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 RiskCube Insurance?
RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. 4,5,6
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 9,10,11
Key Differences in Employment Practices Liability Insurance
Startup Hiring and Applicant Fit
RiskCube describes EPLI as relevant to startups hiring their first employees or scaling a team rapidly and lists claims by current or former employees alleging wrongful termination, discrimination, harassment, or retaliation. AIG presents Employment Edge for employers and also lists applications for private companies, nonprofits, and financial institutions, without a startup-specific threshold. An early-stage company should ask RiskCube how its catalogue route translates into a quote; AIG applicants should confirm their entity type and hiring profile with underwriting. 7 3
Product Detail and Limit Terms
AIG’s overview names common employment allegations and describes risk-management expertise, but does not publish limits or retentions. RiskCube’s catalogue identifies the EPLI line but directs its Learn More link to a general contact form rather than a detailed EPL application page, and its reviewed pages also omit limits. Buyers should request an actual policy proposal from either provider and compare the full definitions, exclusions, and retention instead of relying on the short descriptions. 8 3
What to Confirm in Employment Practices 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 reviewsRiskCube
Review Score
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube reviewsOffering Details
AIG vs RiskCube: Employment Practices Liability Insurance: documented features by provider
| Criteria | AIG Employment Practices Liability Insurance | RiskCube Employment Practices Liability Insurance |
|---|---|---|
| Role in This Line | AIG markets Employment Edge and employment-practices liability options within its Financial Lines portfolio. A particular quote may use a standalone or package form; confirm the named insurer and form. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. 7Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail. |
| Who It’s For | AIG presents Employment Edge for employers and also lists EPL applications for private companies, nonprofits and financial institutions. The public page does not state a complete eligibility or jurisdiction schedule. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. 7Company-reported. Catalogue marketing description, not an underwriting eligibility rule. |
| Coverage Features | AIG describes protection against specified employment-practices claims, including discrimination, harassment and wrongful-retaliation allegations. The cited page’s examples are not a grant of buyer-specific policy coverage. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. 7Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line. |
| Limits and Retentions | No buyer-specific limit, retention or deductible can be determined from the public overview. Confirm those values and any sublimits in the quote and issued policy. 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 EPLI catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. 7,8Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote. |
| Risk Services | AIG describes underwriting, claims and risk-management expertise for employment-practices exposures. Its product resources include applications and loss-prevention material; account-specific service is not specified. 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. | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for EPLI (riskcubeai.com/insurance/epli) redirects to a general contact form rather than a dedicated page describing an EPLI-specific application flow, timeline or required intake information. 8Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later. |
Full Comparison
More AIG vs RiskCube Comparisons
Other Employment Practices 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.
- Employment Practices Liability Insurance. AIG; Official AIG Employment Practices Liability page: Employment Edge product, covered employment-claim categories, employer audience, policy options, risk-management and claims services; see its linked forms and policy caveat. Accessed 2026-09-30.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
- Startup Insurance Coverage. RiskCube; Employment Practices Liability card: "EPLI covers claims from current or former employees alleging wrongful termination, discrimination, harassment, or retaliation. Critical for startups hiring their first employees or scaling a team rapidly."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23.
- Contact RiskCube. RiskCube; The catalogue's Employment Practices Liability "Learn more" link resolves to a general contact form, not a dedicated EPLI product page. Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
