--- title: "AIG vs Harper: Product Liability Insurance" description: "Compare AIG’s aviation operations focus with Harper’s product injury, property damage and vendor-contract tailoring." canonical: "https://spot.insure/compare/aig-vs-harper/product-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-harper" provider-a: "aig" provider-b: "harper" coverage-line: "product-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/product-liability) ## Agent Guide **What this page is:** Focused comparison of AIG and Harper for Product 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 Product 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 Product Liability Insurance: how do they differ? - Which is better for Product Liability Insurance, AIG or Harper? - What does AIG or Harper publish about Product Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Product Liability Insurance from AIG or Harper? **Key facts:** - Line: Product 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 - [Product Liability Insurance guide](https://spot.insure/coverage/product-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 General Liability Insurance](https://spot.insure/compare/aig-vs-harper/general-liability) — 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 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 Product Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/product-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Amelia Risk Product Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/product-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Beazley Product Liability Insurance](https://spot.insure/compare/aig-vs-beazley/product-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs CFC Product Liability Insurance](https://spot.insure/compare/aig-vs-cfc/product-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Product Liability Insurance](https://spot.insure/compare/aig-vs-cna/product-liability) — sibling comparison (other line, or other pair for this line) # AIG vs Harper: How Do They Compare for Product Liability Insurance? Compare AIG’s aviation operations focus with Harper’s product injury, property damage and vendor-contract tailoring. ## Research Scope and Use Use this comparison to evaluate AIG and Harper for Product 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 AIG lists aviation product liability for manufacturers and repair operations; Harper brokers coverage for makers and sellers and can match additional-insured terms to vendor contracts. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") [6](https://www.harperinsure.com/coverages/product-liability "Product 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 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](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [9](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [10](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## 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](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") [6](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") ### 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](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") ## What to Confirm in Product Liability Insurance Quotes - Give Harper the vendor contract and verify additional-insured wording, limits and insurer. [6](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") - Ask AIG for covered aircraft products and policy terms. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") ## Offering Details | 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. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: 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](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") [7](https://www.harperinsure.com/coverages "What We Cover") (Evidence: Not publicly disclosed; scope: 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. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation 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 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. [6](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation 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 coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. [6](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation 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 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. [6](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Not publicly disclosed; scope: 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. [3](https://www.aig.com/business/industry/aerospace.secure "Aerospace & Aviation 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 will write the policy to match a retailer or marketplace vendor agreement, including additional-insured status and the specific limits those contracts require. [6](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product liability page quote form and 'Why Harper' process steps..) | ## Full Comparison - [AIG vs Harper](https://spot.insure/compare/aig-vs-harper): all coverage lines, business roles, service and claims. - [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check. - [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 General Liability Insurance](https://spot.insure/compare/aig-vs-harper/general-liability) - [AIG vs Harper Inland Marine Insurance](https://spot.insure/compare/aig-vs-harper/inland-marine) - [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 Product Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/product-liability) - [AIG vs Amelia Risk Product Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/product-liability) - [AIG vs Beazley Product Liability Insurance](https://spot.insure/compare/aig-vs-beazley/product-liability) - [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability) - [AIG vs CFC Product Liability Insurance](https://spot.insure/compare/aig-vs-cfc/product-liability) - [AIG vs CNA Product Liability Insurance](https://spot.insure/compare/aig-vs-cna/product-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. [Aerospace & Aviation Insurance](https://www.aig.com/business/industry/aerospace.secure). 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 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. [Product Liability Insurance](https://www.harperinsure.com/coverages/product-liability). 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. 7. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory list including Product Liability; intake selector categories. Accessed 2026-09-23. ### Product Liability Insurance Guide 8. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 9. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/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. 10. [Product liability, recall and contamination insurance](https://www.iii.org/article/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. 11. [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 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. 12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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. 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/product-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)