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 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. 4,5
What Is Commercial Auto Insurance?
Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. 8,9,10,11
Key Differences in Commercial Auto Insurance
Trucking Criteria and Transportation Operations
AIG targets for-hire fleets with trucks over 26,000 pounds, 11–250 power units, predominantly Class A/B CDL drivers, and four years in operation. Harper Insurance names freight carriers, trucking companies, passenger transport, and specialized operators. Harper describes commercial auto liability separately from collision and comprehensive vehicle damage, so an operator should request both parts and check whether its fleet fits AIG’s narrower criteria. 3 6
Market Access and Proof of Insurance
AIG says access is through select brokers and describes a 24/7 incident-management hotline. Harper says it submits one application to insurers writing transportation risks and can provide proof-of-insurance documents for FMCSA operating-authority requirements. A carrier facing a filing deadline should ask Harper which proof can be issued after binding and confirm AIG’s broker process and incident contact. 3 7
What to Confirm in Commercial Auto 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 reviewsHarper
Review Score
We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints.[4][6]
Read Harper reviewsOffering Details
AIG vs Harper: Commercial Auto Insurance: documented features by provider
| Criteria | AIG Truck Insurance Group Commercial Auto | Harper Commercial Auto Insurance |
|---|---|---|
| Role in This Line | AIG describes itself as providing admitted automobile liability and physical-damage insurance to a specifically scoped for-hire trucking segment; the page does not identify the insurer subsidiary for a particular quote. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Harper describes itself as taking one application for a transportation business and calling the insurance companies that write commercial auto for that kind of operation, rather than underwriting the policy itself. 6,7Company-reported. Transportation industry page 'Why Harper' section and homepage coverage-list introduction. |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name the insurer or insurers that would issue a commercial auto policy Harper places; the transportation page describes 'every market' generally without listing carriers. 6,7Not publicly disclosed. Checked the transportation industry page and homepage insurer-logo panel on 2026-09-23; no carrier names found for commercial auto specifically. |
| Who It’s For | AIG scopes this commercial-auto offer to small and midsize for-hire trucking companies with heavy vehicles above 26,000 pounds, fleets of 11–250 power units, predominantly Class A/B CDL drivers and at least four years of operating experience. AIG says access is through select brokers. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Harper says its transportation practice, which includes commercial auto liability, covers freight carriers, trucking companies, passenger transport services and specialized transportation operators. 6Company-reported. Transportation industry page 'Who this is for' section; general small-business intake elsewhere on the site does not repeat this list. |
| Coverage Features | AIG lists admitted automobile liability and physical-damage products for the stated for-hire truck segment. It does not publish a buyer’s vehicle schedule, covered causes, territory, or policy endorsements on this page. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Harper describes commercial auto liability as coverage for vehicle accidents and third-party injuries during transportation operations, alongside a separate physical-damage coverage for collision and comprehensive damage to the vehicles themselves. 6,7Company-reported. Transportation industry page coverage callouts; the homepage separately describes commercial auto with 'coverage limits your contracts accept' rather than published limit amounts. |
| Limits and Retentions | AIG says liability deductibles may be offered up to $50,000. This is a stated underwriting option, not a standard deductible or limit for a specific policy. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Harper's reviewed pages do not publish commercial auto liability or physical-damage limits and deductibles; the homepage says only that coverage comes with 'limits your contracts accept,' meaning the buyer's own contracts, not a published Harper figure, set the target. 7,6Not publicly disclosed. Checked the homepage and transportation industry page on 2026-09-23. |
| Risk Services | AIG describes a broker-facing appetite platform, trucking risk-control consulting, fleet-safety and DOT-compliance support, and a 24/7 incident-management hotline. These services do not expand policy coverage. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Harper says it delivers proof-of-insurance documents quickly to support FMCSA operating-authority requirements, and describes explaining commercial auto, cargo coverage and FMCSA requirements in plain terms. 6Company-reported. Transportation industry page 'Why Harper' section. |
| How to Apply | Confirm in your quote. | You can request a commercial auto quote through Harper's online intake by selecting the 'Work vehicles (commercial auto)' checkbox, or by using the transportation-specific intake form, along with the business's state and estimated annual revenue. 7,6Company-reported. Homepage and transportation industry page quote-intake forms. |
Full Comparison
More AIG vs Harper Comparisons
Other Commercial Auto 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.
- Truck Insurance Group. AIG; Official AIG Truck Insurance Group page: admitted auto liability and physical-damage products; stated heavy-vehicle, fleet-size, driver and operating-experience criteria; select-broker channel, underwriting platform and risk services. Accessed 2026-09-30.
Harper
- Text Messaging Terms and Conditions. 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.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. 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.
- Transportation Insurance. Harper; Know your coverage: What is Transportation insurance?; Commercial Auto Liability, Cargo Protection, Physical Damage, Certificates callouts; Who this is for; Why Harper (Transportation Expertise, Fast Proof for Authority, Clear Simple Guidance). Accessed 2026-09-23.
- Harper Homepage. Harper; What we cover: 'Commercial auto insurance — One work truck or a full fleet, with coverage limits your contracts accept.'; quote-intake checkbox 'Work vehicles (commercial auto)'. Accessed 2026-09-23.
Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
- Auto Insurance. NAIC; Coverages. Accessed 2026-09-16.
- Business Vehicle Insurance. Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
- Business Auto Coverage Form. Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16.
