--- title: "AIG vs The Baldwin Group: Builders Risk Insurance" description: "AIG describes tailored builders risk coverage and risk engineering; The Baldwin Group lists project budgeting, safety, claims advocacy, and loss-control services for real-estate clients." canonical: "https://spot.insure/compare/aig-vs-baldwin/builders-risk" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-baldwin" provider-a: "aig" provider-b: "baldwin" 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-baldwin/builders-risk) ## Agent Guide **What this page is:** Focused comparison of AIG and The Baldwin Group 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 The Baldwin Group. 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 The Baldwin Group for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, AIG or The Baldwin Group? - What does AIG or The Baldwin Group publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from AIG or The Baldwin Group? **Key facts:** - Line: Builders Risk Insurance. Providers: AIG and The Baldwin Group. - 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 The Baldwin Group](https://spot.insure/compare/aig-vs-baldwin) — 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) - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [AIG vs The Baldwin Group Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-baldwin/cargo-transit) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Commercial Auto Insurance](https://spot.insure/compare/aig-vs-baldwin/commercial-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Commercial Property Insurance](https://spot.insure/compare/aig-vs-baldwin/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aig-vs-baldwin/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/aig-vs-baldwin/cyber) — 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 The Baldwin Group Employee Health Benefits](https://spot.insure/compare/aig-vs-baldwin/employee-health-benefits) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-baldwin/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Fidelity Bonds](https://spot.insure/compare/aig-vs-baldwin/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) — 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 The Baldwin Group Inland Marine Insurance](https://spot.insure/compare/aig-vs-baldwin/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-baldwin/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Management Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/management-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-baldwin/representations-warranties) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-baldwin/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Builders Risk Insurance](https://spot.insure/compare/aig-vs-alliance-risk/builders-risk) — 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 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 The Baldwin Group: How Do They Compare for Builders Risk Insurance? AIG describes tailored builders risk coverage and risk engineering; The Baldwin Group lists project budgeting, safety, claims advocacy, and loss-control services for real-estate clients. ## Research Scope and Use Use this comparison to evaluate AIG and The Baldwin Group 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 tailored coverage for construction risks, including a standstill and term-extension example. The Baldwin Group describes builders risk brokerage and a broader real-estate service set that includes budgeting, safety procedures, loss control, and claims advocacy. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate 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 the Baldwin Group? Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [4](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [5](https://baldwin.com/business-insurance/ "Business Insurance") [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) ## 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. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [11](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 ### Coverage Examples and Brokerage Scope AIG’s product page discusses project-specific tailoring and illustrates a standstill with an extension for the expected remaining term. The Baldwin Group describes a brokerage and advisory role for builders risk, without naming an insurer or a particular project form. If a project may pause, ask AIG how that extension would appear in policy wording; ask The Baldwin Group which carrier and form it would seek for the same schedule risk. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") ### Construction Support Around the Policy AIG says risk engineers can work with clients on loss-prevention improvements and customized plans. The Baldwin Group lists project insurance budgeting, contract support, safety procedures, loss-control surveys, and claims advocacy for real-estate clients. Those services address different stages of construction; ask whether AIG’s engineering or Baldwin’s claims consultants are included for your account and who coordinates with the contractor. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") ## What to Confirm in Builders Risk Insurance Quotes - Ask AIG whether its standstill and remaining-term example can be considered for your dates and what policy conditions apply. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") - Ask The Baldwin Group to identify the proposed issuing insurer, builders risk form, and any inland marine or soft-cost components. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") - Confirm the cost and availability of AIG engineering and Baldwin loss-control and claims support for the project. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") ## Offering Details | Criteria | AIG Builders Risk | Baldwin Builders Risk Brokerage and Risk Advisory | | --- | --- | --- | | 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..) | The source describes The Baldwin Group’s brokerage or advisory role for Builders Risk Brokerage and Risk Advisory. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | | 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..) | Baldwin’s real-estate page names developers, owners, managers, merchant builders, community associations, REITs, lenders, private equity and family offices; the digital-infrastructure page separately lists builders’ risk as a potential coverage consideration. These are audiences and practice scopes, not eligibility approvals. [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | | 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..) | Baldwin describes builders’ risk as insurance for construction projects and lists builders’ risk and construction liability among real-estate construction services. It does not identify a carrier, project-specific form or granted policy terms. [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | | 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..) | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | | 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..) | Baldwin describes project insurance budgeting, contract support, safety procedures, proactive risk management, loss-control surveys, claims advocacy and dedicated claims consultants for real-estate clients. [6](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [7](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | | 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..) | Confirm in your quote. | ## Full Comparison - [AIG vs The Baldwin Group](https://spot.insure/compare/aig-vs-baldwin): 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 The Baldwin Group Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-baldwin/cargo-transit) - [AIG vs The Baldwin Group Commercial Auto Insurance](https://spot.insure/compare/aig-vs-baldwin/commercial-auto) - [AIG vs The Baldwin Group Commercial Property Insurance](https://spot.insure/compare/aig-vs-baldwin/commercial-property) - [AIG vs The Baldwin Group Crime Insurance](https://spot.insure/compare/aig-vs-baldwin/crime) - [AIG vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/aig-vs-baldwin/cyber) - [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers) - [AIG vs The Baldwin Group Employee Health Benefits](https://spot.insure/compare/aig-vs-baldwin/employee-health-benefits) - [AIG vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/employment-practices) - [AIG vs The Baldwin Group Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-baldwin/equipment-breakdown) - [AIG vs The Baldwin Group Fidelity Bonds](https://spot.insure/compare/aig-vs-baldwin/fidelity-bonds) - [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) - [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability) - [AIG vs The Baldwin Group Inland Marine Insurance](https://spot.insure/compare/aig-vs-baldwin/inland-marine) - [AIG vs The Baldwin Group Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-baldwin/kidnap-ransom) - [AIG vs The Baldwin Group Management Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/management-liability) - [AIG vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions) - [AIG vs The Baldwin Group Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-baldwin/representations-warranties) - [AIG vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-baldwin/workers-compensation) - [AIG vs Alliance Risk Builders Risk Insurance](https://spot.insure/compare/aig-vs-alliance-risk/builders-risk) - [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/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. ### The Baldwin Group 4. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28. 5. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28. 6. [Digital Infrastructure](https://baldwin.com/business-insurance/industries/digital-infrastructure/). The Baldwin Group; “Products designed to perform,” lines 145–178, lists property, builders’ risk, equipment breakdown, workers’ compensation, commercial general liability, commercial auto, cyber, inland/ocean marine, management liability, umbrella/excess, and other lines for digital-infrastructure exposures; accessed 2026-09-29.. Accessed 2026-09-30. 7. [Commercial Real Estate Insurance & Risk Management](https://baldwin.com/business-insurance/industries/real-estate/). The Baldwin Group; “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29.. Accessed 2026-09-30. ### Builders Risk Insurance Guide 8. [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. 9. [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. 10. [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. 11. [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). ## The Baldwin Group Reviews Review Score: not enough ratings. The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-baldwin/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)