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 General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 7,8,9
Key Differences in General Liability Insurance
Hard-to-Place Risks and Covered Claims
Harper says it places bodily injury, third-party property damage and legal defense, including groundless claims; AIG lists general liability only within selected programs without publishing form terms. A company that has been declined should compare Harper's multiple-insurer process against AIG's named-program appetite and confirm exclusions and limits in either quote before planning contract compliance. 3 6
Certificate Timing and Quote Review
Harper submits one application to multiple insurers and has a specialist review the risk; once coverage is in force, it says certificates can issue the same day. AIG describes program-administrator underwriting and claims teams, not a universal certificate turnaround. Ask Harper which carrier is proposed and ask AIG which administrator can meet the required certificate wording. 3 6
What to Confirm in General Liability 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: General Liability Insurance: documented features by provider
| Criteria | AIG General Liability Within Named Programs | Harper General Liability Insurance |
|---|---|---|
| Role in This Line | This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Harper places general liability coverage by taking one application to multiple insurers rather than underwriting the policy itself, and a specialist reviews the business before it is quoted. 6Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision. |
| Who It’s For | AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Harper markets general liability to businesses that need a certificate for a lease, client contract or license, and specifically says hard-to-place or previously declined businesses are the operations it targets. 6Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant. |
| Coverage Features | The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. 6Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. |
| Limits and Retentions | No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Harper says most leases and contracts ask for $1 million per claim as a starting limit, and it will recommend higher limits when a business's situation calls for it. The page does not publish a maximum available limit. 6Company-reported. FAQ answer on the general liability page; actual limit options depend on the insurer and underwriting. |
| Risk Services | AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Harper says it issues certificates of insurance the same day a landlord, client or venue requests one, once a policy is in force. 6Company-reported. Product-page service claim; not independently timed or confirmed for a particular request. |
| How to Apply | Confirm in your quote. | You apply for Harper general liability through an online quote form (business details, state, revenue and coverage needs) that a specialist follows up on, rather than an instant-bind online purchase. 6Company-reported. Quote form and FAQ observed on the product page. |
| Claims Support | Confirm in your quote. | The reviewed general liability page does not describe a claims-reporting process or claims-advocacy service specific to this line. 6Not found in reviewed sources. Scoped to the general liability product page as read on 2026-09-23; the provider record separately describes general claims assistance across lines, not checked here for this line specifically. |
Full Comparison
More AIG vs Harper Comparisons
Other General Liability 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), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680. 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.
- General Liability Insurance. Harper; Product hero; Know your coverage: What is General Liability insurance?; Bodily injury, Property damage, Legal defense, Certificates on demand; Why Harper (specialist review, multiple insurers, same-day certificates); FAQ: Is general liability required by law?, What limits do I need?, What does it cost? Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
