AIG vs Embroker: Professional Liability / E&O Insurance

What Are the Key Differences Between AIG and Embroker Professional Liability (E&O) Insurance?

Claim Allegations and Exclusions

AIG describes coverage intended for negligence claims arising from professional services and third-party economic loss. Embroker’s offering record lists covered E&O allegations and identifies exclusions, giving buyers concrete issues to compare against AIG’s form. Ask each placement to address the same client dispute scenarios; broad category names do not show whether the policy treats contract disputes, cyber incidents or known claims alike. [1] [2]

Placement and Limits

AIG markets a customizable entity policy, while Embroker arranges coverage through a brokerage and publishes limit parameters for its offering. The actual issuer and terms should appear on the quote. A firm comparing the two should align the limits, retention and defense-cost treatment, then confirm the carrier and whether Embroker’s stated maximum applies to its profession. [1] [2]

What Should You Confirm in AIG and Embroker Professional Liability (E&O) Insurance Quotes?

Ask AIG to state limits, retention, prior-acts terms and the specific professional-services wording. [1]
Ask Embroker to identify the carrier and verify which listed exclusions and published limits apply to your business. [2]

Areas of coverage

AIG

role: 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. AIG’s U.S. Professional Liability page. The page describes the marketed product family, not the legal insurer on an individual quote or policy.company-reportedSource ↗
eligibility: 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. Company-described target customer and customization statement. The reviewed page does not provide a complete class appetite or state availability list.company-reportedSource ↗
coverage: 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. AIG’s marketing description of specialty professional E&O; no policy form or endorsement was reviewed.company-reportedSource ↗
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. 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.company-reportedSource ↗
limits: 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. AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed.not-disclosedSource ↗

Embroker

role: Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. Product-page description; not a statement about the issuing insurer.company-reportedSource ↗
eligibility: Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.company-reportedSource ↗
coverage: Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. Product-page What's covered section; the issued policy and declarations control.company-reportedSource ↗
coverage: Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.company-reportedSource ↗
limits: Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting.company-reportedSource ↗
application: Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.company-reportedSource ↗

AIG describes professional E&O for alleged negligent services; Embroker publishes specific covered allegations, exclusions and a quote route for its brokered offering.

Sources reviewed

01
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
02
Professional Liability Insurance Coverage & Quotes
Embroker · Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible? · accessed 2026-09-23
03
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
04
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
05
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
06
Get business insurance
U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16