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 HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 4,5,6
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 9,10,11
Key Differences in D&O Insurance
Organization and claim exposure
AIG describes D&O protection for executive and corporate-governance exposures. HUB’s ProEx practice brokers D&O for private companies with customer or supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. HUB says claims it encounters can come from regulators, donors, clients, suppliers, employees, shareholders, and creditors. That gives varied organizations concrete claimant examples to discuss with HUB; AIG’s high-level description does not enumerate them. In either case, ask which alleged acts and proceedings trigger the actual policy. 3 7
Claims support and policy access
AIG provides applications and product-team contacts. HUB directs prospects to connect with a broker and describes a Claims & Legal Risks Group of attorneys specializing in management-liability claims, including D&O, from pre-claim wording review through claim recovery. That is brokerage advocacy, not an insurer’s promise to pay a claim. Buyers can compare HUB’s ongoing advisory role with AIG’s product route by asking who reviews wording, who is contacted after a claim, and which insurer decides coverage. 3 7
What to Confirm in D&O 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 reviewsHUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsOffering Details
AIG vs HUB International: D&O Insurance: documented features by provider
| Criteria | AIG Directors & Officers Liability | HUB International Directors and Officers Insurance Brokerage |
|---|---|---|
| Role in This Line | AIG offers D&O standalone or modular with other management-liability coverages. 3Company-reported. AIG management-liability portfolio. Claim limitation: Combination availability can vary by account and jurisdiction. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 7,8Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The D&O product page and the ProEx coverage list do not name an issuing insurer for D&O policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. 7,8Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote. |
| Who It’s For | Confirm in your quote. | HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. 7Company-reported. D&O product page target-market description; not an underwriting appetite statement. |
| Coverage Features | AIG describes D&O protection for executive and corporate-governance exposures. 3Company-reported. AIG management liability product page. Claim limitation: Policy terms and coverage triggers control; no policy form reviewed here. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. 7Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. 7Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant. |
| Limits and Retentions | Confirm in your quote. | Published D&O policy limits or retentions were not found on the reviewed pages. 7,8Not publicly disclosed. Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | Confirm in your quote. | HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. 8Company-reported. ProEx page team and services description; not specific to a single D&O engagement. |
| How to Apply | AIG links to application forms for its Management and Professional Liability products and provides contact information for its national product and distribution teams. 3Company-reported. The Forms and Applications and national product/distribution contact sections on AIG’s US D&O product page. Claim limitation: The page supports form access and team contact information. It does not establish that application or placement must be routed through a broker, whether buyers or brokers submit a form, or any online quote/bind path. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. 7Company-reported. D&O product page call to action. |
| Claims Support | Confirm in your quote. | HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. 8Company-reported. ProEx page claims and legal support section. |
Full Comparison
More AIG vs HUB International Comparisons
Other D&O 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.
- Directors & Officers (D&O) Liability Insurance | AIG US. AIG US; D&O product overview; modular coverage; Forms and Applications; Brokers: Meet Your AIG Team, lines 311–320. Accessed 2026-09-28.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Directors and Officers (D&O) Liability Insurance Broker. HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
- HUB ProEx. HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
