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 CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 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. 11,12,13
Key Differences in General Liability Insurance
Package Scope and Published Limit
CFC describes general liability as part of a property-and-casualty policy and lists products-completed operations, pollution, tenants' legal liability and third-party injury and property damage. Its brochure shows casualty limits up to $6 million. AIG lists GL only within selected programs and does not publish limits in its overview. Businesses comparing terms should separate CFC's casualty limit from its property limit and request AIG's named-program schedule. 3 9
Industry Appetite and Claims
CFC favors manufacturers, distributors, e-commerce, retail and non-manual professional services while ordinarily declining manual contractors, bars, aviation and other listed classes. AIG's program directory names niche audiences but does not provide a universal eligibility rule. A buyer should disclose its actual trade and operations to both and check CFC's claims-service description against the AIG administrator's claims process. 3 9
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 reviewsCFC
Review Score
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]
Read CFC reviewsOffering Details
AIG vs CFC: General Liability Insurance: documented features by provider
| Criteria | AIG General Liability Within Named Programs | CFC Property & Casualty |
|---|---|---|
| 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. | CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. 8,9Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings. |
| Issuing Insurer | Confirm in your quote. | The reviewed property & casualty page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. 8,9Not publicly disclosed. Property & casualty product page and brochure as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for this product would need to come from the quote or declarations. |
| 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. | CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. 9Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. |
| 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. | The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. 9Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued. CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. 9Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections. |
| 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. | CFC's brochure lists a casualty limit of up to $6,000,000 for this policy; the property limit is published separately for the commercial-property side of the same product. 9Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting. |
| 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. | Confirm in your quote. |
| Claims Support | Confirm in your quote. | CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. 10Company-reported. CFC's claims page, "Specialty" section; a combined general-liability and professional-indemnity figure with no separate general-liability count and no independent audit. |
Full Comparison
More AIG vs CFC 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.
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
- Property & casualty. CFC; Our property & casualty products: Property & casualty tile description; downloads (brochure, application form). Accessed 2026-09-23.
- Property & casualty | Product brochure | United States. CFC; At a glance; General liability; Bodily injury and property damage liability; Personal and advertising liability; Limits; What we love; What we ordinarily decline; Coverage enhancements. Accessed 2026-09-23.
- Claims. CFC; Specialty: "We've handled and paid tens of thousands of professional indemnity and general liability claims for businesses of all sizes". 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.
