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 Embroker?
Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. 4,5,6
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. 8,9,10,11,12
Key Differences in Product Liability Insurance
Embroker offers a standalone policy while many buyers add an endorsement
AIG lists product liability as an aviation solution for aircraft manufacturers and related operations. Embroker says it sells a standalone product-liability policy, while most companies add the coverage to general liability or a business owners policy; larger companies more often buy a separate policy. The choice affects how product claims sit alongside general liability, so request a comparison of the form and aggregate structure. 3 7
Embroker names product defects and the recall gap
Embroker lists bodily injury, property damage, illness and wrongful death from design, manufacturing or labeling defects, but says recall costs are excluded and require a separate endorsement or policy. AIG’s aviation overview does not publish its recall terms. Manufacturers should budget product recall separately and check how each provider handles defect claims. 7 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 reviewsEmbroker
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsOffering Details
AIG vs Embroker: Product Liability Insurance: documented features by provider
| Criteria | AIG Aviation Product Liability | Embroker Product Liability Insurance |
|---|---|---|
| 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. | Embroker sells product liability as a standalone policy, and says most companies instead add it as an endorsement to a general liability policy or bundle it into a Business Owners Policy, with only larger companies typically buying an independent policy. 7Company-reported. Product-page description and 'Tips for Saving' section; not a statement about the issuing insurer. |
| 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. | Embroker markets the policy to businesses that manufacture, repair, distribute or sell products, saying manufacturers are most often held liable but sellers and repairers can also be named in claims. 7Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business. |
| 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. | Embroker lists coverage for bodily injury, property damage, illness and wrongful death claims arising from design defects, manufacturing defects, or warning/labeling defects in a product. 7Company-reported. Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control. Embroker says the policy excludes employee injuries (covered by workers' compensation), third-party accidents on the policyholder's property (covered by general liability), product recall costs (which need a separate endorsement or product recall policy), and technology product claims (covered by tech E&O). 7Company-reported. Product-page What's Not Covered section, distinguishing product liability from general liability, product recall insurance and technology E&O. |
| 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. | Embroker says pricing depends heavily on product risk category (for example, pharmaceuticals or firearms cost more than lower-risk goods), company size and revenue, and claims history; it does not publish standard policy limits. 7Company-reported. Product-page 'How Much Does Product Liability Insurance Cost?' section. |
| 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. | Embroker says applicants can get a product liability quote in under 10 minutes through its digital platform and choose their own deductibles and limits. 7Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research. |
Full Comparison
More AIG vs Embroker 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.
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Product Liability Insurance: Coverage & Quotes. Embroker; What Is Product Liability Insurance?; Who Is It For?; Product Liability vs. General Liability; What Does Product Liability Insurance Cover?; What's Not Covered?; How Much Does Product Liability Insurance Cost? 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.
