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. 1,2
What Is Coverdash Insurance?
Coverdash suits small businesses that want online shopping or an embedded partner purchase with one account for policies and billing; firms needing specialized complex-risk advice should compare broker-led programs. 4,5,6
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 9,10,11
Key Differences in Commercial Property Insurance
Broad commercial property offering versus digitally quoted small-business coverage
AIG names hospitals, universities, and global manufacturers among its potential property customers and describes risk engineers who work on loss mitigation. Coverdash brokers standalone property for small businesses, startups, and e-commerce sellers with buildings or leased spaces, equipment, or inventory. A small buyer can ask Coverdash about its digital quote-to-purchase route; larger or more complex schedules should ask AIG’s broker about its risk engineering and program structure. 3 7
AIG engineering and Coverdash standalone choice
AIG describes property insurance for business assets; Coverdash sells property as a standalone product, separate from its BOP that bundles property, general liability, and business interruption. Coverdash also describes a digital quote-to-purchase process and optional additions such as equipment breakdown. Buyers can compare a focused property policy with a package, but should check which interruption coverage is actually in each quote. 3 7
What to Confirm in Commercial Property Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
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.[1][2]
Read AIG reviewsCoverdash
Review Score
2 rated sources
Coverdash offers convenient quote comparison, but public customer feedback is sparse. A BBB unanswered-complaint record makes responsiveness worth checking before purchase.[1][4][6]
Read Coverdash reviewsOffering Details
AIG vs Coverdash: Commercial Property Insurance: documented features by provider
| Criteria | AIG Commercial Property and Retail Property | Coverdash Commercial Property Insurance |
|---|---|---|
| Role in This Line | 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. | Coverdash arranges standalone commercial property coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. 6,7Company-reported. General brokerage terms applied to the commercial property page; not specific to any one carrier or state. |
| Issuing Insurer | Confirm in your quote. | The commercial property page does not name the insurer that issues the policy. 7Not publicly disclosed. Reviewed commercial property page as of 2026-09-23; the page describes coverage without naming a specific carrier. |
| Who It’s For | 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. | Coverdash markets commercial property to small businesses, startups and e-commerce sellers that own or lease a space or keep equipment and inventory, citing examples including manufacturers, retailers, restaurants and hotels. 7Company-reported. Product-page eligibility description; actual acceptance depends on underwriting. |
| Coverage Features | 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. | Coverdash describes commercial property as covering the building a business owns or leases (including fixtures and improvements), equipment and contents such as machinery and computers, and inventory and stock, against perils including fire, theft, vandalism and many weather events. 7Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions. Coverdash sells commercial property as a standalone product separate from its business owner's policy, which bundles property coverage with general liability and business interruption. 7Company-reported. Comparison of the commercial-property and business-owner's-policy product pages; does not establish which option costs less for a given business. |
| Limits and Retentions | 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 commercial property page does not publish specific limit, retention or deductible amounts, or a schedule for insuring buildings versus contents separately. 7Not publicly disclosed. Reviewed commercial property page as of 2026-09-23; figures are quote-specific and not shown on the public product page. |
| Risk Services | 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. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Coverdash describes a fully digital quote-to-purchase process for commercial property, with the option to add coverages such as equipment breakdown, general liability or workers' compensation alongside it. 7Company-reported. Product-page company information and cross-sell section. |
| Claims Support | 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. | Confirm in your quote. |
Full Comparison
More AIG vs Coverdash Comparisons
Other Commercial Property Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Commercial Property Insurance. AIG US; Property risk description and customer examples, lines 242–245; claims, risk engineering and Retail Property solutions, lines 250–276; general property examples and actual-policy caveat, lines 298–303; legal footer, lines 348–351. Accessed 2026-09-30.
Coverdash
- Frequently Asked Questions. Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
- About Us. Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
- Terms And Conditions. Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
- Commercial Property Insurance. Coverdash; Product introduction; Types of Coverage cards for Buildings, Equipment and contents, Inventory and stock, Covered perils; Who It's For industry list. Accessed 2026-09-23.
- Coverage Hub. Coverdash; Core Business category listing General Liability, Business Owner's Policy, Commercial Property and Workers' Comp. Accessed 2026-09-23.
Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
