---
title: "AIG vs Counterpart: Professional Liability (E&O) Insurance"
description: "AIG markets entity-based E&O for professional-service negligence; Counterpart distributes separate professional-liability products through brokers for defined professional acts."
canonical: "https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-counterpart"
provider-a: "aig"
provider-b: "counterpart"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of AIG and Counterpart for Professional Liability (E&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 Professional Liability (E&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 Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, AIG or Counterpart?
- What does AIG or Counterpart publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from AIG or Counterpart?

**Key facts:**
- Line: Professional Liability (E&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
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers) — 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 Alliance Risk Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-alliance-risk/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-aon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-at-bay/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-beazley/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

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

AIG markets entity-based E&O for professional-service negligence; Counterpart distributes separate professional-liability products through brokers for defined professional acts.

## Research Scope and Use

Use this comparison to evaluate AIG and Counterpart for Professional Liability (E&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 markets entity-based E&O for professional-service negligence; Counterpart distributes separate professional-liability products through brokers for defined professional acts. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability")

## 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 Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [11](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [12](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [13](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [14](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### Policy Design and Covered Acts

AIG describes E&O intended for allegations of negligent professional services, including third-party financial loss. Counterpart separates professional-liability products by professional acts and distributes them through broker relationships. That segmentation may matter when a business performs several distinct services: buyers should identify which acts each policy covers and whether Counterpart requires separate products, then compare both definitions and exclusions. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")

### How the Policy Is Reached

AIG markets a customizable entity-based offering; Counterpart’s record describes broker distribution. Neither label identifies the quote-specific insurer or all placement terms. A buyer should establish who will negotiate the placement, which insurer will issue it and who will handle questions after binding before comparing the two routes. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [4](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask AIG which services and financial-loss allegations are covered and who issues the policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance")
- Ask the Counterpart broker which professional acts and policy modules match your work, and identify the issuing insurer. [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")

## Offering Details

| Criteria | AIG Specialty Professional Liability (E&O) | Counterpart Professional Liability |
| --- | --- | --- |
| Role in This Line | 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG’s U.S. Professional Liability page. The page describes the marketed product family, not the legal insurer on an individual quote or policy..) | Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. [4](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [10](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 marketing pages do not identify the insurer for a particular professional-liability risk or state..) |
| Who It’s For | 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Company-described target customer and customization statement. The reviewed page does not provide a complete class appetite or state availability list..) | Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [7](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Each page has its own occupation scope; no single eligibility rule applies across all four products..) |
| Coverage Features | 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG’s marketing description of specialty professional E&O; no policy form or endorsement was reviewed..) | The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") (Evidence: Company-reported; scope: These are distinct program summaries and do not establish identical policy triggers or coverages..) |
| Limits and Retentions | 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Not publicly disclosed; scope: AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed..) | Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Published examples are illustrative, not terms available to a particular applicant..) |
| Risk Services | 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: 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..) | 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 Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [AIG vs Counterpart Crime Insurance](https://spot.insure/compare/aig-vs-counterpart/crime)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers)
- [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 Alliance Risk Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-alliance-risk/professional-errors-omissions)
- [AIG vs Aon Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-aon/professional-errors-omissions)
- [AIG vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-at-bay/professional-errors-omissions)
- [AIG vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions)
- [AIG vs Beazley Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-beazley/professional-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions)

## 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. [Professional Liability Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability). AIG US; ‘AIG Professional Liability Solutions,’ lines 327–334; claims expertise lines 273–279; broker contact lines 385–389; general policy-language caveat in legal footer lines 485–489.. Accessed 2026-09-30.

### 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. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms.. Accessed 2026-09-30.
7. [Architects, Engineers, & Contractors Liability](https://yourcounterpart.com/products/architects-and-engineers). Counterpart, Inc.; Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28.. Accessed 2026-09-28.
8. [Allied Medical & Healthcare Liability](https://yourcounterpart.com/products/allied-healthcare). Counterpart, Inc.; Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session.. Accessed 2026-09-28.
9. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific.. Accessed 2026-09-30.
10. [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.

### Professional Liability (E&O) Insurance Guide

11. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
12. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
13. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
14. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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/professional-errors-omissions.md)
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