AIG vs Chubb: How Do They Compare for Professional Liability (E&O) Insurance?

AIG markets customizable entity-based professional errors-and-omissions policies for public and private service providers. AIG is the marketing name; the page’s legal footer says products are written or provided by subsidiaries or affiliates, without naming the issuer for a buyer’s policy. ³Company-reported. AIG’s U.S. Professional Liability page. The page describes the marketed product family, not the legal insurer on an individual quote or policy.

Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. ⁶Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section.

AIG says its specialty professional-liability offering is for service providers and can be customized for a company’s professional services. Its examples include public and private service providers; this does not state that every profession or applicant qualifies. ³Company-reported. Company-described target customer and customization statement. The reviewed page does not provide a complete class appetite or state availability list.

Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. ⁶Company-reported. Pro ERM Target Clients list.

AIG describes coverage for claims alleging negligence in professional services rendered to others, including claims for third-party economic loss. This is a description of the product’s intended subject; covered claims, definitions, exclusions and conditions depend on the issued policy. ³Company-reported. AIG’s marketing description of specialty professional E&O; no policy form or endorsement was reviewed.

Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. ⁶Company-reported. Pro ERM Product Features list; subject to the policy as issued.

The reviewed page does not state standard limits, retentions or deductibles for this offering. Confirm the amounts and policy conditions in the quote and issued form. ³Not publicly disclosed. AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed.

Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. ⁶Company-reported. Pro ERM Product Features list.

AIG says it uses in-house claims professionals and third-party experts, collaborates with clients through the claims process, and uses claims data to help clients evaluate and mitigate loss. These are company-reported service descriptions, not a claim outcome guarantee. ³Company-reported. General professional-liability claims services described by AIG. The page does not state account-specific service standards or identify the administrator for a particular policy.

Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. ⁶Company-reported. Pro ERM Product Features list.

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Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. ⁶Company-reported. Cyber Insurance Coverage & Products page quoting section.