---
title: "AIG vs Embroker: Tech E&O Insurance"
description: "Embroker names coverage for delayed launches, technology defects, contract breaches, and cyber events; AIG describes service-performance errors and economic loss."
canonical: "https://spot.insure/compare/aig-vs-embroker/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-embroker"
provider-a: "aig"
provider-b: "embroker"
coverage-line: "technology-errors-omissions"
---

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-embroker/technology-errors-omissions)

## Agent Guide

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

**Key facts:**
- Line: Tech E&O 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
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — 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 Product Liability Insurance](https://spot.insure/compare/aig-vs-embroker/product-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 Tech E&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs At-Bay Tech E&O Insurance](https://spot.insure/compare/aig-vs-at-bay/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Tech E&O Insurance](https://spot.insure/compare/aig-vs-beazley/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Tech E&O Insurance](https://spot.insure/compare/aig-vs-cfc/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)

# AIG vs Embroker: How Do They Compare for Tech E&O Insurance?

Embroker names coverage for delayed launches, technology defects, contract breaches, and cyber events; AIG describes service-performance errors and economic loss.

## How to Use the AIG vs Embroker Tech E&O Insurance Comparison

Use this comparison to evaluate AIG and Embroker for Tech 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.

## AIG vs Embroker Tech E&O Insurance Summary

Embroker’s published broker appetite sets a $300 million revenue ceiling and excludes crypto, blockchain, and cannabis businesses; AIG gives no comparable public eligibility thresholds. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [8](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access")

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

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [11](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [14](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [15](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies")

## What Are the Key Differences Between AIG and Embroker Tech E&O Insurance?

### Coverage design and fit

AIG describes Technology Services E&O for allegations of errors or omissions in performing technology services, including third-party economic loss. Embroker lists a blended Tech E&O/Cyber policy that includes professional negligence, software or hardware defects, breach of contract, and delayed product launch. Buyers should check whether a product failure or launch delay is treated as an E&O loss or a cyber exposure in the proposed form. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [7](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")

### Eligibility, services, and placement

Embroker’s broker program targets private, for-profit technology companies below $300 million in revenue and excludes crypto, blockchain, and cannabis; it also requires MFA above $5 million revenue. AIG identifies technology-service providers without publishing a full class list or state appetite. An applicant should compare these screening rules before investing in submissions. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [7](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")

## What Should You Confirm in AIG and Embroker Tech E&O Insurance Quotes?

- Ask AIG Technology to specify the form terms and limits relevant to your technology services. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance")
- Ask Embroker Technology to confirm how its stated program details apply to your business and proposed policy. [7](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")

## AIG vs Embroker Tech E&O Insurance Compared

| Criteria | AIG Technology Services E&O | Embroker Technology Errors and Omissions / Cyber Insurance |
| --- | --- | --- |
| Role in This Line | AIG markets Technology Services E&O as coverage for technology service providers. AIG is the marketing name; its legal footer says products are written or provided by subsidiaries or affiliates and does not identify the issuer for an individual 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’s distinct Technology Services description. This is not a named policy form or issuer assignment..) | Embroker sells Tech E&O/Cyber as a single blended policy directly to technology companies and also distributes it through appointed brokers via its Embroker Access broker portal. [7](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [8](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Retail and broker-facing page descriptions; not a statement about the issuing insurer..) |
| Who It’s For | AIG identifies technology service providers as the target audience for this offering. It does not publish a complete eligible-occupation list or state-by-state appetite on the reviewed page. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Target audience stated in AIG’s Technology Services section; applicant eligibility remains underwriting-specific..) | Embroker's broker program targets private, for-profit technology companies (including fintech, AI, digital health, HR tech and SaaS) with under $300 million in revenue, requires multifactor authentication for accounts above $5 million in revenue, and excludes businesses involved in crypto, blockchain or cannabis. [8](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite..) |
| Coverage Features | AIG describes coverage for claims alleging errors or omissions in the performance of technology services, including third-party economic-loss allegations. The marketing description does not establish that a specific claim is covered; policy definitions, exclusions and conditions control. [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 Technology Services E&O; no policy form or endorsement was reviewed..) | Embroker lists coverage for cyber liability (data breaches, cyber theft, cyber vandalism), professional negligence from product or tech errors, software or hardware defects, breach of contract, and losses from a delayed product launch. [7](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: Retail product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker's retail page says the policy excludes criminal activity, financial insolvency, copyright infringement or libel claims, and intellectual property infringement, while its broker program advertises software code infringement coverage as an included feature. [7](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [8](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Conflicting sources; scope: Retail What's not included section versus the broker program's Additional features list; the public descriptions do not reconcile this difference, so confirm the proposed form's exact IP-related coverage on a quote..) |
| Limits and Retentions | The reviewed page does not state standard limits, retentions or deductibles for Technology Services E&O. Confirm them in the quote and issued policy. [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..) | Embroker's broker program advertises limits up to $5 million for most insuring agreements, with sub-limits of $1 million for reputational harm and telecommunications fraud, and $500,000 for social engineering, funds transfer fraud and bricking (which includes a $100,000 betterment sub-limit). [8](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page..)<br><br>Embroker offers excess Tech E&O/Cyber coverage above a primary policy, but its excess product cannot sit above an Embroker primary policy — buyers need an underlying Tech E&O or Tech E&O + Cyber policy from a different carrier before applying for excess. [7](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: Retail 'What is excess Tech E&O / Cyber Insurance?' and 'How to apply' sections; a related excess-specific offering exists for management-liability but is treated separately here..) |
| Risk Services | AIG says its professional-liability claims team includes in-house professionals and third-party experts, collaborates with clients during claims, and uses claims data to help evaluate and mitigate loss. These are general company-reported professional-liability services, not a guaranteed outcome for a technology E&O claim. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG Professional Liability page claims description; technology-specific service standards are not stated..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. [7](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [8](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research..) |

## Related Pages for AIG vs Embroker Tech E&O Insurance

- [AIG vs Embroker](https://spot.insure/compare/aig-vs-embroker): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [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 Product Liability Insurance](https://spot.insure/compare/aig-vs-embroker/product-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 Tech E&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/technology-errors-omissions)
- [AIG vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/technology-errors-omissions)
- [AIG vs At-Bay Tech E&O Insurance](https://spot.insure/compare/aig-vs-at-bay/technology-errors-omissions)
- [AIG vs Beazley Tech E&O Insurance](https://spot.insure/compare/aig-vs-beazley/technology-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions)
- [AIG vs CFC Tech E&O Insurance](https://spot.insure/compare/aig-vs-cfc/technology-errors-omissions)

## Sources for AIG vs Embroker Tech E&O Insurance

### Sources About 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; Technology Services description, lines 335–339; claims expertise lines 273–279; broker contact lines 385–389; legal footer policy-language caveat lines 485–489.. Accessed 2026-09-30.

### Sources About 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. [Tech E&O Insurance Quotes and Coverage](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; Why it's essential; Who needs this coverage; What is Technology Errors and Omissions / Cyber insurance?; What's covered; What's not included; What is excess Tech E&O / Cyber Insurance?; How to apply. Accessed 2026-09-23.
8. [Embroker Tech E&O / Cyber – EMB Access](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; Coverage Highlights; Additional features. Accessed 2026-09-23.

### Sources for the Tech E&O Insurance Guide

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
10. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
11. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
14. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
15. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. 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 Review Scores for 2026

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 Review Scores for 2026

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/technology-errors-omissions.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)