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 Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 4,5
What Is Management Liability Insurance?
Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. 8,9,10,11,12,13
Key Differences in Management Liability Insurance
Liberty Mutual presents a combined package
AIG lists D&O, EPL, fiduciary, crime/fidelity and K&R products in its management-liability portfolio. Liberty Mutual describes ProShield as one package policy combining D&O, employment-practices, fiduciary and crime coverages, designed to reduce the need for separate endorsements. The published record describes private and nonprofit organizations as its intended audiences. A buyer seeking a multi-line package can compare ProShield’s bundled schedule with the specific AIG products needed, while confirming that each desired exposure is included. 3 6
AIG’s line list includes K&R; ProShield’s listed bundle does not
AIG’s portfolio includes kidnap-and-ransom alongside crime and executive coverages. Liberty Mutual’s ProShield description names D&O, EPL, fiduciary and crime, not K&R. That is a difference in the published package descriptions, not proof that Liberty Mutual cannot place K&R separately. Ask whether K&R can be added and how its terms relate to ProShield. 3 6
What to Confirm in Management 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 reviewsLiberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsOffering Details
AIG vs Liberty Mutual: Management Liability Insurance: documented features by provider
| Criteria | AIG Management & Professional Liability portfolio | Liberty Mutual ProShield Management Liability |
|---|---|---|
| Role in This Line | Confirm in your quote. | Liberty Mutual markets ProShield as a management-liability package combining D&O, employment-practices, fiduciary and crime coverages. 6,7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Who It’s For | AIG describes solutions for public, private and nonprofit organizations, financial institutions and professional services firms. 3Company-reported. AIG US product portfolio. Claim limitation: No individual revenue/industry/state eligibility established. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | The ProShield page identifies private and not-for-profit organizations as its intended audiences; industry-page listings do not establish universal eligibility. 6,7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Coverage Features | AIG’s portfolio includes D&O, EPL, fiduciary, crime/fidelity and kidnap-and-ransom products. 3Company-reported. AIG US management-liability portfolio. Claim limitation: Not proof every line can be bundled. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | The page describes selected features for the component lines, but does not establish the terms, limits or exclusions in an individual ProShield policy. 6,7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Limits and Retentions | Confirm in your quote. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 6,7Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | Confirm in your quote. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. 6,7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| How to Apply | AIG’s Management & Professional Liability portfolio page links to application forms and national product/distribution team contacts. 3Company-reported. Resources linked from the Management & Professional Liability portfolio page; the claim does not map a specific form to each named product. Claim limitation: The page does not identify which form applies to each named product, who submits applications, a mandatory broker route, eligibility, binding authority or the issuing affiliate. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Confirm in your quote. |
Full Comparison
More AIG vs Liberty Mutual Comparisons
Other Management 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.
- Management & Professional Liability Insurance | AIG US. AIG US; Products and solutions; Financial Lines applications; Forms and Applications; Brokers: Meet Your AIG Team, lines 327–336. Accessed 2026-09-28.
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- ProShield. Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. Accessed 2026-09-29.
- Professional services. Liberty Mutual Business Insurance; Opened September 29, 2026. Lines 129–138 list professional-services program coverages: GL with Services endorsement, property, commercial auto, workers compensation, umbrella/excess, D&O, professional liability, cyber, EPL and fidelity/crime. Lines 139–148 describe M&A transactional-liability solutions including representations and warranties, tax liability and contingent legal risk. These are professional-services industry positioning, not universal eligibility or standalone line terms; distribution and policy caveats at lines 164–176 and 234–236. Accessed 2026-09-29.
Management Liability Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
- Management Liability Insurance. The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
- The ForeFront Portfolio. Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage Application. Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16.
