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 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. 7,8,9,10
Key Differences in Professional Liability (E&O) Insurance
What Each Record Says Is Covered
AIG describes professional E&O for claims alleging negligence in services rendered to others, including third-party economic loss. Liberty Mutual’s record identifies its professional-errors-and-omissions product and summarizes the policy’s coverage scope. Buyers should compare the actual definitions and exclusions, especially for contract allegations and economic loss, rather than treating the product titles as equivalent. 3 6
Customization and Quote Terms
AIG says it can tailor coverage to a company’s professional services. Liberty Mutual describes the businesses targeted by its offering. Those different levels of detail matter when an applicant’s work crosses several occupations: request confirmation that every service appears in the quote and obtain the insurer, limit and retention. 3 6
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 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: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | AIG Specialty Professional Liability (E&O) | Physicians & Surgeons Professional program |
|---|---|---|
| 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. | Liberty Mutual lists a Physicians & Surgeons Professional program, marked “PL Only,” in its specialty-program portfolio. 6Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| 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. | Liberty Mutual says its programs are managed by program administrators; the page provides program inquiry contact details. 6Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| 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. | The listing identifies professional liability only; it does not establish form terms, limits, exclusions or insurer for a quote. 6Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| 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. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. 6Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. |
Full Comparison
More AIG vs Liberty Mutual 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.
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.
- Programs. Liberty Mutual Business Insurance; ‘Our programs portfolio’ lists Auto Salvage/Dismantlers, Fire Suppression and Sprinkler Contractors, Nonprofits, Physicians & Surgeons Professional (PL only), Post-surgical for bariatric and plastic surgeries, Roofing Contractors, Scrap Metal Dealers, Self-storage, and Sports and Fitness. Page says programs are managed by program administrators; not a complete business catalogue. Accessed 2026-09-29.
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.
