AIG vs CFC: 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.

CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property product. ^8,9Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.

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The reviewed property & casualty page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. ^8,9Not publicly disclosed. Property & casualty product page and brochure as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for this product would need to come from the quote or declarations.

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.

CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies for this product, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ⁹Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists, published for the combined property & casualty product; actual acceptance depends on individual underwriting.

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.

CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. ⁹Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued.

Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. ⁹Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting.

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.

CFC's brochure lists a property limit of up to $10,000,000 for this policy; the casualty limit is published separately for the general-liability side of the same product. ⁹Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting.

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.

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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.

CFC lists a named Claims Team Leader for Property and Casualty on its claims team, indicating the property line has its own claims handler rather than being routed through a generalist adjuster. ¹⁰Company-reported. CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to property.