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 Beazley?
Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. 4,5,6,7
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. 9,10,11
Key Differences in D&O Insurance
Published Policy Design Detail
AIG's cited US page describes D&O as standalone or modular within its management-liability offering. Beazley's private-company D&O page is more specific about two claim-payment structures: duty to defend or pay on behalf, and says it pays 100% of defense costs for covered loss. That gives a buyer a concrete wording question for Beazley; it does not establish that AIG lacks either structure, only that the reviewed AIG offering record does not describe one. 3 8
Additional Side A and Advertised Capacity
Beazley also advertises a dedicated excess Side A limit and private-company D&O capacity up to US $20 million, subject to underwriting. AIG's available claims describe its portfolio arrangement and application resources but provide no comparable D&O limit or retention figure. Treat Beazley's maximum as advertised capacity, not a quote, and request matched limits and retentions from both before weighing this difference. 8 3
What to Confirm in D&O Insurance Quotes
Ask Beazley whether the proposal uses duty-to-defend or pay-on-behalf wording, what counts as covered loss, and whether excess Side A is available for the risk. Ask AIG which claims structure and Side A options its specific quote offers. For both, verify the issuing legal entity, policy form, retention and any sublimits on the declarations; the reviewed records do not show an equivalent AIG limit for a like-for-like comparison. 8 3
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 reviewsBeazley
Review Score
1 rated source
Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]
Read Beazley reviewsOffering Details
AIG vs Beazley D&O Insurance: documented features by provider
| Criteria | AIG Directors & Officers Liability | Beazley D&O – Private Companies |
|---|---|---|
| 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. | Beazley underwrites private-company directors and officers (D&O) liability itself, offered as a standalone product on its D&O - Private Companies page and bundled with employment practices and fiduciary liability coverage in its ExecuGuard package policy. 8,6Company-reported. US private-company D&O as described on the two reviewed product pages; does not establish which entity issues a particular policy. |
| Issuing Insurer | Confirm in your quote. | Neither the D&O - Private Companies page nor the ExecuGuard page names the specific Beazley insurance entity that issues the policy; ExecuGuard states both admitted and non-admitted versions are available, so the issuing carrier depends on the policy placed. 8,6Not found in reviewed sources. Both product pages as read on 2026-09-23; the issued policy's declarations control the actual insurer. |
| Who It’s For | Confirm in your quote. | The D&O page targets privately held companies of all sizes facing litigation such as employment allegations, fraud and misrepresentation claims, without a stated employee-count or revenue threshold on that page. 8,6Company-reported. Private-company D&O only; ExecuGuard buyers can additionally choose to share limits across D&O, EPL and fiduciary coverages. |
| 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. | The D&O product lets the policyholder choose between a "duty to defend" or "pay on behalf" claim-handling structure, and Beazley says it pays 100% of defense costs for covered loss. 8Company-reported. D&O - Private Companies product page; actual defense obligations and cost-sharing are set by the issued policy. Beazley offers a dedicated additional Excess Side A limit for individual directors and officers, plus an optional employed-lawyers errors-and-omissions extension. 8Company-reported. D&O - Private Companies product page; availability and pricing of the extension depend on underwriting. |
| Limits and Retentions | Confirm in your quote. | Beazley advertises private-company D&O limits up to US $20 million, on either an admitted or non-admitted (surplus lines) basis; actual limits and retentions are set by underwriting and appear on the declarations. 8,6Company-reported. Advertised maximum capacity, not a guaranteed quote amount. |
| Risk Services | Confirm in your quote. | D&O policyholders get pre-approved choice-of-counsel flexibility, and law-firm insureds can access a bespoke executive-risk wording through Beazley's related Practice Protect product. 8Company-reported. D&O - Private Companies product page; scope and terms of the Practice Protect wording were not independently reviewed. |
| 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. | Beazley lists a downloadable EPL renewal application as a tool on the D&O page and names regional Executive Risk underwriters and brokers as contacts, but the reviewed page does not describe a self-service online quoting flow for new D&O business. 8Company-reported. D&O - Private Companies product page as read on 2026-09-23; buyers typically work through a broker or underwriter contact. |
| Claims Support | Confirm in your quote. | Beazley illustrates its D&O claims approach with a securities class-action and shareholder derivative-action scenario in which its claims team worked with the insured's defense counsel toward a dismissal, avoiding a settlement; this is a single company-reported example, not audited claims-outcome data. 6Company-reported. ExecuGuard page scenario section; outcome statistics are not independently verified. |
Full Comparison
More AIG vs Beazley 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.
Beazley
- MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available; Examples or Scenarios: California securities class action/derivative action. Accessed 2026-09-23.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- D&O - Private Companies. Beazley; What we offer; How can we help: duty to defend/pay on behalf, 100% defense for covered loss, Excess Side A limit, private placement coverage, Practice Protect for lawyers; Up to US $20,000,000; Tools & Resources: EPL_RenewalApp. Accessed 2026-09-23.
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.
