--- title: "AIG vs Alliance Risk: Builders Risk Insurance" description: "AIG describes standstill extensions and loss-control support; Alliance Risk bundles off-site and in-transit materials into its builders risk placements." canonical: "https://spot.insure/compare/aig-vs-alliance-risk/builders-risk" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-alliance-risk" provider-a: "aig" provider-b: "alliance-risk" coverage-line: "builders-risk" --- 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-alliance-risk/builders-risk) ## Agent Guide **What this page is:** Focused comparison of AIG and Alliance Risk for Builders Risk 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 Builders Risk Insurance questions about AIG versus Alliance Risk. 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 Alliance Risk for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, AIG or Alliance Risk? - What does AIG or Alliance Risk publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from AIG or Alliance Risk? **Key facts:** - Line: Builders Risk Insurance. Providers: AIG and Alliance Risk. - 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 Alliance Risk](https://spot.insure/compare/aig-vs-alliance-risk) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence) - [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence) - [AIG vs Alliance Risk Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cargo-transit) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Commercial Auto Insurance](https://spot.insure/compare/aig-vs-alliance-risk/commercial-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Commercial Property Insurance](https://spot.insure/compare/aig-vs-alliance-risk/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Crime Insurance](https://spot.insure/compare/aig-vs-alliance-risk/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Cyber Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cyber) — 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 Alliance Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-alliance-risk/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary) — 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 Alliance Risk Inland Marine Insurance](https://spot.insure/compare/aig-vs-alliance-risk/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Management Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/management-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Media Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/media) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Product Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/product-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Product Recall Insurance](https://spot.insure/compare/aig-vs-alliance-risk/product-recall) — 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 Alliance Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-alliance-risk/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs Chubb Builders Risk Insurance](https://spot.insure/compare/aig-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line) # AIG vs Alliance Risk: How Do They Compare for Builders Risk Insurance? AIG describes standstill extensions and loss-control support; Alliance Risk bundles off-site and in-transit materials into its builders risk placements. ## Research Scope and Use Use this comparison to evaluate AIG and Alliance Risk for Builders Risk 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 project-specific standstill extensions and risk-engineering support. Alliance Risk says its builders risk placement can include inland marine protection for tools and materials away from the site, alongside course-of-construction coverage. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk 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 Alliance Risk? Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. [4](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [5](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) ## What Is Builders Risk Insurance? Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [12](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet") ## Key Differences in Builders Risk Insurance ### Project Extensions and Materials Away From the Site AIG describes tailoring coverage when construction stops, including an example of extending protection for the expected remaining project term. Alliance Risk describes a different project concern: its course-of-construction placement can be paired with inland marine coverage for tools, machinery, and materials in transit or stored off-site. For a delayed build, ask AIG whether the standstill extension fits your schedule; for equipment moving between locations, ask Alliance Risk to list those items and locations on the quote. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") ### Risk Engineering and Project Review AIG says its engineers can prepare loss-control reports and customized prevention plans. Alliance Risk describes a collaborative project review that benchmarks timeline, geography, materials, and subcontractor risk. A project team could use either service before binding, but the providers describe different work products; confirm which site visits, reports, and follow-up are included for your project. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") ## What to Confirm in Builders Risk Insurance Quotes - Ask AIG to state the conditions and dates that would trigger a standstill extension, and ask Alliance Risk whether off-site storage and transit locations will be scheduled. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") - Request AIG’s available loss-control reports and Alliance Risk’s project-risk benchmarking scope, including who will participate. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") - Neither page gives your project’s limits or deductible; get those amounts and any soft-cost sublimits in writing. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") ## Offering Details | Criteria | AIG Builders Risk | Alliance Risk Builders Risk Insurance | | --- | --- | --- | | Role in This Line | AIG markets Builders Risk as a construction property insurance solution for single projects and master programs. AIG is the marketing name; the page says products are written or provided by AIG subsidiaries or affiliates and does not identify the issuing company for a particular policy. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: AIG’s U.S. Builders Risk product page and its general legal footer. This establishes AIG’s marketed product and issuer structure, not the insurer on an individual quote, binder or policy..) | Alliance Risk, described on its site as a brokerage, arranges builders risk placements through what it calls "strong carrier partnerships"; the builders risk page does not name a specific issuing insurer. [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") [8](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: Builders risk product page and the general brokerage disclosure on the coverage catalogue page..) | | Who It’s For | The page describes solutions for a range of construction projects, including small, mid-sized and complex projects, and says AIG develops domestic, multinational and multi-year arrangements. It also describes customized options for wood-frame structures. These are marketed capabilities, not eligibility guarantees. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Project types and program configurations stated on AIG’s U.S. Builders Risk page. The page does not provide a complete underwriting appetite or state-by-state availability schedule..) | Alliance Risk lists property owners, real estate investors, developers, general contractors, construction managers, and architecture and engineering firms as common builders risk buyers. [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") (Evidence: Company-reported; scope: Builders risk product page, Who Needs Builders Risk Insurance? section..) | | Coverage Features | AIG describes tailoring project coverage to construction risks and gives an example of arranging coverage for a project standstill and an extension for the expected remaining project term. These examples do not establish that any buyer is entitled to a standstill extension or that it is included in a policy. