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 Kinro Insurance?
Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. 4,5,6
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 8,9,10
Key Differences in General Liability Insurance
Completed Operations and Related Lines
Kinro describes general liability as addressing third-party bodily injury, property damage, completed-operations claims and certain advertising injuries, distinguishing it from workers' compensation and E&O. AIG lists GL in selected programs but does not publish occurrence terms or exclusions. Contractors should compare completed-operations wording and confirm that employee injuries and professional mistakes are routed to the appropriate separate policies. 3 7
Jobsite Intake and Program Eligibility
Kinro collects business activity, revenue, locations, states, subcontractor and jobsite exposure, and prior losses, often reviewing GL with BOP, workers' compensation and umbrella coverage. AIG's catalog instead names programs for selected industries. A buyer should give both the actual project profile, then confirm which AIG program accepts the class and whether Kinro's proposed carrier can meet contract limits. 3 7
What to Confirm in General Liability 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 reviewsKinro
Review Score
We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it.[7]
Read Kinro reviewsOffering Details
AIG vs Kinro: General Liability Insurance: documented features by provider
| Criteria | AIG General Liability Within Named Programs | Kinro General Liability |
|---|---|---|
| Role in This Line | This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Kinro is a broker: it matches a business to a general liability carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. 7Company-reported. General Liability page "Routing" and "Market fit" sections. |
| Who It’s For | AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Kinro says general liability commonly fits contractors, cleaning companies, retail stores and restaurants, and typically comes up when a landlord, general contractor, customer or marketplace asks for a certificate of insurance, or a contract requires it before work starts. 7Company-reported. General Liability page "Common fit" and "Triggers" sections. |
| Coverage Features | The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Kinro describes general liability as usually the first liability policy a small business buys, typically responding to third-party bodily injury, property damage, completed-operations claims and certain personal or advertising injury claims, and distinguishes it from workers' compensation (employee injuries) and professional liability/E&O (service mistakes). 7Company-reported. General Liability page introduction, "Coverage" and "Coverage comparison" sections; actual terms depend on the carrier and policy placed. |
| Limits and Retentions | No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The reviewed page does not publish general liability limits, deductibles or premiums; it lists required limits and additional-insured wording as inputs carriers need to quote, not published amounts. 7Not found in reviewed sources. General Liability page "Quote file" section as read on 2026-09-23. |
| Risk Services | AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | To quote general liability, Kinro collects business activity, revenue, locations and states, subcontractor and jobsite exposure, and prior losses, and often reviews it together with BOP, workers' compensation and umbrella coverage. 7Company-reported. General Liability page "Quote file" and "Reviewed with" sections. |
Full Comparison
More AIG vs Kinro Comparisons
Other General Liability 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.
- AIG Programs Insurance. AIG; Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680. Accessed 2026-09-30.
Kinro
- Kinro Business Insurance. Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
- Free Review Of Your Insurance Policy. Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
- For Carriers And MGAs. Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15.
- General Liability. Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Coverage comparison; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
