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
Read the HUB International profile
Read the HUB International Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 9,10,11,12
Key Differences in Professional Liability (E&O) Insurance
Policy Scope and Broker Role
AIG describes coverage for allegations of negligent professional services, including third-party economic loss. HUB International acts as a broker and describes arranging professional-liability coverage across client industries. A buyer should compare AIG’s proposed insuring agreement with the policy HUB places, since HUB’s brokerage role does not determine which insurer or wording will be selected. 3 7
Structure and Claims Assistance
AIG says in-house claims professionals and outside experts work with policyholders through claims and use claims data for risk evaluation. HUB describes claims assistance alongside professional-liability placement. These services address the path after a loss, while the policy controls coverage; ask who receives notice, who selects defense counsel and whether defense costs reduce limits. 3 8
What to Confirm in Professional Liability (E&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: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | AIG Specialty Professional Liability (E&O) | HUB International Professional Liability (E&O) Insurance Brokerage |
|---|---|---|
| Role in This Line | 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. | HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. 7,8Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | Neither the professional liability nor the E&O product page names an issuing insurer; HUB places this coverage with insurers that vary by client and placement. 7,8Not found in reviewed sources. Checked both pages on 2026-09-23; no carrier is disclosed on either. |
| Who It’s For | 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. | HUB names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, and contracting businesses as typical E&O buyers, and separately lists technology among nine industries its E&O practice serves. 7,8Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state. |
| Coverage Features | 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. | HUB says professional liability/E&O policies it arranges can cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, plus libel, slander or lost-profit claims; intentional acts and employment claims are typically excluded. 7Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. HUB says E&O policies are typically claims-made with per-claim and aggregate limits, can be structured with prior-acts coverage back to a retroactive date, and can offer tail coverage for an extended reporting period; coverage can extend to independent contractors and temporary staff performing work for the business. 8Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations. |
| Limits and Retentions | 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. | Confirm in your quote. |
| Risk Services | 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. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | HUB directs prospects to connect with a broker; the pages describe professional liability/E&O policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. 7,8Company-reported. Product-page call to action and customization description as read 2026-09-23. |
| Claims Support | Confirm in your quote. | HUB's E&O page tells policyholders to notify their broker and carrier as soon as possible after an incident and submit documentation including a narrative of the events leading up to the claim. 8Company-reported. E&O product-page claims-notification guidance; a general process description, not an outcome measurement. |
Full Comparison
More AIG vs HUB International Comparisons
Other Professional Liability (E&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.
- Professional Liability Insurance. AIG US; ‘AIG Professional Liability Solutions,’ lines 327–334; claims expertise lines 273–279; broker contact lines 385–389; general policy-language caveat in legal footer lines 485–489. Accessed 2026-09-30.
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.
- Professional Liability Insurance Brokers. HUB International; What is professional liability?; Who Needs Professional Liability Insurance Coverage?; How Can You Limit Your Exposure to Professional Liability?; exclusions; Connect With a Broker. Accessed 2026-09-23.
- Errors and Omissions (E&O) Insurance Coverage. HUB International; Industries served list including accounting, architecture, creative, dental, engineering, financial, medical, media and technology; prior-acts coverage; claims-made structure with per-claim and aggregate limits and tail coverage; claims-notification steps. Accessed 2026-09-23.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
