---
title: "AIG vs Pie Insurance: Professional Liability (E&O) Insurance"
description: "AIG describes entity E&O for negligent professional services; Pie brokers small-business errors-and-omissions cover through carrier partners and provides a contact-led quote route."
canonical: "https://spot.insure/compare/aig-vs-pie-insurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-pie-insurance"
provider-a: "aig"
provider-b: "pie-insurance"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-pie-insurance/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of AIG and Pie Insurance for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about AIG versus Pie Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Pie Insurance for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, AIG or Pie Insurance?
- What does AIG or Pie Insurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from AIG or Pie Insurance?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: AIG and Pie Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Pie Insurance](https://spot.insure/compare/aig-vs-pie-insurance) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile (evidence)
- [AIG vs Pie Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-pie-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Pie Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-pie-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-pie-insurance/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-alliance-risk/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-aon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-at-bay/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-beazley/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# AIG vs Pie Insurance: How Do They Compare for Professional Liability (E&O) Insurance?

AIG describes entity E&O for negligent professional services; Pie brokers small-business errors-and-omissions cover through carrier partners and provides a contact-led quote route.

## Research Scope and Use

Use this comparison to evaluate AIG and Pie Insurance for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

AIG describes entity E&O for negligent professional services; Pie brokers small-business errors-and-omissions cover through carrier partners and provides a contact-led quote route. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## 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](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is Pie Insurance?

Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. [4](https://www.pieinsurance.com/legal "Legal") [5](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [6](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## 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](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [9](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [10](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [11](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### Coverage Subject and Carrier

AIG describes E&O for allegations of negligence in professional services, including third-party economic loss. Pie describes legal fees, costs and damages for claims that advice or services caused harm, such as inaccurate advice, misrepresentation or negligence, and says it works with carrier partners rather than underwriting. Buyers should compare the offered insurer and form to AIG’s policy, especially for criminal allegations, which Pie says are not covered. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

### Who Applies and How

AIG identifies public and private service providers but says eligibility depends on the specific applicant. Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real-estate agents as common E&O buyers. Pie directs prospects to contact it to start a quote, while AIG’s specialty placement can be tailored to services. Confirm occupation eligibility and whether the carrier accepts the exact work performed. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask AIG to identify the carrier, covered services and any criminal-act exclusion. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance")
- Ask Pie which partner carrier will quote your profession and provide its limits, deductible and exclusions. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## Offering Details

| Criteria | AIG Specialty Professional Liability (E&O) | Pie Errors and Omissions Insurance |
| --- | --- | --- |
| 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG’s U.S. Professional Liability page. The page describes the marketed product family, not the legal insurer on an individual quote or policy..) | Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Errors and Omissions product page as read on 2026-09-23..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Company-described target customer and customization statement. The reviewed page does not provide a complete class appetite or state availability list..) | Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: AIG’s marketing description of specialty professional E&O; no policy form or endorsement was reviewed..) | Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Not publicly disclosed; scope: 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, deductibles, or premium ranges for errors and omissions coverage. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Errors and Omissions product 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. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: 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. | Pie directs errors and omissions buyers to contact the company to start a quote through its website. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23..) |

## Full Comparison

- [AIG vs Pie Insurance](https://spot.insure/compare/aig-vs-pie-insurance): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [AIG vs Pie Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-pie-insurance/cyber)
- [AIG vs Pie Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-pie-insurance/general-liability)
- [AIG vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-pie-insurance/workers-compensation)
- [AIG vs Alliance Risk Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-alliance-risk/professional-errors-omissions)
- [AIG vs Aon Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-aon/professional-errors-omissions)
- [AIG vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-at-bay/professional-errors-omissions)
- [AIG vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions)
- [AIG vs Beazley Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-beazley/professional-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Professional Liability Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/professional-liability). 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.

### Pie Insurance

4. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
5. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
6. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/online-account-tutorial). Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
7. [Errors and Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; Errors and Omissions Insurance hero: also known as professional liability insurance...; professions that often carry E&O; What's typically covered by errors and omissions insurance? Inaccurate advice, Misrepresentation, Negligence, Violation of good faith; Make sure you're covered: Start now. Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

8. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). 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.
9. [Professional liability insurance](https://www.iii.org/article/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.
10. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
11. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). 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.

Updated 2026-09-30. 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](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Pie Insurance Reviews

Review Score: 1.7 / 10 from 2 rated sources, equally weighted.

Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.

- Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com)
- BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/pie-insurance/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-pie-insurance/professional-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)