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 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. 12,13,14,15,16
Key Differences in Product Liability Insurance
CFC describes the injury trigger and recall coverage
AIG lists aviation product liability among its aviation solutions but does not publish covered products or legal-liability terms on the overview. CFC sells product liability only within life-sciences and nutraceutical packages; those policies address bodily-injury and property-damage claims from use or ingestion, and include government-enforced recall costs, with voluntary recall available by extension. A buyer should check whether its product fits CFC’s two package classes. 3 9
CFC gives different maximums by trigger basis
CFC’s brochures list maximum limits of $15 million on a claims-made basis and $7 million on an occurrence basis. AIG’s public aviation overview gives no corresponding numbers. Ask CFC which basis is available for your product and compare the proposed limit and recall extension with AIG’s actual quote. 9 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 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: Product Liability Insurance: documented features by provider
| Criteria | AIG Aviation Product Liability | CFC Life Science and Nutraceuticals |
|---|---|---|
| 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. | CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. 8Company-reported. Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure. |
| Issuing Insurer | Confirm in your quote. | The reviewed life science and nutraceuticals brochures describe CFC as the policy designer and point of contact but do not name the insurer that carries the product-liability risk for either package. 8,9,10Not publicly disclosed. Life science page and both brochures 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 either package would need to come from the quote or declarations. |
| 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. | For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. 9Company-reported. Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. 10Company-reported. Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual 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. | Both packages cover legal expenses and compensation for bodily injury or property damage claims arising from use, ingestion, or (for life science) implantation of the insured's product, alongside product recall costs for government-enforced recalls, with voluntary recall available as an extension. 9,10Company-reported. Life science and nutraceuticals brochures' "Commercial general liability"/"Products and completed operations" and "Product recall" sections; exact wording and exclusions are set by the policy as issued. |
| 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. | CFC's brochures list a maximum products-liability limit of $15 million on a claims-made basis and $7 million on an occurrence basis for both the life science and nutraceuticals packages. 9,10Company-reported. "Limits and minimum premiums" sections of both brochures; the limit actually issued depends on underwriting. |
| 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. |
| How to Apply | Confirm in your quote. | CFC publishes separate application forms for life science products/software and for nutraceuticals, so the underwriting intake differs by package even though both share the same product-liability grant. 8Company-reported. Life science product page's downloads list. |
| Claims Support | Confirm in your quote. | CFC says it has pioneered coverage for nutraceuticals as an emerging risk area and has claims handlers experienced with that sector's product claims. 11Company-reported. CFC's claims page, "Emerging risk" section; a general capability statement with no published nutraceuticals-specific claim volume or outcome data. |
Full Comparison
More AIG vs CFC 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.
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.
- Life science. CFC; Life sciences and Nutraceuticals tiles; "What does CFC's life science policy cover?" list; downloads (brochures, application forms). Accessed 2026-09-23.
- Life science | Product brochure | United States. CFC; Commercial general liability; Product recall; At a glance: Products we consider / What we ordinarily decline; Limits and minimum premiums. Accessed 2026-09-23.
- Nutraceuticals | Product brochure | United States. CFC; Products and completed operations; Product recall; At a glance: What we like / What we ordinarily decline; Limits and minimum premiums. Accessed 2026-09-23.
- Claims. CFC; Emerging risk: "CFC has pioneered coverage for many emerging risk areas - like intellectual property and nutraceuticals - and is one of the only teams in the market with experience handling claims from a variety of new sectors". Accessed 2026-09-23.
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.
