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 Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 7,8
Key Differences in Inland Marine Insurance
Industry coverage categories and combined equipment policy
AIG’s inland-marine overview names contractors, transportation/logistics and movable business property. Harper places inland marine within a combined Equipment Insurance product alongside owned-equipment property coverage and equipment breakdown. Its page focuses on equipment that moves to a jobsite or client location. A contractor should compare whether it wants a broader marine placement or Harper’s combined equipment arrangement, then check how each treats property at its premises and away from it. 3 6
Owned and non-owned tools
Harper specifically says its product can cover owned equipment in transit or on a jobsite and can include rented or borrowed equipment for which the business is responsible. AIG describes movable property but does not define whether rented gear, transit or jobsite storage is covered in a buyer’s policy. Put owned and non-owned equipment on the submission schedule and confirm valuation and covered causes. 6 3
The equipment schedule and quote
Harper asks buyers to send an equipment list through its online quote form, then prices it across willing insurers. AIG’s page describes risk-engineering and claims resources but does not identify the issuing insurer or application route for a specific buyer. Ask Harper which carrier will issue the policy and AIG who will insure the placement; compare deductibles, limits and equipment breakdown treatment. 6 3
What to Confirm in Inland Marine Insurance Quotes
- Which AIG form covers equipment in transit and at jobsites, and can it schedule rented or borrowed property?
- Which Harper insurer, item values, deductibles and equipment-breakdown terms appear in the quote?
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: Inland Marine Insurance: documented features by provider
| Criteria | AIG Inland Marine Insurance | Harper Equipment and Inland Marine Insurance |
|---|---|---|
| Role in This Line | AIG markets inland marine insurance through transportation/logistics and construction/equipment offerings. The exact insurer and legal form for a particular placement are not identified on the overview page. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Harper places inland marine coverage as part of a combined 'Equipment Insurance' product it sells alongside owned-equipment property coverage and equipment breakdown, rather than as a separately named standalone product page. 6Company-reported. Harper's equipment product page, the only page found for this line; the coverage directory and intake form separately label the same coverage 'tools and equipment that leave the shop (inland marine).' |
| Who It’s For | AIG identifies transportation and logistics businesses and construction or equipment exposures, including contractors, equipment and movable business property. The public overview is not a complete applicant eligibility schedule. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Harper targets this coverage at businesses whose equipment or tools travel to jobsites or client locations rather than staying inside one building, since it frames the product around the gap left when equipment leaves the premises. 6Company-reported. Product-page framing; not an eligibility guarantee for a particular applicant or equipment type. |
| Coverage Features | AIG describes inland marine protection for movable property and lists transportation/logistics plus construction/equipment categories. The page does not determine which property, causes, locations or transit stages are covered in a 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 inland marine portion of this product as covering equipment while it is in transit or on a jobsite, which it says standard property policies typically exclude once equipment leaves the business's premises. 6Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. Harper says it can also place coverage for rented or borrowed equipment a business is responsible for but does not own, in addition to owned equipment in transit or on site. 6Company-reported. Product-page coverage-features list; availability and terms depend on the insurer and underwriting. |
| Limits and Retentions | Published capacity figures are segment-specific and do not establish a buyer’s policy limit. Confirm the scheduled property, sublimits, catastrophe terms and deductible in the quote and policy. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | The reviewed equipment page does not publish limit or valuation amounts for inland marine coverage; it says pricing and available terms depend on equipment values and where the equipment travels. 6Not publicly disclosed. Equipment product page as read on 2026-09-23. |
| Risk Services | AIG describes marine risk consulting, risk engineering and claims resources, including route or equipment-risk review where applicable. Its Claims Promise applies only after coverage confirmation and to specified agreed-loss circumstances. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | You apply by sending Harper an equipment list through its online quote form, which it says it prices across insurers willing to write that equipment. 6Company-reported. Quote form and FAQ observed on the product page. |
Full Comparison
More AIG vs Harper Comparisons
Other Inland Marine 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.
- Inland Marine Insurance. AIG; Official AIG Inland Marine page, lines 242–286: transportation/logistics and construction/equipment segments, example classes, advertised capacity, loss-control and claims support, and policy caveat. 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.
- Equipment Insurance. Harper; Product hero; Know your coverage: What is Equipment insurance?; Owned equipment, Equipment in transit and on site (inland marine), Equipment breakdown, Rented and borrowed equipment; Why Harper; FAQ: Is my equipment covered on a jobsite?, Breakdown versus damage: what is the difference?, What does it cost? Accessed 2026-09-23.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
