AIG vs HUB International: How Do They Compare for Tech E&O Insurance?

HUB brokers technology E&O for startups and established technology firms with customized policy terms; AIG markets Technology Services E&O to technology service providers. 3,7

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

Read the AIG profile

Read the AIG Tech E&O Insurance page

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 Tech E&O Insurance page

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. 8,9,10,11,12,13,14

Read the full coverage guide

Key Differences in Tech E&O Insurance

Coverage design and fit

AIG describes Technology Services E&O for allegations of errors or omissions in service performance, including third-party economic loss. HUB says its E&O policies can include prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. For a technology buyer changing insurers or winding down a service, those dates may affect which claims can be reported; the specific terms must be shown in the quote. 3 7

Eligibility, services, and placement

HUB directs prospects to a broker and says its E&O terms are customized by business size, industry, location, risk, and desired limits. AIG’s page names the technology-service audience but does not publish an online application path. Ask both for the proposed limit, claims-made dates, and issuer. 3 7

What to Confirm in Tech E&O Insurance Quotes

  • Ask AIG Technology to specify the form terms and limits relevant to your technology services. 3
  • Ask HUB International to confirm how its stated program details apply to your business and proposed policy. 7

AIG and HUB International Review Scores for 2026

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

4.4/ 10

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 reviews

HUB International Review Score

5.6/ 10

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 reviews

AIG vs HUB International Tech E&O Insurance Compared

AIG vs HUB International: Tech E&O Insurance: documented features by provider

CriteriaAIG Technology Services E&OHUB International Technology Errors and Omissions 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. 3Company-reported. AIG’s U.S. Professional Liability page’s distinct Technology Services description. This is not a named policy form or issuer assignment.

HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. 7,6Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.

Issuing Insurer

Confirm in your quote.

Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. 7,6Not found in reviewed sources. Checked both pages on 2026-09-23; no carrier is disclosed on either.

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. 3Company-reported. Target audience stated in AIG’s Technology Services section; applicant eligibility remains underwriting-specific.

HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. 6Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.

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

HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. 7Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.

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

HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. 7Not publicly disclosed. E&O product-page structure description; specific limits are set on the quote and declarations.

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. 3Company-reported. AIG Professional Liability page claims description; technology-specific service standards are not stated.

Confirm in your quote.

How to Apply

Confirm in your quote.

HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. 7Company-reported. Product-page call to action as read 2026-09-23.

Related Pages for AIG vs HUB International Tech E&O Insurance

Tech E&O Insurance Pages for AIG and HUB International

Other Coverage Lines Compared for AIG vs HUB International

Other Tech E&O Insurance Provider Comparisons

Sources for AIG vs HUB International Tech E&O Insurance

Sources About AIG

  1. Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
  2. Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
  3. Professional Liability Insurance. 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 HUB International

  1. About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
  2. Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
  3. Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim. Accessed 2026-09-23.
  4. Errors and Omissions (E&O) Insurance Coverage. HUB International; Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps. Accessed 2026-09-23.

Sources for the Tech E&O Insurance Guide

  1. Glossary of 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.
  2. Insurance and Bonding Guidelines. 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.
  3. Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). 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.
  4. Technology Errors and Omissions Insurance. 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.
  5. DigiTech Enterprise Risk Management. 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.
  6. Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. 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.
  7. Cyber Risk for Technology Companies. 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 . 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. To suggest a correction, contact Spot with the page URL and supporting source.

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