---
title: "AIG vs Embroker: Product Liability Insurance"
description: "Compare AIG’s aviation product coverage with Embroker’s standalone policy or GL endorsement route for product liability."
canonical: "https://spot.insure/compare/aig-vs-embroker/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-embroker"
provider-a: "aig"
provider-b: "embroker"
coverage-line: "product-liability"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-embroker/product-liability)

## Agent Guide

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

**Key facts:**
- Line: Product Liability Insurance. Providers: AIG and Embroker.
- 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 Embroker](https://spot.insure/compare/aig-vs-embroker) — parent: all coverage lines for this pair
- [Product Liability Insurance guide](https://spot.insure/coverage/product-liability) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile (evidence)
- [AIG vs Embroker Commercial Auto Insurance](https://spot.insure/compare/aig-vs-embroker/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Commercial Property Insurance](https://spot.insure/compare/aig-vs-embroker/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Crime Insurance](https://spot.insure/compare/aig-vs-embroker/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Cyber Insurance](https://spot.insure/compare/aig-vs-embroker/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker D&O Insurance](https://spot.insure/compare/aig-vs-embroker/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-embroker/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-embroker/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker General Liability Insurance](https://spot.insure/compare/aig-vs-embroker/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Management Liability Insurance](https://spot.insure/compare/aig-vs-embroker/management-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-embroker/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-embroker/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Product Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Product Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Product Liability Insurance](https://spot.insure/compare/aig-vs-beazley/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Product Liability Insurance](https://spot.insure/compare/aig-vs-cfc/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Product Liability Insurance](https://spot.insure/compare/aig-vs-cna/product-liability) — sibling comparison (other line, or other pair for this line)

# AIG vs Embroker: How Do They Compare for Product Liability Insurance?

Compare AIG’s aviation product coverage with Embroker’s standalone policy or GL endorsement route for product liability.

## Research Scope and Use

Use this comparison to evaluate AIG and Embroker for Product Liability 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 places aviation product liability within its aerospace practice; Embroker offers standalone product coverage or an endorsement, with published defect and recall distinctions. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") [7](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes")

## 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 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](https://www.embroker.com/ "Embroker") [5](https://www.embroker.com/terms/ "Terms And Conditions") [6](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [9](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [10](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## 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](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") [7](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes")

### 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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance")

## What to Confirm in Product Liability Insurance Quotes

- Ask Embroker whether standalone or endorsed coverage fits your GL program and price recall protection separately. [7](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes")
- Confirm AIG’s covered aviation products, limits and recall wording. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance")

## Offering Details

| 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. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control..)<br><br>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). [7](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") (Evidence: Not publicly disclosed; scope: 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. [7](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'Why Get It With Embroker?' section; no quote was requested during this research..) |

## Full Comparison

- [AIG vs Embroker](https://spot.insure/compare/aig-vs-embroker): all coverage lines, business roles, service and claims.
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check.
- [AIG vs Embroker Commercial Auto Insurance](https://spot.insure/compare/aig-vs-embroker/commercial-auto)
- [AIG vs Embroker Commercial Property Insurance](https://spot.insure/compare/aig-vs-embroker/commercial-property)
- [AIG vs Embroker Crime Insurance](https://spot.insure/compare/aig-vs-embroker/crime)
- [AIG vs Embroker Cyber Insurance](https://spot.insure/compare/aig-vs-embroker/cyber)
- [AIG vs Embroker D&O Insurance](https://spot.insure/compare/aig-vs-embroker/directors-officers)
- [AIG vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-embroker/employment-practices)
- [AIG vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-embroker/fiduciary)
- [AIG vs Embroker General Liability Insurance](https://spot.insure/compare/aig-vs-embroker/general-liability)
- [AIG vs Embroker Management Liability Insurance](https://spot.insure/compare/aig-vs-embroker/management-liability)
- [AIG vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-embroker/professional-errors-omissions)
- [AIG vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-embroker/workers-compensation)
- [AIG vs Alliance Risk Product Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/product-liability)
- [AIG vs Amelia Risk Product Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/product-liability)
- [AIG vs Beazley Product Liability Insurance](https://spot.insure/compare/aig-vs-beazley/product-liability)
- [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability)
- [AIG vs CFC Product Liability Insurance](https://spot.insure/compare/aig-vs-cfc/product-liability)
- [AIG vs CNA Product Liability Insurance](https://spot.insure/compare/aig-vs-cna/product-liability)

## 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. [Aerospace & Aviation Insurance](https://www.aig.com/business/industry/aerospace.secure). 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

4. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
5. [Terms And Conditions](https://www.embroker.com/terms/). 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.
6. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
7. [Product Liability Insurance: Coverage & Quotes](https://www.embroker.com/coverage/product-liability-insurance/). 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

8. [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.
9. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/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.
10. [Product liability, recall and contamination insurance](https://www.iii.org/article/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.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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.

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).

## Embroker Reviews

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/embroker/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-embroker/product-liability.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)