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 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. 8,9,10,11
Key Differences in Professional Liability (E&O) Insurance
Services and Applicant Fit
AIG’s record says the policy can be customized for professional services and is intended for public and private service providers. Kinro describes a narrower target audience for its professional-liability product. A company should check whether it fits Kinro’s stated buyer profile and give AIG its service list, subcontracting model and client contract terms for underwriting review. 3 7
Coverage and Quote Route
AIG describes protection for negligence claims tied to professional services and third-party economic loss. Kinro describes its own policy scope and how a prospect starts an application. The buyer should verify that both forms handle the same allegations and find out whether a Kinro quote is placed through a carrier partner or issued directly. 3 7
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 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: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | AIG Specialty Professional Liability (E&O) | Kinro Professional Liability / E&O |
|---|---|---|
| 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. | Kinro is a broker: it matches a business to a professional liability/E&O 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. Professional Liability / E&O page "Routing" and "Market fit" sections. |
| 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. | Kinro says this coverage commonly fits consultants, agencies, tech services and professional firms, and typically comes up when clients rely on the business's professional advice or deliverables, or a contract requires E&O or professional liability. 7Company-reported. Professional Liability / E&O page "Common fit" and "Triggers" sections. |
| 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. | Kinro describes professional liability/E&O as addressing claims tied to alleged errors, omissions, missed deadlines or service mistakes, and says it covers defense and claim-handling questions that a general liability policy may not address. 7Company-reported. Professional Liability / E&O page introduction and "Coverage" section; actual terms depend on the carrier and policy placed. |
| 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. | The reviewed page does not publish limits, retentions or premiums for professional liability/E&O; amounts would appear on a quote. 7Not found in reviewed sources. Professional Liability / E&O page as read on 2026-09-23. |
| 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. | To quote professional liability/E&O, Kinro collects the services provided, client types, revenue and contract terms, prior claims and retroactive dates, and whether the business handles regulated, technical, financial or operational advice, and often reviews it together with cyber, general liability and D&O coverage. 7Company-reported. Professional Liability / E&O page "Quote file" and "Reviewed with" sections. |
Full Comparison
More AIG vs Kinro 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.
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.
- Professional Liability / E&O. Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. 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.
