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 Product Liability Insurance?
Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. 8,9,10,11,12
Key Differences in Product Liability Insurance
Harper addresses retailers and importers as well as manufacturers
AIG identifies aviation manufacturers, distributors and maintenance operations as audiences. Harper says its product coverage is for makers, importers and sellers of physical goods, noting that distributors and retailers may also be named in claims. Harper describes injury claims, product-caused property damage and legal defense costs. This matters to businesses in the supply chain that do not manufacture the item; aviation firms should still ask AIG about their exact operations. 3 6
Harper can address retailer or marketplace contract terms
Harper says it can match coverage to vendor agreements, including additional-insured status and required limits, and shops one application across insurers writing the product class. AIG’s page lists aviation application materials but does not describe retail contract matching. If a marketplace contract sets insurance requirements, provide it to Harper and compare those terms with the actual quote. 6 3
What to Confirm in Product 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: Product Liability Insurance: documented features by provider
| Criteria | AIG Aviation Product Liability | Harper Product Liability Insurance |
|---|---|---|
| Role in This Line | AIG markets product liability as part of its Aerospace and Aviation insurance practice, specifically for aviation-related product operations. It is not evidence of a broad standalone product liability offer for unrelated sectors. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Harper places product liability coverage as a broker: it says a specialist reviews the business and approaches insurers on the client's behalf rather than underwriting the policy itself. 6Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy. |
| Issuing Insurer | Confirm in your quote. | The reviewed product liability page does not name the insurer or insurers that would issue a given policy; Harper says it places the coverage with 'real insurers' generally rather than a named carrier for this line. 6,7Not publicly disclosed. Checked the product liability page and the coverage directory on 2026-09-23; neither names a carrier for this specific line. |
| Who It’s For | AIG identifies aviation product manufacturers, distributors and maintenance, repair and overhaul operations as audiences for its aviation product liability solutions. The page does not establish eligibility for all product manufacturers. 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 the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they didn't manufacture the item. 6Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure. |
| Coverage Features | AIG lists aviation product liability insurance among aviation liability solutions. It does not publish a buyer’s covered products, legal liability terms, limits or exclusions on this overview 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 the coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. 6Company-reported. Product liability page's four coverage tiles (Injury claims, Property damage, Defense in depth, Vendor agreement compliance); the issued policy and its exclusions control actual scope. |
| Limits and Retentions | The aviation page does not publish a product-liability limit for an individual manufacturer or product. Confirm capacity, attachment and policy terms with AIG for the account. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Harper names product category, sales volume and sales channel as what drives product liability pricing, but the reviewed page does not publish specific limit, retention or premium figures. 6Not publicly disclosed. Product liability FAQ 'What does it cost?'; figures are unavailable on this public page and would appear on a quote. |
| Risk Services | AIG describes aviation-focused underwriting and claims adjusters/attorneys, a 24/7 hotline and application materials for aircraft products. These resources do not determine coverage or claim acceptance. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Harper says it will write the policy to match a retailer or marketplace vendor agreement, including additional-insured status and the specific limits those contracts require. 6Company-reported. Product liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome. |
| How to Apply | Confirm in your quote. | You request a quote through Harper's online form or by phone; Harper says one application is then shopped across the insurers that write the applicant's product class. 6Company-reported. Product liability page quote form and 'Why Harper' process steps. |
Full Comparison
More AIG vs Harper Comparisons
Other Product 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.
- Aerospace & Aviation Insurance. AIG; Official AIG Aerospace & Aviation page: named aviation product liability solutions for manufacturers, distributors, maintenance/repair/overhaul operations; aviation underwriting, claims support and application links; standard 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.
- Product Liability Insurance. Harper; Know your coverage: What is Product Liability insurance?; Injury claims, Property damage, Defense in depth, Vendor agreement compliance; Why Harper (specialist, market access, recommendation, same-day certificates); FAQs on importers/distributors/retailers and pricing drivers. Accessed 2026-09-23.
- What We Cover. Harper; Coverage directory list including Product Liability; intake selector categories. Accessed 2026-09-23.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO Properties, Inc.; specimen hosted by Hiscox; Recall exclusion p.5; Supplementary Payments pp.8–9; Section III limits p.10; V.16 and V.21 p.15, warnings/instructions continue p.16. Accessed 2026-09-16.
