--- title: "AIG vs WithCoverage: General Liability Insurance" description: "AIG lists GL within selected named programs, while WithCoverage audits existing GL policies for construction and restaurant clients." canonical: "https://spot.insure/compare/aig-vs-withcoverage/general-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-withcoverage" provider-a: "aig" provider-b: "withcoverage" coverage-line: "general-liability" --- 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-withcoverage/general-liability) ## Agent Guide **What this page is:** Focused comparison of AIG and WithCoverage for General Liability 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 General Liability Insurance questions about AIG versus WithCoverage. 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 WithCoverage for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, AIG or WithCoverage? - What does AIG or WithCoverage publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from AIG or WithCoverage? **Key facts:** - Line: General Liability Insurance. Providers: AIG and WithCoverage. - 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 WithCoverage](https://spot.insure/compare/aig-vs-withcoverage) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence) - [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) — provider profile (evidence) - [AIG vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aig-vs-withcoverage/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/aig-vs-withcoverage/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs WithCoverage Product Liability Insurance](https://spot.insure/compare/aig-vs-withcoverage/product-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs WithCoverage Product Recall Insurance](https://spot.insure/compare/aig-vs-withcoverage/product-recall) — sibling comparison (other line, or other pair for this line) - [AIG vs WithCoverage Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-withcoverage/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [AIG vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-withcoverage/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk General Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Amelia Risk General Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Beazley General Liability Insurance](https://spot.insure/compare/aig-vs-beazley/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line) # AIG vs WithCoverage: How Do They Compare for General Liability Insurance? AIG lists GL within selected named programs, while WithCoverage audits existing GL policies for construction and restaurant clients. ## Research Scope and Use Use this comparison to evaluate AIG and WithCoverage for General Liability 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’s directory identifies GL within named programs; WithCoverage offers a program audit that reviews existing GL without requiring a broker change. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") ## 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 WithCoverage? WithCoverage suits growing businesses that want a policy audit without first changing brokers, followed by ongoing risk-manager support; firms seeking instant self-service should compare digital agencies. Its review compares coverage, limits and premiums with market benchmarks. [4](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [5](https://www.withcoverage.com/company "About WithCoverage") [6](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B") [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) ## What Is General Liability Insurance? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## Key Differences in General Liability Insurance ### Program placement and existing-policy review AIG’s directory lists GL components for defined program audiences including crane operators, manufactured housing and towing. WithCoverage includes GL in insurance-program audits for construction and restaurant clients and says its review can happen without moving away from the current broker. For a business already insured, the audit offers a way to examine current GL first; an AIG program quote is a separate placement question for eligible classes. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") ### Audit scope before a move WithCoverage says it benchmarks existing GL alongside other policies and can place or transition coverage. AIG describes administrator underwriting, claims and loss-control resources for its programs. If the audit identifies a gap or proposed move, ask for the exact policy form and endorsements from WithCoverage’s proposed market and the AIG administrator, then compare them against the expiring policy. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") ### Audit turnaround is not binding WithCoverage says its no-cost audit is typically completed within about one business day after it receives documents. AIG’s directory does not provide a quote or bind timeline. Do not equate the audit turnaround with new coverage being bound: request the insurer, effective date, limits, deductible and any required broker-of-record change before deciding. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") ## What to Confirm in General Liability Insurance Quotes - Does an AIG named program accept your operations, and what terms differ from your current GL policy? - What does WithCoverage’s audit identify, which replacement market is proposed, and what steps change the broker or effective date? ## Offering Details | Criteria | AIG General Liability Within Named Programs | WithCoverage General Liability Program Review | | --- | --- | --- | | Role in This Line | This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | WithCoverage is a broker, not an insurer; it reviews general liability coverage as part of a broader insurance-program audit across multiple industries it serves, including construction and restaurants, and can place or transition the coverage. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") [9](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations..) | | Issuing Insurer | Confirm in your quote. | The reviewed pages do not name which insurer or insurers WithCoverage places general liability coverage with for any given client. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Not found in reviewed sources; scope: Construction and restaurant pages as read on 2026-09-23..) | | Who It’s For | AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | Confirm in your quote. | | Coverage Features | The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | General liability is explicitly listed among the policies WithCoverage says it reads and benchmarks during a program audit, and is named in the page hero for both construction and restaurant clients specifically. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Program-audit FAQ, repeated identically across WithCoverage's industry pages; hero copy on construction and restaurant pages..) | | Limits and Retentions | No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | Confirm in your quote. | | Risk Services | AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | A named restaurant client, Bluestone Lane, is quoted saying WithCoverage saved it more than $139,000 on business insurance while the business grew year over year, and that WithCoverage's team of hospitality experts provides proactive advice. [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Customer testimonial on the restaurant industry page; describes the overall program including general liability, not a general-liability-only figure, and is a single client's self-reported experience..) | | How to Apply | Confirm in your quote. | WithCoverage offers a no-cost program audit that includes general liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and restaurant page FAQs..) | ## Full Comparison - [AIG vs WithCoverage](https://spot.insure/compare/aig-vs-withcoverage): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [AIG vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aig-vs-withcoverage/builders-risk) - [AIG vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/aig-vs-withcoverage/commercial-property) - [AIG vs WithCoverage Product Liability Insurance](https://spot.insure/compare/aig-vs-withcoverage/product-liability) - [AIG vs WithCoverage Product Recall Insurance](https://spot.insure/compare/aig-vs-withcoverage/product-recall) - [AIG vs WithCoverage Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-withcoverage/umbrella-excess) - [AIG vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-withcoverage/workers-compensation) - [AIG vs Alliance Risk General Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/general-liability) - [AIG vs Amelia Risk General Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/general-liability) - [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability) - [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability) - [AIG vs Beazley General Liability Insurance](https://spot.insure/compare/aig-vs-beazley/general-liability) - [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) ## 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. [AIG Programs Insurance](https://www.aig.com/home/risk-solutions/business/aig-programs). AIG; Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680.. Accessed 2026-09-30. ### WithCoverage 4. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15. 5. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15. 6. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15. 7. [Construction Insurance & Risk Management](https://www.withcoverage.com/industries/construction). WithCoverage; Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Have Questions? program-audit FAQ listing General Liability among reviewed policies. Accessed 2026-09-23. 8. [Restaurant Insurance & Risk Management](https://www.withcoverage.com/industries/restaurants). WithCoverage; Hero: "One gap in general liability, liquor liability, or workers' comp can erase a year of service"; Rackson/Bluestone Lane testimonial; Have Questions? program-audit FAQ listing General Liability among reviewed policies. Accessed 2026-09-23. 9. [Terms & Conditions](https://www.withcoverage.com/legal/terms). WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23. ### General Liability Insurance Guide 10. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16. 12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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). ## WithCoverage Reviews Review Score: not enough ratings. We found no independent rating for WithCoverage, so there is no Review Score. Its only rating is a 4.8 out of 5 from 299 references that the company itself curates. - FeaturedCustomers: Customer reference rating 4.8 (out of 5); 299 reviews. Vendor-supplied customer references on a testimonial-marketing site; not an open consumer review platform. Checked 2026-09-29. [WithCoverage customer reviews and references](https://www.featuredcustomers.com/vendor/withcoverage) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/withcoverage/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-withcoverage/general-liability.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)