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 General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 9,10,11
Key Differences in General Liability Insurance
Environmental Eligibility and Trigger
Beazley presents general liability as one component of BeazleyOne Environmental for engineering, consulting, project-management and remediation firms. It says the GL component may use an occurrence or claims-made trigger, subject to underwriting. AIG instead lists general liability across selected specialty programs for audiences that include dental, towing and leisure operations. An environmental contractor should verify eligibility and choose the trigger expressly in the Beazley quote, while another industry should ask AIG which program fits. 3 8
Contract Terms and Claims Support
Beazley says its package extends contractual liability under written insured contracts and automatically adds a client as additional insured when an agreement requires it; it also describes dedicated claims managers. AIG describes program-administrator claims teams but does not publish buyer-specific endorsements. Contractors should submit the contract and confirm the additional-insured wording with each proposed policy. 3 8
What to Confirm in General 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 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: General Liability Insurance: documented features by provider
| Criteria | AIG General Liability Within Named Programs | BeazleyOne Environmental Package Policy — Commercial General Liability |
|---|---|---|
| Role in This Line | This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | On the reviewed page, Beazley's general liability coverage is one component of BeazleyOne Environmental, a package policy for environmental-service firms; the page does not present it as a standalone GL product for other industries. 8Company-reported. BeazleyOne Environmental product page; does not establish a general-purpose Beazley GL offering outside this package. |
| Issuing Insurer | Confirm in your quote. | The product page does not name the specific Beazley entity that issues the GL coverage within this package. The insurer named on an actual quote or policy controls. 8Not publicly disclosed. Environmental package product page as read on 2026-09-23; no issuing-entity disclosure found there. |
| Who It’s For | AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Beazley limits this package, including its GL component, to engineering, consulting, project management, and contracting or remediation firms that provide environmental services. 8Company-reported. Who we can help section of the environmental package page; other business types are not addressed. |
| Coverage Features | The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Beazley describes the commercial general liability coverage as available on either a claims-made or occurrence trigger, subject to underwriting eligibility. 8Company-reported. Key Coverages list; which trigger applies to a given account is an underwriting decision, not a guaranteed option. The package extends contractual liability to general liability and pollution conditions assumed under a written insured contract, including action-over protection. 8Company-reported. Key Coverages list; exact contract-liability wording and exclusions require the issued policy. Beazley says the GL and pollution coverages automatically add a client as an additional insured when a written agreement requires it, and include a blanket waiver of subrogation for the insured's clients when required by written agreement. 8Company-reported. Additional Coverages list; scope and conditions of these extensions are not detailed beyond the summary bullets. |
| Limits and Retentions | No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The reviewed page does not publish per-occurrence or aggregate GL limits, deductibles or self-insured retentions for this package. 8Not found in reviewed sources. Environmental package product page as read on 2026-09-23; limits appear only on an actual quote. |
| Risk Services | AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Beazley says the environmental package comes with dedicated claims managers who work with clients throughout the claims process, alongside underwriters it describes as having technical field experience. 8Company-reported. The Beazley Difference section; applies to the package as a whole, not GL specifically. |
| How to Apply | Confirm in your quote. | Beazley links an application form and brochure for the environmental package from the product page's Tools & Resources section, rather than a separate application for the GL component alone. 8Company-reported. Tools & Resources links referenced on the product page; the application content itself was not opened. |
Full Comparison
More AIG vs Beazley Comparisons
Other General 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.
- AIG Programs Insurance. AIG; Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680. Accessed 2026-09-30.
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; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- Environmental Package Policy (BeazleyOne Environmental). Beazley; What we offer: Key Coverages (Commercial general liability, Professional liability, Contractors' pollution legal liability, Contractual liability); Additional Coverages; How can we help; Who we can help; The Beazley Difference. Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
