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 Equipment Breakdown Insurance?
Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. 8,9,10,11
Key Differences in Equipment Breakdown Insurance
Failure Types and Equipment Scope
Coverdash describes sudden mechanical breakdown, electrical damage from surges or failures, repair or replacement, and income lost while equipment is down. Its examples include HVAC, refrigeration, computers, and production machinery. AIG’s directory lists equipment breakdown as a component in certain programs, including dental, leisure, motorsports, and community associations, without naming covered equipment or causes. A business with a specific machine or system should ask AIG which schedule applies and compare it with Coverdash’s stated internal-failure scope. 7 3
Quote Route and Policy Carrier
Coverdash compares quotes from multiple insurers and offers an online request with a dedicated advisor; the page does not name the eventual issuer. AIG’s public directory does not identify a universal standalone route, instead listing breakdown within selected programs. Buyers need to confirm who underwrites each proposal and whether external perils, routine wear, software failures, and business interruption are treated consistently across the quote terms. 7 3
What to Confirm in Equipment Breakdown 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: Equipment Breakdown Insurance: documented features by provider
| Criteria | AIG Equipment Breakdown in Named Programs | Coverdash Equipment Breakdown Insurance |
|---|---|---|
| Role in This Line | AIG’s directory documents equipment-breakdown coverage only as a component of specified programs in this draft. It does not support a claim that AIG offers the same terms as a broad standalone product. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Coverdash arranges equipment breakdown coverage as a broker rather than underwriting it, saying it compares quotes from multiple insurers and assigns each policyholder a dedicated advisor. 7Company-reported. Equipment breakdown product page; describes the brokerage model for this line, not a specific insurer's product. |
| Issuing Insurer | Confirm in your quote. | The equipment breakdown 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. |
| Who It’s For | The page lists equipment breakdown within certain named programs, including community associations, dental businesses, leisure, manufactured housing, motorsports and ski operations. It does not publish a general standalone equipment-breakdown eligibility schedule. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Coverdash markets equipment breakdown to any business relying on HVAC, refrigeration, computers or production equipment, saying it covers failures that standard property policies exclude. Its FAQ names restaurants, offices and manufacturers as examples. 7Company-reported. Who it's for section and FAQ; illustrative audience, not an exhaustive eligibility list. |
| Coverage Features | AIG lists Equipment Breakdown as a coverage component in the named program schedules. It does not publish covered equipment, causes of loss, waiting periods, limits or exclusions for an individual policy on this directory page. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Equipment breakdown coverage includes sudden mechanical breakdown of machinery, electrical damage from power surges and electrical failures, repair or replacement of the failed equipment, and reimbursement for income lost while the equipment is down. 7Company-reported. Types of Coverage section; subject to exclusions and terms in the policy as issued. Coverdash's FAQ distinguishes equipment breakdown from commercial property, which it says covers external causes like fire and theft, and from a manufacturer's warranty, which covers defects for a set period. It describes equipment breakdown as covering accidental internal failures, such as motor burnout, over the life of the equipment. 7Company-reported. FAQ answers on how equipment breakdown differs from property coverage and a warranty. |
| Limits and Retentions | The directory states no buyer-specific equipment-breakdown limit, deductible, waiting period or equipment schedule. Those remain dependent on the applicable program and policy form. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The equipment breakdown page and its FAQ 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. |
| Risk Services | For Program Administrators, AIG describes underwriting, claims and loss-control teams, program development support and admitted or non-admitted program structures. These are program services and not policy entitlements. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | You request an equipment breakdown 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. |
Full Comparison
More AIG vs Coverdash Comparisons
Other Equipment Breakdown 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.
- AIG Programs Insurance. AIG; Official AIG program directory, lines 384–397 (community associations), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports) and 561–577 (ski programs): equipment breakdown appears in named nationwide program schedules. General program terms and form caveat at lines 242–284 and 680–680. 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; Sections 1–2 (entities, broker-of-record and exclusivity), 10 (policy controls coverage), 12–13 (producer role and payment before binding), 15–17 (no underwriting; certificates; summaries), 32 (automatic payments). Accessed 2026-09-15.
- Equipment Breakdown Insurance. Coverdash; Types of Coverage: mechanical breakdown, electrical damage, repair or replacement, lost income; Who it's for; FAQs: what's covered, difference from commercial property, who needs it, difference from a warranty. Accessed 2026-09-23.
Equipment Breakdown Insurance Guide
- Understanding Commercial Package Policies. Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
- Equipment Breakdown. Travelers; Definition and equipment list. Accessed 2026-09-16.
- HSB TechAdvantage Equipment Breakdown Coverage Form. The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). Accessed 2026-09-16.
