--- title: "AIG vs Harper: Builders Risk Insurance" description: "AIG describes project extensions and risk engineering; Harper Insurance lists builders risk project coverage, buyer eligibility, and services for construction accounts." canonical: "https://spot.insure/compare/aig-vs-harper/builders-risk" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-harper" provider-a: "aig" provider-b: "harper" 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-harper/builders-risk) ## Agent Guide **What this page is:** Focused comparison of AIG and Harper 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 Harper. 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 Harper for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, AIG or Harper? - What does AIG or Harper publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from AIG or Harper? **Key facts:** - Line: Builders Risk Insurance. Providers: AIG and Harper. - 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 Harper](https://spot.insure/compare/aig-vs-harper) — 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) - [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile (evidence) - [AIG vs Harper Commercial Auto Insurance](https://spot.insure/compare/aig-vs-harper/commercial-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs Harper Commercial Property Insurance](https://spot.insure/compare/aig-vs-harper/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs Harper Cyber Insurance](https://spot.insure/compare/aig-vs-harper/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs Harper General Liability Insurance](https://spot.insure/compare/aig-vs-harper/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Harper Inland Marine Insurance](https://spot.insure/compare/aig-vs-harper/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs Harper Product Liability Insurance](https://spot.insure/compare/aig-vs-harper/product-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-harper/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-harper/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 The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/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) # AIG vs Harper: How Do They Compare for Builders Risk Insurance? AIG describes project extensions and risk engineering; Harper Insurance lists builders risk project coverage, buyer eligibility, and services for construction accounts. ## Research Scope and Use Use this comparison to evaluate AIG and Harper 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 a standstill and term-extension example plus construction risk engineering. Harper Insurance describes builders risk as coverage for project structures, materials, and fixtures from ground break to handover, with a broader construction package. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") ## 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 Harper Insurance? Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. [4](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [5](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") [Harper profile](https://spot.insure/insurance-providers/harper) ## 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 ### Handling Construction Delays AIG gives a builders risk example involving a project standstill and an extension for the expected remaining project term. Harper Insurance describes its builders risk coverage, but that general description does not settle how an extended schedule would be handled. If a delay is plausible, ask each provider to state the proposed extension period, trigger, and effect on premium in the quote. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") ### Loss Prevention and Project Services AIG says construction risk engineers can work with clients on loss-prevention plans and loss-control reports. Harper Insurance lists project services aimed at helping construction buyers manage risk. Compare the actual deliverables—such as a site review, written recommendations, or follow-up—rather than assuming the same service from similar labels. Confirm who receives the recommendations and whether they affect underwriting. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") ## What to Confirm in Builders Risk Insurance Quotes - Ask AIG to specify whether the standstill extension applies to your schedule and how it must be requested. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") - Ask Harper to identify the project form, issuer, and written terms for an extended construction period. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") - Request each provider’s specific engineering or construction-service deliverables and confirm whether they are included. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") ## Offering Details | Criteria | AIG Builders Risk | Harper Builders Risk Coverage | | --- | --- | --- | | 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..) | Harper places builders risk as one piece of its Construction & Contractors insurance package, describing itself as calling every market that writes construction and presenting the options back, rather than underwriting the coverage itself. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: Construction & Contractors industry page; describes Harper's placement role for the package that includes builders risk, not a standalone builders risk product page..) | | Issuing Insurer | Confirm in your quote. | The reviewed pages do not name the insurer or insurers that would issue a builders risk policy Harper places; the industry page refers only to 'every market that writes construction' without listing carriers. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Not publicly disclosed; scope: Checked the Construction & Contractors industry page and homepage industries carousel on 2026-09-23; a specific insurer would appear on the quote or policy..) | | 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..) | Harper says Construction & Contractors coverage, including builders risk, is for general contractors managing subs, specialty trades such as roofing, framing, electrical, plumbing and HVAC, remodelers and handymen, residential and commercial builders, and construction managers. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: Construction & Contractors industry page 'Who this is for' section; not builders-risk-specific eligibility criteria such as project value or completion timeline..) | | 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..) | Harper describes builders risk as covering the structure, materials and fixtures of a project from ground break to handover, alongside jobsite liability and the certificates a project requires to start. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Construction & Contractors industry page coverage callouts and homepage industries carousel; the issued policy and declarations would control actual terms..) | | 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..) | Harper's reviewed pages do not publish builders risk limits, deductibles or maximum project values; the industry page says cost depends on trade, payroll and revenue and is quoted individually across multiple markets. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Not publicly disclosed; scope: Construction & Contractors industry page FAQ 'What does it cost?'; no published limit or retention figures found..) | | 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..) | Harper says it writes certificates of insurance with additional-insured, waiver-of-subrogation and primary-and-non-contributory wording the same day a contract calls for it, and checks subcontractors' certificates so their risk does not become the general contractor's. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: Construction & Contractors industry page; describes the certificate and risk-review service Harper says it provides around construction projects, which includes builders risk jobs..) | | How to Apply | Confirm in your quote. | Harper says it takes one application for construction risk, including builders risk, and quotes it across every market it says writes construction, admitted where pricing allows and excess-and-surplus lines when the work demands it. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: Construction & Contractors industry page 'Why Harper' section; specific markets contacted for a given project are not named..) | | 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 Harper](https://spot.insure/compare/aig-vs-harper): 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 Harper Commercial Auto Insurance](https://spot.insure/compare/aig-vs-harper/commercial-auto) - [AIG vs Harper Commercial Property Insurance](https://spot.insure/compare/aig-vs-harper/commercial-property) - [AIG vs Harper Cyber Insurance](https://spot.insure/compare/aig-vs-harper/cyber) - [AIG vs Harper General Liability Insurance](https://spot.insure/compare/aig-vs-harper/general-liability) - [AIG vs Harper Inland Marine Insurance](https://spot.insure/compare/aig-vs-harper/inland-marine) - [AIG vs Harper Product Liability Insurance](https://spot.insure/compare/aig-vs-harper/product-liability) - [AIG vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-harper/professional-errors-omissions) - [AIG vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-harper/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 The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/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) ## 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. ### Harper 4. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15. 5. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15. 6. [Construction & Contractors Insurance](https://www.harperinsure.com/industries/construction-insurance). Harper; Know your coverage: What is Construction & Contractors insurance?; Worksite liability, Builders risk, Tools & equipment, Certificates & additional insureds callouts; Who this is for; Why Harper (we know the trades, paperwork that wins bids, every market that writes construction, one call handled); FAQs on contractor insurance, certificate speed, subcontractor injuries, tool theft and cost. Accessed 2026-09-23. 7. [Harper Homepage](https://www.harperinsure.com/). Harper; Industries We Serve carousel: 'Construction & Contractors — From GCs to specialty trades: jobsite liability, builders risk, and the certificates your projects cannot start without.'. Accessed 2026-09-23. ### 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). ## Harper Reviews Review Score: not enough ratings. We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/harper/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-harper/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)