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 Management Liability Insurance?
Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. 8,9,10,11,12,13
Key Differences in Management Liability Insurance
Package Defined or Products Listed
AIG's portfolio names D&O, employment practices, fiduciary, crime/fidelity and kidnap-and-ransom products; it does not say that every line can be placed together. Beazley describes ExecuGuard as one private-company policy combining D&O, EPL and fiduciary. For a buyer seeking coordinated management-liability coverage, Beazley's page describes a defined package, while AIG's source requires a quote to establish any combination. 3 6
Limit Choice and Package Features
Beazley says buyers can choose separate limits per coverage or one shared limit and advertises combined capacity up to US $20 million, subject to underwriting. Its package page also lists investigation and inquiry, books-and-records, workplace-violence and employee privacy features, with some extensions sublimited and amounts unpublished. The AIG record does not provide comparable package limits or feature details, so compare the actual forms and schedules rather than treating silence as lack of coverage. 6 3
What to Confirm in Management Liability Insurance Quotes
Ask Beazley which limits are shared or separate, the sublimits and retentions for each extension, and which admitted or non-admitted insurer entity would issue the policy. Ask AIG whether the named products can be placed as one program for your risk and request the corresponding forms and aggregate schedule. The sources do not establish comparable pricing or the same package eligibility. 6 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 Management Liability Insurance: documented features by provider
| Criteria | AIG Management & Professional Liability portfolio | Beazley ExecuGuard |
|---|---|---|
| Role in This Line | Confirm in your quote. | Beazley markets ExecuGuard as a single management-liability package policy combining private-company directors and officers (D&O), employment practices and fiduciary liability, which buyers can customize with separate or shared limits across the three coverages. 6Company-reported. US ExecuGuard package as described on the combined product page. Beazley does not market a separate US "management liability" product distinct from ExecuGuard in the reviewed sources; this record describes the same underlying product as the directors-officers, employment-practices and fiduciary offering records, at the bundle level. |
| Issuing Insurer | Confirm in your quote. | The ExecuGuard page does not name the specific Beazley insurance entity that issues the policy. Both admitted and non-admitted versions are advertised, so the issuing carrier and its admitted status depend on the policy placed. 6Not found in reviewed sources. ExecuGuard page as read on 2026-09-23; the issued policy's declarations control the actual insurer. |
| Who It’s For | AIG describes solutions for public, private and nonprofit organizations, financial institutions and professional services firms. 3Company-reported. AIG US product portfolio. Claim limitation: No individual revenue/industry/state eligibility established. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | ExecuGuard is marketed to private organizations rather than public companies. Beazley's separate D&O, EPL and fiduciary product pages describe more specific eligibility details for each individual coverage that are not restated on the combined ExecuGuard page itself. 6Company-reported. ExecuGuard page as a package; component-level eligibility (e.g. EPL's employee-count guidance) is documented in the corresponding single-line offering records, not this one. |
| Coverage Features | AIG’s portfolio includes D&O, EPL, fiduciary, crime/fidelity and kidnap-and-ransom products. 3Company-reported. AIG US management-liability portfolio. Claim limitation: Not proof every line can be bundled. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Beazley lists coverage features shared across the bundle: broad insured-person investigation and inquiry coverage, books-and-records coverage, workplace-violence coverage with a business-interruption sublimit, and privacy-violation coverage affecting employees. 6Company-reported. ExecuGuard product page feature list; exclusions and conditions are set by the issued policy. The combined policy adds sublimited extensions for immigration-practices defense costs, OSHA proceedings and (subject to underwriting) wage-and-hour defense costs, plus settlor-capacity protection now written into the fiduciary insuring clauses. 6Company-reported. ExecuGuard product page; sublimit amounts are not published and appear only on a quote. |
| Limits and Retentions | Confirm in your quote. | Beazley advertises combined ExecuGuard limits up to US $20 million, which the buyer can structure as separate limits per coverage or a single shared limit across D&O, EPL and fiduciary. 6Company-reported. Advertised maximum capacity, not a guaranteed quote amount. |
| Risk Services | Confirm in your quote. | ExecuGuard policyholders can choose counsel from an approved panel and get access to BeazleySure risk-management resources. The combined page does not list specific tools. 6Company-reported. ExecuGuard product page; the EPL and fiduciary offering records list the specific BeazleySure features named on their own pages. |
| How to Apply | AIG’s Management & Professional Liability portfolio page links to application forms and national product/distribution team contacts. 3Company-reported. Resources linked from the Management & Professional Liability portfolio page; the claim does not map a specific form to each named product. Claim limitation: The page does not identify which form applies to each named product, who submits applications, a mandatory broker route, eligibility, binding authority or the issuing affiliate. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | The ExecuGuard page does not describe a self-service online quoting flow; it lists named Executive Risk underwriters by region as broker/buyer contacts instead. 6Company-reported. ExecuGuard product page team listing as read on 2026-09-23. |
| Claims Support | Confirm in your quote. | Beazley illustrates its claims approach for the bundle 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; 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 Management 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.
- Management & Professional Liability Insurance | AIG US. AIG US; Products and solutions; Financial Lines applications; Forms and Applications; Brokers: Meet Your AIG Team, lines 327–336. 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; Execuguard package policy introduction; What we offer: separate or shared limits among EPL, D&O and fiduciary; How can we help: insured-person investigation coverage, books and records, workplace violence, privacy violation; Limits up to US $20,000,000, both admitted and non-admitted; Examples or Scenarios. Accessed 2026-09-23.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
Management Liability Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
- Management Liability Insurance. The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
- The ForeFront Portfolio. Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage Application. Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16.
