--- title: "AIG vs Harper: General Liability Insurance" description: "AIG lists GL in selected programs, while Harper targets hard-to-place businesses needing a certificate and reviews one application across insurers." canonical: "https://spot.insure/compare/aig-vs-harper/general-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-harper" provider-a: "aig" provider-b: "harper" coverage-line: "general-liability" --- 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/general-liability) ## Agent Guide **What this page is:** Focused comparison of AIG and Harper for General Liability 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 General Liability 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 General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, AIG or Harper? - What does AIG or Harper publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from AIG or Harper? **Key facts:** - Line: General Liability 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 - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — 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 Builders Risk Insurance](https://spot.insure/compare/aig-vs-harper/builders-risk) — sibling comparison (other line, or other pair for this line) - [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 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 General Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Amelia Risk General Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Beazley General Liability Insurance](https://spot.insure/compare/aig-vs-beazley/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line) # AIG vs Harper: How Do They Compare for General Liability Insurance? AIG lists GL in selected programs, while Harper targets hard-to-place businesses needing a certificate and reviews one application across insurers. ## Research Scope and Use Use this comparison to evaluate AIG and Harper for General Liability 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 Harper describes bodily injury, damage to others’ property and defense costs, and says it issues certificates the same day after coverage is in force. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") ## 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 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](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## 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](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") ### 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](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") ## What to Confirm in General Liability Insurance Quotes - Which insurer, limit and certificate wording will Harper arrange for this hard-to-place risk? [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") - Can an AIG program meet the requested contract wording and certificate timing? [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") ## Offering Details | 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. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") (Evidence: Not found in reviewed sources; scope: 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 - [AIG vs Harper](https://spot.insure/compare/aig-vs-harper): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [AIG vs Harper Builders Risk Insurance](https://spot.insure/compare/aig-vs-harper/builders-risk) - [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 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 General Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/general-liability) - [AIG vs Amelia Risk General Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/general-liability) - [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability) - [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability) - [AIG vs Beazley General Liability Insurance](https://spot.insure/compare/aig-vs-beazley/general-liability) - [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) ## 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. [AIG Programs Insurance](https://www.aig.com/home/risk-solutions/business/aig-programs). 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 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. [General Liability Insurance](https://www.harperinsure.com/coverages/general-liability). 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 7. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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. 9. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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. 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/general-liability.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)