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: AIG’s illustrative Builders Risk marketing examples. The page directs interested buyers to the actual policy for coverage scope, limitations, terms, conditions and exclusions..) | Alliance Risk's builders risk offering bundles inland marine coverage for tools, machinery and materials in transit or stored off-site alongside the course-of-construction policy, and supports OCIP, CCIP and wrap-up structures for multi-party projects. [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") (Evidence: Company-reported; scope: Builders risk product page; actual policy structure depends on the carrier and the policy as issued..) | | Limits and Retentions | The reviewed product page does not state a standard policy limit, deductible or retention. AIG says coverage depends on the actual policy language; confirm the applicable amounts and conditions in the quote and issued policy. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Not publicly disclosed; scope: AIG’s U.S. Builders Risk marketing page as reviewed on 2026-09-30. No buyer-specific quote, declarations or policy form was reviewed; this is not a finding that such terms are unavailable from AIG..) | Alliance Risk's builders risk page does not publish specific policy limits, deductibles or soft-cost sublimits. It contains inconsistent percentage and dollar premium illustrations—1%–4% of total construction value and $25,000–$100,000 on a $5 million build—that cannot be used as a reliable budget or quote. [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") (Evidence: Not publicly disclosed; scope: Builders risk product page as read on 2026-09-23; the published premium illustrations are inconsistent and are not a reliable estimate..) | | Risk Services | AIG says its risk engineers can work with clients on loss-prevention improvements and customized service plans, including loss-control reports. The page describes these as risk services and does not make them policy coverage or a guaranteed loss outcome. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Company-described services on the U.S. Builders Risk page; availability for a particular account is not specified..) | Alliance Risk says its builders risk process includes project scope review and risk benchmarking across timeline, geography, materials and subcontractor risk, done in collaboration with the project owner, developer and contractor. [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") (Evidence: Company-reported; scope: Builders risk product page, Our Approach to Builders Risk section..) | | Claims Support | AIG states that, after property-damage coverage is confirmed, it promises working funds equal to 50% of its share of the agreed property-damage estimate within seven days. This is AIG’s stated claim-funding service condition; the page does not make it a general claim-payment deadline or establish policy entitlement for every loss. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Conditional company statement on the Builders Risk page. It applies only as described there and remains subject to the actual policy and claim circumstances..) | Alliance Risk says its construction claims team provides claims advocacy for builders risk policyholders from an initial loss through project closeout, aiming to reduce downtime and financial disruption. [7](https://joinalliancerisk.com/builders-risk-insurance/ "Builders Risk Insurance") (Evidence: Company-reported; scope: Builders risk product page, The Alliance Risk Difference section; outcome statements are company-reported and not independently verified..) | ## Full Comparison - [AIG vs Alliance Risk](https://spot.insure/compare/aig-vs-alliance-risk): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it. - [AIG vs Alliance Risk Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cargo-transit) - [AIG vs Alliance Risk Commercial Auto Insurance](https://spot.insure/compare/aig-vs-alliance-risk/commercial-auto) - [AIG vs Alliance Risk Commercial Property Insurance](https://spot.insure/compare/aig-vs-alliance-risk/commercial-property) - [AIG vs Alliance Risk Crime Insurance](https://spot.insure/compare/aig-vs-alliance-risk/crime) - [AIG vs Alliance Risk Cyber Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cyber) - [AIG vs Alliance Risk D&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/directors-officers) - [AIG vs Alliance Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/employment-practices) - [AIG vs Alliance Risk Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-alliance-risk/equipment-breakdown) - [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary) - [AIG vs Alliance Risk General Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/general-liability) - [AIG vs Alliance Risk Inland Marine Insurance](https://spot.insure/compare/aig-vs-alliance-risk/inland-marine) - [AIG vs Alliance Risk Management Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/management-liability) - [AIG vs Alliance Risk Media Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/media) - [AIG vs Alliance Risk Product Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/product-liability) - [AIG vs Alliance Risk Product Recall Insurance](https://spot.insure/compare/aig-vs-alliance-risk/product-recall) - [AIG vs Alliance Risk Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-alliance-risk/professional-errors-omissions) - [AIG vs Alliance Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-alliance-risk/workers-compensation) - [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk) - [AIG vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/builders-risk) - [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk) - [AIG vs Chubb Builders Risk Insurance](https://spot.insure/compare/aig-vs-chubb/builders-risk) - [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk) - [Alliance Risk vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/builders-risk) ## 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. [Builders Risk Insurance](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk). AIG US; ‘Why choose AIG Builders Risk Insurance?’ and ‘AIG Advantage’: lines 242–280, including project scope, tailored solutions, risk engineering and conditional claim-funding statement; policy-language and coverage caveat lines 365–366; legal footer lines 411–415.. Accessed 2026-09-30. ### Alliance Risk 4. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16. 5. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16. 6. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16. 7. [Builders Risk Insurance](https://joinalliancerisk.com/builders-risk-insurance/). Alliance Risk; Builders Risk Insurance That Keeps Your Projects on Track; Our Approach to Builders Risk; The Alliance Risk Difference; Who Needs Builders Risk Insurance?; How Much Does Builders Risk Insurance Cost?. Accessed 2026-09-23. 8. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23. ### Builders Risk Insurance Guide 9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 11. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16. 12. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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). ## Alliance Risk Reviews Review Score: not enough ratings. Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-alliance-risk/builders-risk.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)