AIG vs HUB International: How Do They Compare for Commercial Property Insurance?

AIG markets commercial property insurance and identifies Retail Property as a product area. For domestic and global corporate and risk-management clients, the page describes both risk-transfer insurance and non-risk-transfer fronting or captive solutions; those structures are not the same as an insurance policy issued by AIG. ³Company-reported. AIG’s U.S. Commercial Property page. It does not identify the insurer or fronting company for a particular buyer’s placement.

HUB brokers commercial property insurance and structures placement programs for clients rather than underwriting the coverage itself. ⁷Company-reported. Commercial property product page as read 2026-09-23; the page does not name an issuing insurer.

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The commercial property page does not name an issuing insurer; HUB places property business with carriers that vary by client and program structure. ⁷Not found in reviewed sources. Checked the commercial property product page on 2026-09-23; no carrier is disclosed there.

AIG names businesses including hospitals, universities and global manufacturing among the varied organizations for which it has property options. The page does not provide a complete eligible-class list or state-by-state availability schedule. ³Company-reported. Illustrative customer types on AIG’s U.S. Commercial Property page; examples do not establish an applicant’s eligibility.

HUB says commercial property coverage availability spans agribusiness, construction, education, energy, financial institutions, healthcare, hospitality, manufacturing, real estate and technology sectors. ⁷Company-reported. Product-page industries-served list; not a published underwriting appetite by property type or region.

AIG describes commercial property insurance as protecting business physical property against unexpected events such as storm damage, theft and vandalism, and says coverage can extend to certain work-related contents such as office equipment, furniture, fixtures and inventory. These are examples; actual coverage depends on the facts and each policy’s terms, conditions and exclusions. ³Company-reported. General property description on AIG’s product page, not a summary of a specific policy or all covered causes of loss.

HUB lists coverage components including building structure protection, business personal property (equipment, furniture and inventory), business interruption and contingent business interruption, equipment breakdown, and natural catastrophe perils such as wind, hail and fire, noting that named-storm availability varies. ⁷Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.

The reviewed page does not state standard property limits, deductibles or retentions for a buyer. Confirm those amounts, covered causes and conditions in the quote and issued policy. ³Not publicly disclosed. AIG’s U.S. Commercial Property marketing page reviewed 2026-09-30; no buyer-specific quote or policy form was reviewed.

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AIG says property risk engineers help clients identify and mitigate loss and that its engineers collaborate with clients on solutions tailored to risk factors. The page does not state that these services are included for every account or guarantee reduced losses. ³Company-reported. Company-described commercial property risk engineering; account-specific service availability is not stated.

HUB says it can structure commercial property programs as traditional single-carrier placements, layered programs, parametric insurance that pays on a predefined trigger such as a wind-speed threshold, or captive and reinsurance solutions, and explains insurance-to-value to help clients avoid coinsurance penalties or reduced claim payouts. ⁷Company-reported. Product-page program-structure and advisory description; a company-reported service capability.

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HUB directs prospects to connect with a broker or specialist advisor through its contact portal; no online quote flow is described on the page. ⁷Company-reported. Product-page call to action as read 2026-09-23.

AIG describes a dedicated Property claims team and a claims promise intended to enable prompt resolution. The page does not publish a service-level deadline or claim outcome guarantee. ³Company-reported. AIG’s company-reported general property claims description; no account-specific claims handling terms were reviewed.

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