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 Berkshire Hathaway Specialty Insurance?
BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. 4,5,6,7
What Is Product Liability Insurance?
Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. 10,11,12,13,14
Key Differences in Product Liability Insurance
BHSI identifies manufacturer and discontinued-product exposures
AIG lists product liability within aviation solutions for aviation manufacturers, distributors and maintenance operations. Berkshire Hathaway Specialty Insurance markets primary products/completed-operations liability as a distinct casualty product and identifies manufacturers and distributors, including discontinued-products exposures. That broader stated appetite may be relevant to companies with legacy products still generating claims; aviation businesses should compare the specialized AIG offering against BHSI’s proposal. 3 9
BHSI publishes selected casualty appetite guidance
BHSI’s guide lists products liability, primary GL and lead umbrella/excess among its casualty lines and gives capacity and minimum-premium guidance for selected accounts. AIG’s overview names aviation product-liability solutions but no buyer limits or premiums. Ask BHSI whether the published appetite guidance applies to your account and request AIG’s quote-specific terms. 8 3
What to Confirm in Product 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 reviewsBerkshire Hathaway Specialty Insurance
Review Score
The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsOffering Details
AIG vs Berkshire Hathaway Specialty Insurance: Product Liability Insurance: documented features by provider
| Criteria | AIG Aviation Product Liability | Primary products/completed-operations liability |
|---|---|---|
| Role in This Line | AIG markets product liability as part of its Aerospace and Aviation insurance practice, specifically for aviation-related product operations. It is not evidence of a broad standalone product liability offer for unrelated sectors. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Confirm in your quote. |
| Who It’s For | AIG identifies aviation product manufacturers, distributors and maintenance, repair and overhaul operations as audiences for its aviation product liability solutions. The page does not establish eligibility for all product manufacturers. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | BHSI identifies manufacturers and distributors, including discontinued-products/IBNR exposures, as products-liability targets. 9Company-reported. Selected US products/completed-operations risks. Material limitation: A target class is not a guarantee of eligibility; discontinued-product exposure has distinct underwriting. |
| Coverage Features | AIG lists aviation product liability insurance among aviation liability solutions. It does not publish a buyer’s covered products, legal liability terms, limits or exclusions on this overview page. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | BHSI markets primary products/completed-operations liability as a distinct casualty product. 9Company-reported. BHSI US commercial primary products/completed-operations liability. Material limitation: This does not establish product-recall expense insurance. |
| Limits and Retentions | The aviation page does not publish a product-liability limit for an individual manufacturer or product. Confirm capacity, attachment and policy terms with AIG for the account. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The casualty appetite guide names Products Liability, primary GL and lead umbrella/excess as lines, and states capacity and minimum-premium guidance for selected casualty accounts. 8Company-reported. Selected US casualty submissions in the guide. Material limitation: The shared guide parameters do not promise product-specific limit availability; contract wording controls. |
| Risk Services | AIG describes aviation-focused underwriting and claims adjusters/attorneys, a 24/7 hotline and application materials for aircraft products. These resources do not determine coverage or claim acceptance. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
Full Comparison
More AIG vs Berkshire Hathaway Specialty Insurance Comparisons
Other Product 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.
- Aerospace & Aviation Insurance. AIG; Official AIG Aerospace & Aviation page: named aviation product liability solutions for manufacturers, distributors, maintenance/repair/overhaul operations; aviation underwriting, claims support and application links; standard policy caveat. Accessed 2026-09-30.
Berkshire Hathaway Specialty Insurance
- At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
- About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
- Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
- Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
- Casualty Appetite Guide - U.S. Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
- Casualty. Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO Properties, Inc.; specimen hosted by Hiscox; Recall exclusion p.5; Supplementary Payments pp.8–9; Section III limits p.10; V.16 and V.21 p.15, warnings/instructions continue p.16. Accessed 2026-09-16.
