--- title: "AIG vs StartupInsurance.ai: D&O Insurance" description: "AIG offers D&O forms, while StartupInsurance.ai focuses on venture-backed founders and checks for AI exclusions." canonical: "https://spot.insure/compare/aig-vs-startupinsurance/directors-officers" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-startupinsurance" provider-a: "aig" provider-b: "startupinsurance" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/aig-vs-startupinsurance/directors-officers) ## Agent Guide **What this page is:** Focused comparison of AIG and StartupInsurance.ai for D&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 D&O Insurance questions about AIG versus StartupInsurance.ai. 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 StartupInsurance.ai for D&O Insurance: how do they differ? - Which is better for D&O Insurance, AIG or StartupInsurance.ai? - What does AIG or StartupInsurance.ai publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from AIG or StartupInsurance.ai? **Key facts:** - Line: D&O Insurance. Providers: AIG and StartupInsurance.ai. - 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 StartupInsurance.ai](https://spot.insure/compare/aig-vs-startupinsurance) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence) - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile (evidence) - [AIG vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/aig-vs-startupinsurance/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/aig-vs-startupinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/aig-vs-startupinsurance/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/aig-vs-startupinsurance/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai Product Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/product-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk D&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Amelia Risk D&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon D&O Insurance](https://spot.insure/compare/aig-vs-aon/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Beazley D&O Insurance](https://spot.insure/compare/aig-vs-beazley/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line) # AIG vs StartupInsurance.ai: How Do They Compare for D&O Insurance? AIG offers D&O forms, while StartupInsurance.ai focuses on venture-backed founders and checks for AI exclusions. ## Research Scope and Use Use this comparison to evaluate AIG and StartupInsurance.ai for D&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 offers standalone or modular D&O. StartupInsurance.ai targets startups whose term sheets require board protection and says its free policy check reviews D&O policies for AI exclusions and contract gaps. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## 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 StartupInsurance.ai? StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. [4](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) ## What Is Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [9](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [10](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## Key Differences in D&O Insurance ### Startup timing and AI exclusions AIG offers D&O for executive and governance risks, standalone or modularly with other management-liability coverages. StartupInsurance.ai frames the line around venture-backed startups whose investor term sheets require board protection and says it reviews policies for blanket AI exclusions, including endorsements that may arrive at renewal. Its free check is described as covering AI exclusions and contract gaps within 48 hours. For a startup using AI, ask how that review applies to a proposed AIG form and whether any exclusion is attached. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ### Buying and policy review AIG links to Management and Professional Liability applications and national contacts. StartupInsurance.ai places D&O through ContractorNerd Insurance Services as agent or broker of record and also offers a digital intake with D&O first in its coverage checklist. That gives founders an online starting point plus a separate policy-review service, while the actual insurer still controls the wording and terms. Request the carrier identity and review any AI endorsement before binding or renewal. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## What to Confirm in D&O Insurance Quotes - Ask StartupInsurance.ai which carrier and endorsement are proposed, and what documents its 48-hour review covers. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - Ask AIG whether any AI exclusion or sublimit applies at issue or renewal. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") ## Offering Details | Criteria | AIG Directors & Officers Liability | StartupInsurance.ai Directors & Officers (D&O) Insurance | | --- | --- | --- | | Role in This Line | AIG offers D&O standalone or modular with other management-liability coverages. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") (Evidence: Company-reported; scope: AIG management-liability portfolio. Claim limitation: Combination availability can vary by account and jurisdiction. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | StartupInsurance.ai lists directors and officers coverage among the lines its startup program places, and its homepage cites an investor's term-sheet request for D&O as a typical reason a founder comes to it. ContractorNerd Insurance Services, LLC arranges the placement as agent/broker of record rather than underwriting it. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Homepage coverage list and "the problem" narrative, plus ContractorNerd's terms and conditions on its producer role; does not describe a specific D&O policy's terms..) | | Issuing Insurer | Confirm in your quote. | The homepage's carrier panel names insurers with D&O capacity, such as Chubb (shown as A++ Admitted) and Coalition (shown as A- Surplus), but does not state that either one specifically underwrites D&O placements; the issuing insurer varies by placement. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel and ratings card; the panel is program-wide, not broken out by coverage line..) | | Who It’s For | Confirm in your quote. | StartupInsurance.ai frames D&O as coverage founders typically need once an investor's term sheet requires it, positioning the line for venture-backed startups with a board rather than pre-revenue companies with no outside investors. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage narrative example; not a stated underwriting eligibility rule (e.g., minimum funding stage or headcount)..) | | Coverage Features | AIG describes D&O protection for executive and corporate-governance exposures. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") (Evidence: Company-reported; scope: AIG management liability product page. Claim limitation: Policy terms and coverage triggers control; no policy form reviewed here. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | StartupInsurance.ai says one major carrier added a blanket AI exclusion to D&O (along with E&O and fiduciary forms), typically arriving at renewal inside an endorsement, and that it reviews policies for this exclusion as part of its free check. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed D&O policy carries this specific endorsement..) | | Risk Services | Confirm in your quote. | StartupInsurance.ai's free policy check reviews an existing program for AI exclusions and contract gaps within 48 hours, and the homepage specifically calls out D&O as one of the forms affected by the AI-exclusion trend it checks for. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's D&O policy..) | | How to Apply | AIG links to application forms for its Management and Professional Liability products and provides contact information for its national product and distribution teams. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") (Evidence: Company-reported; scope: The Forms and Applications and national product/distribution contact sections on AIG’s US D&O product page. Claim limitation: The page supports form access and team contact information. It does not establish that application or placement must be routed through a broker, whether buyers or brokers submit a form, or any online quote/bind path. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | Directors & Officers (D&O) is the first coverage box on StartupInsurance.ai's online quote-intake screen, described there as coverage that "protects your board and executives from lawsuits." [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) | ## Full Comparison - [AIG vs StartupInsurance.ai](https://spot.insure/compare/aig-vs-startupinsurance): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [AIG vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/aig-vs-startupinsurance/builders-risk) - [AIG vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/aig-vs-startupinsurance/commercial-auto) - [AIG vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/aig-vs-startupinsurance/commercial-property) - [AIG vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/fiduciary) - [AIG vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/general-liability) - [AIG vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/aig-vs-startupinsurance/inland-marine) - [AIG vs StartupInsurance.ai Product Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/product-liability) - [AIG vs Alliance Risk D&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/directors-officers) - [AIG vs Amelia Risk D&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/directors-officers) - [AIG vs Aon D&O Insurance](https://spot.insure/compare/aig-vs-aon/directors-officers) - [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers) - [AIG vs Beazley D&O Insurance](https://spot.insure/compare/aig-vs-beazley/directors-officers) - [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers) ## 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. [Directors & Officers (D&O) Liability Insurance | AIG US](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability). AIG US; D&O product overview; modular coverage; Forms and Applications; Brokers: Meet Your AIG Team, lines 311–320. Accessed 2026-09-28. ### StartupInsurance.ai 4. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16. 5. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; The problem (“An investor's term sheet asked for D&O”); Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23. 6. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Directors & Officers (D&O) — “Protects your board and executives from lawsuits”. Accessed 2026-09-23. 7. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23. ### D&O Insurance Guide 8. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 9. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 10. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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). ## StartupInsurance.ai Reviews Review Score: not enough ratings. StartupInsurance.ai 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/startupinsurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-startupinsurance/directors-officers.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)