AIG vs Harper: How Do They Compare for Commercial Property Insurance?

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.

For commercial property, Harper describes calling the insurance companies that write the coverage and presenting the customer with the resulting options to choose from, rather than issuing a commercial property policy itself. ⁶Company-reported. Homepage 'What we cover' introduction and coverage list, where commercial property is one of the enumerated lines.

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Harper's public pages do not name the insurer or insurers that would underwrite a commercial property policy; the homepage shows an unlabeled panel of insurer logos it says it works with, describing the rest as 'specialists who cover the work the big names turn down.' ⁶Not publicly disclosed. Checked the homepage insurer-logo panel on 2026-09-23; no carrier names accompany the logos in the page text.

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.

Harper's quote-intake form lists all 50 states and Washington, D.C. as selectable, indicating it takes commercial property quote requests nationwide, though eligibility for a specific building or business depends on underwriting review not described on the page. ⁶Company-reported. Homepage quote-intake state selector.

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.

Harper's homepage summarizes commercial property insurance as covering a business's buildings, equipment and inventory at what it costs to replace them. ⁶Company-reported. Homepage 'What we cover' blurb; the issued policy and declarations would control actual valuation method and terms.

On its manufacturing industry page, Harper bundles property coverage with equipment breakdown, describing it as covering the building, the production line and machinery that cannot be down for a week. ⁷Company-reported. Manufacturing industry page; this is a manufacturer-specific bundle of property and equipment breakdown, not necessarily how Harper packages commercial property for other industries.

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 reviewed pages do not publish commercial property limits, deductibles or valuation methods such as replacement cost versus actual cash value; those terms are not shown until a specific quote is issued. ^6,7Not publicly disclosed. Checked the homepage and manufacturing industry page on 2026-09-23.

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.

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You can start a commercial property quote through Harper's online intake by selecting the 'My building, equipment, and inventory (property)' checkbox alongside the business's state, estimated annual revenue and a description of what it does. ⁶Company-reported. Homepage quote-intake form.

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.

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