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

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. ³Company-reported. AIG’s U.S. Professional Liability page. The page describes the marketed product family, not the legal insurer on an individual quote or policy.

Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ⁶Company-reported. Professional liability page introduction and 'Why Harper' section.

Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^7,8Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

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The reviewed pages name pricing drivers (services performed, revenue, contract size) but do not name the issuing insurer or publish specific limit, retention or premium figures for this line. ^6,7Not publicly disclosed. Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.

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. ³Company-reported. Company-described target customer and customization statement. The reviewed page does not provide a complete class appetite or state availability list.

Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. ⁶Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.

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. ³Company-reported. AIG’s marketing description of specialty professional E&O; no policy form or endorsement was reviewed.

Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^6,7Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.

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. ³Not publicly disclosed. AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed.

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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. ³Company-reported. 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.

Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. ⁶Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.

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You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ⁶Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.