AIG vs Aon: How Do They Compare for Commercial Property Insurance?

AIG markets commercial property insurance and identifies Retail Property as a product area. For domestic and global corporate and risk-management clients, the page describes both risk-transfer insurance and non-risk-transfer fronting or captive solutions; those structures are not the same as an insurance policy issued by AIG. ³Company-reported. AIG’s U.S. Commercial Property page. It does not identify the insurer or fronting company for a particular buyer’s placement.

Aon describes property brokerage and consulting and says brokers work with insurance carriers to build a property program. Aon is marketing a brokered placement and risk-management service; the page does not name the insurer for an individual placement. ⁶Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance.

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The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. ⁶Not found in reviewed sources. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available.

AIG names businesses including hospitals, universities and global manufacturing among the varied organizations for which it has property options. The page does not provide a complete eligible-class list or state-by-state availability schedule. ³Company-reported. Illustrative customer types on AIG’s U.S. Commercial Property page; examples do not establish an applicant’s eligibility.

Aon describes property-risk services for organizations seeking to protect property, buildings, contents and inventory. Its page is a global capability description and does not define an applicant eligibility schedule. ⁶Company-reported. Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state.

AIG describes commercial property insurance as protecting business physical property against unexpected events such as storm damage, theft and vandalism, and says coverage can extend to certain work-related contents such as office equipment, furniture, fixtures and inventory. These are examples; actual coverage depends on the facts and each policy’s terms, conditions and exclusions. ³Company-reported. General property description on AIG’s product page, not a summary of a specific policy or all covered causes of loss.

Aon describes commercial property insurance as protection against loss of property, buildings and contents or inventory from perils such as fire, natural catastrophe, theft and vandalism; it says insurance can also provide business-interruption coverage after property damage. These are general descriptions, not terms of a buyer’s policy. ⁶Company-reported. Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control.

The reviewed page does not state standard property limits, deductibles or retentions for a buyer. Confirm those amounts, covered causes and conditions in the quote and issued policy. ³Not publicly disclosed. AIG’s U.S. Commercial Property marketing page reviewed 2026-09-30; no buyer-specific quote or policy form was reviewed.

The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. ⁶Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed.

AIG says property risk engineers help clients identify and mitigate loss and that its engineers collaborate with clients on solutions tailored to risk factors. The page does not state that these services are included for every account or guarantee reduced losses. ³Company-reported. Company-described commercial property risk engineering; account-specific service availability is not stated.

Aon describes property brokerage and consulting for business interruption, captive integration, claims advocacy, catastrophe modeling, risk control and terrorism/crisis management. Its US-available Property Risk Analyzer models potential losses and insurance program options; tool availability does not establish placement availability. ⁶Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated.

AIG describes a dedicated Property claims team and a claims promise intended to enable prompt resolution. The page does not publish a service-level deadline or claim outcome guarantee. ³Company-reported. AIG’s company-reported general property claims description; no account-specific claims handling terms were reviewed.

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