AIG vs Coverdash: How Do They Compare for Builders Risk Insurance?

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. ³Company-reported. 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.

Coverdash arranges builder's risk coverage as a broker rather than underwriting it, saying it compares quotes from multiple insurers and assigns each policyholder a dedicated advisor. ⁷Company-reported. Builder's risk product page; describes the brokerage model for this line, not a specific insurer's product.

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The builder's risk product page does not name the insurer that would issue a given policy; it describes only comparing quotes from Coverdash's panel of insurers. ⁷Not publicly disclosed. Page checked 2026-09-23; the issuing carrier for a specific quote is not disclosed here.

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. ³Company-reported. 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.

Coverdash markets builder's risk coverage to property owners, general contractors and developers, saying it's usually required by lenders and project agreements for a project from the ground up until it's complete. ⁷Company-reported. Who it's for section and FAQ; illustrative audience, not an exhaustive eligibility list.

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. ³Company-reported. AIG’s illustrative Builders Risk marketing examples. The page directs interested buyers to the actual policy for coverage scope, limitations, terms, conditions and exclusions.

Builder's risk coverage includes the building or structure while under construction or renovation, materials and supplies on-site, in transit and in storage, and common perils such as fire, theft and weather during the build. ⁷Company-reported. Types of Coverage section; subject to exclusions and terms in the policy as issued.

Coverdash includes soft costs as part of builder's risk coverage: indirect expenses from a covered delay, such as extra loan interest, permit fees and lost rent. ⁷Company-reported. Types of Coverage section and FAQ answer on soft costs.

Coverdash's FAQ says a builder's risk policy typically runs 3, 6 or 12 months, starting when work begins and ending when the project is complete and occupied; terms can be extended. ⁷Company-reported. FAQ answer on how long the policy lasts.

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. ³Not publicly disclosed. 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 builder's risk page and its FAQ describe policy duration and soft costs but do not publish limit amounts or deductibles for this line. ⁷Not publicly disclosed. Page checked 2026-09-23; limit and deductible figures were not found on this product page.

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. ³Company-reported. Company-described services on the U.S. Builders Risk page; availability for a particular account is not specified.

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You request a builder's risk quote through Coverdash's online form. Coverdash says a policy can be quoted, bought and managed digitally, and that every policy comes with a dedicated advisor from the first quote through renewal. ⁷Company-reported. Why work with Coverdash and the Get a quote call to action; quote speed and advisor availability are company-reported and not independently tested.

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. ³Company-reported. Conditional company statement on the Builders Risk page. It applies only as described there and remains subject to the actual policy and claim circumstances.

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