarking
AIG describes protection for executive and corporate-governance exposures and links application forms. Baldwin explains common Coverage A, B, and C grants for individuals and the entity, and describes benchmarking and program guidance for public-company and pre-IPO buyers. Those descriptions can inform a discussion, but neither a general explanation nor benchmarking determines the final wording. Ask AIG and any Baldwin-arranged carrier to specify limits, exclusions, and each insured party’s protection in the issued proposal. 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 reviewsThe Baldwin Group
Review Score
The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.[8][1][2][4][9][10]
Read The Baldwin Group reviewsOffering Details
AIG vs The Baldwin Group: D&O Insurance: documented features by provider
| Criteria | AIG Directors & Officers Liability | Baldwin Directors and Officers Liability Brokerage and Advisory |
|---|---|---|
| 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. | The source describes The Baldwin Group’s brokerage or advisory role for Directors and Officers Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. 6,7Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement. |
| Who It’s For | Confirm in your quote. | Baldwin’s management-liability practice discusses public-company, IPO and SPAC D&O programs; its real-estate practice names owners, managers, REITs, lenders and associations. These contexts do not guarantee placement eligibility. 6,7Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. |
| 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. | Baldwin describes D&O insurance as protecting individual directors/officers and the entity against certain alleged management-related losses, and discusses Coverage A, B and C as common policy grants. This is general product education, not a buyer’s policy wording. 6,7Company-reported. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown. |
| Limits and Retentions | Confirm in your quote. | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. 6,7Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources. |
| Risk Services | Confirm in your quote. | Baldwin describes management-liability advice, D&O benchmarking and program guidance, including public-company and pre-IPO contexts. Benchmarking is not a coverage term or quote. 6,7Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established. |
| 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 The Baldwin Group 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.
The Baldwin Group
- The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025. U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28. Accessed 2026-09-28.
- Business Insurance. The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28. Accessed 2026-09-28.
- Commercial Real Estate Insurance & Risk Management. The Baldwin Group; “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29. Accessed 2026-09-30.
- Directors & Officers Liability Insurance. The Baldwin Group; D&O report and advisory team lines 23–32; Nasdaq collaboration with public-company/IPO/SPAC scope lines 38–44; accessed 2026-09-29. 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.
