---
title: "AIG vs Counterpart: D&O Insurance"
description: "AIG offers D&O standalone or modular, while Counterpart routes private-company and nonprofit placements through wholesale brokers."
canonical: "https://spot.insure/compare/aig-vs-counterpart/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-counterpart"
provider-a: "aig"
provider-b: "counterpart"
coverage-line: "directors-officers"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/aig-vs-counterpart/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of AIG and Counterpart for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about AIG versus Counterpart. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Counterpart for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, AIG or Counterpart?
- What does AIG or Counterpart publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from AIG or Counterpart?

**Key facts:**
- Line: D&O Insurance. Providers: AIG and Counterpart.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Counterpart](https://spot.insure/compare/aig-vs-counterpart) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [AIG vs Counterpart Crime Insurance](https://spot.insure/compare/aig-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart General Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk D&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk D&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon D&O Insurance](https://spot.insure/compare/aig-vs-aon/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley D&O Insurance](https://spot.insure/compare/aig-vs-beazley/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line)

# AIG vs Counterpart: How Do They Compare for D&O Insurance?

AIG offers D&O standalone or modular, while Counterpart routes private-company and nonprofit placements through wholesale brokers.

## Research Scope and Use

Use this comparison to evaluate AIG and Counterpart for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

AIG offers D&O for executive and governance exposures, standalone or modular. Counterpart describes separate private-company and nonprofit D&O products distributed through producers and wholesale brokers. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") [4](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [8](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")

## 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](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [4](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [9](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [10](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [11](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## Key Differences in D&O Insurance

### Distribution and organization type

AIG offers D&O as standalone insurance or modularly with other management-liability coverages and links national product applications. Counterpart says businesses access its program through a producer and surplus-lines broker, with wholesale-broker distribution; it maintains separate D&O pages for private companies and nonprofits. A buyer should account for this intermediary route when planning a quote and identify which Counterpart product matches its organization. AIG’s materials describe its product path but do not specify the same wholesale access requirement. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") [6](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [6](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance")

### Coverage detail available to compare

AIG describes D&O protection for executive and governance exposures but does not outline detailed illustrative limits in the reviewed summary. Counterpart’s private-company page describes management-liability claims and includes illustrative coverage and limit examples, while its nonprofit page identifies a separate organization-specific product. Those examples provide a starting point for a private business; nonprofits should request the terms for the distinct product. In either case, use the issued policy to confirm covered claims, exclusions, retention, and available limits. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") [6](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance")

## What to Confirm in D&O Insurance Quotes

- Ask Counterpart which wholesale broker and product form apply, and request the illustrated limits and exclusions. [6](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance")
- Ask AIG for its applicable D&O form, insured parties, limits, and modular coverage details. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US")

## Offering Details

| Criteria | AIG Directors & Officers Liability | Private Company and Nonprofit Directors & Officers Liability |
| --- | --- | --- |
| Role in This Line | AIG offers D&O standalone or modular with other management-liability coverages. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") (Evidence: Company-reported; scope: AIG management-liability portfolio. Claim limitation: Combination availability can vary by account and jurisdiction. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | Counterpart describes itself as distributing insurance through its producer and surplus-lines broker and says businesses access the program through a wholesale broker. [4](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [8](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited pages do not map a particular insurer to a D&O quote or state..) |
| Who It’s For | Confirm in your quote. | Counterpart publishes a private-company D&O product page and a separate D&O page for not-for-profit organizations. [6](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [7](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: Separate product pages show different marketed segments; eligibility depends on the proposed risk and insurer review..) |
| Coverage Features | AIG describes D&O protection for executive and corporate-governance exposures. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") (Evidence: Company-reported; scope: AIG management liability product page. Claim limitation: Policy terms and coverage triggers control; no policy form reviewed here. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | The private-company D&O page describes protection for management-liability claims and includes illustrative coverage and limit examples. [6](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: Illustrations and summaries are not policy terms or an available limit commitment..)<br><br>Counterpart separately markets D&O for not-for-profit organizations. [7](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: The retained page summary does not establish a particular nonprofit’s eligibility or the terms of its policy..) |
| How to Apply | AIG links to application forms for its Management and Professional Liability products and provides contact information for its national product and distribution teams. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") (Evidence: Company-reported; scope: The Forms and Applications and national product/distribution contact sections on AIG’s US D&O product page. Claim limitation: The page supports form access and team contact information. It does not establish that application or placement must be routed through a broker, whether buyers or brokers submit a form, or any online quote/bind path. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | Confirm in your quote. |

## Full Comparison

- [AIG vs Counterpart](https://spot.insure/compare/aig-vs-counterpart): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [AIG vs Counterpart Crime Insurance](https://spot.insure/compare/aig-vs-counterpart/crime)
- [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices)
- [AIG vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/fiduciary)
- [AIG vs Counterpart General Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/general-liability)
- [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions)
- [AIG vs Alliance Risk D&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/directors-officers)
- [AIG vs Amelia Risk D&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/directors-officers)
- [AIG vs Aon D&O Insurance](https://spot.insure/compare/aig-vs-aon/directors-officers)
- [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers)
- [AIG vs Beazley D&O Insurance](https://spot.insure/compare/aig-vs-beazley/directors-officers)
- [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Directors & Officers (D&O) Liability Insurance | AIG US](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability). AIG US; D&O product overview; modular coverage; Forms and Applications; Brokers: Meet Your AIG Team, lines 311–320. Accessed 2026-09-28.

### Counterpart

4. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
5. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
6. [Private Directors & Officers Liability Insurance](https://yourcounterpart.com/products/do). Counterpart, Inc.; Retained provider source: product page sections on covered organizations, coverage, example limits/retentions and capacity; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
7. [Not-for-Profit Directors & Officers Insurance](https://yourcounterpart.com/products/not-for-profit-do). Counterpart, Inc.; Retained provider source: product page sections on nonprofit eligibility, coverage and underwriting partners; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
8. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### D&O Insurance Guide

9. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
10. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
11. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Counterpart Reviews

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-counterpart/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)