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 HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 4,5,6
Read the HUB International profile
Read the HUB International Equipment Breakdown Insurance page
What Is Equipment Breakdown Insurance?
Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. 8,9,10,11
Key Differences in Equipment Breakdown Insurance
Coverage Levels and Downtime Costs
HUB describes basic, broad, and consequential-damage equipment-breakdown options, along with extra expense to keep a business operating during repairs. It notes that lost income requires business-income coverage in combination with that extra-expense component. AIG’s directory lists breakdown only within selected programs and gives no tier descriptions or downtime terms. Businesses relying on continuous production should ask HUB how its chosen tier handles interruption and check whether an AIG program pairs the breakdown component with business-income protection. 7 3
Standalone or Embedded Placement
HUB brokers the coverage as a standalone policy or embedded in property coverage, directing prospects to a broker. AIG’s directory describes equipment breakdown as part of named industry programs and does not establish a general standalone form. A buyer should compare the quote’s property relationship, carrier, covered equipment, and limits before deciding whether the added line is separately scheduled or bundled with other property terms. 7 3
What to Confirm in Equipment Breakdown 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 reviewsHUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsOffering Details
AIG vs HUB International: Equipment Breakdown Insurance: documented features by provider
| Criteria | AIG Equipment Breakdown in Named Programs | HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage |
|---|---|---|
| Role in This Line | AIG’s directory documents equipment-breakdown coverage only as a component of specified programs in this draft. It does not support a claim that AIG offers the same terms as a broad standalone product. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | HUB brokers boiler and machinery (equipment breakdown) insurance, available as a standalone monoline policy or embedded within a client's property policy, rather than underwriting the coverage itself. 7Company-reported. Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | No insurer is named for equipment breakdown coverage on the product page; the carrier depends on the placement. 7Not found in reviewed sources. Checked the boiler and machinery product page on 2026-09-23. |
| Who It’s For | The page lists equipment breakdown within certain named programs, including community associations, dental businesses, leisure, manufactured housing, motorsports and ski operations. It does not publish a general standalone equipment-breakdown 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. | HUB targets this coverage at manufacturing companies running equipment that must operate continuously, businesses that process goods using electrical, mechanical, heating or refrigeration equipment at scale, and small businesses protecting equipment such as air conditioners, computers, refrigerators and ovens. 7Company-reported. Product-page target-market description; not a published underwriting appetite. |
| Coverage Features | AIG lists Equipment Breakdown as a coverage component in the named program schedules. It does not publish covered equipment, causes of loss, waiting periods, limits or exclusions for an individual policy on this directory page. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | HUB says the coverage it arranges pays the costs to repair or replace equipment damaged by a sudden, unforeseen breakdown, losses from the resulting downtime, and other property damage caused by the malfunctioning equipment, and lists manufacturing equipment (boilers, generators, engines, HVAC systems, transformers) and office equipment (elevators, computers, copiers, security systems) as typical covered items. 7Company-reported. Product-page coverage description; the issued policy's definitions and exclusions control an actual claim. HUB describes three coverage options for equipment breakdown: basic, broad, and consequential-damage coverage for losses resulting from equipment failure, plus an Extra Expense component that covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. 7Company-reported. Product-page coverage-tier description. |
| Limits and Retentions | The directory states no buyer-specific equipment-breakdown limit, deductible, waiting period or equipment schedule. Those remain dependent on the applicable program and policy form. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Published policy limits or retentions for equipment breakdown coverage were not found on the product page. 7Not publicly disclosed. Checked the boiler and machinery product page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | For Program Administrators, AIG describes underwriting, claims and loss-control teams, program development support and admitted or non-admitted program structures. These are program services and not policy entitlements. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | The boiler and machinery product page does not describe engineering inspections or other line-specific risk-control services. 7Not found in reviewed sources. Checked the boiler and machinery product page on 2026-09-23. |
| How to Apply | Confirm in your quote. | HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. 7Company-reported. Product-page call to action. |
Full Comparison
More AIG vs HUB International Comparisons
Other Equipment Breakdown 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.
- AIG Programs Insurance. AIG; Official AIG program directory, lines 384–397 (community associations), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports) and 561–577 (ski programs): equipment breakdown appears in named nationwide program schedules. General program terms and form caveat at lines 242–284 and 680–680. Accessed 2026-09-30.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Boiler and Machinery Equipment Insurance Coverage. HUB International; What is Boiler and Machinery Insurance?; What does Boiler and Machinery Insurance cover?; covered manufacturing and office equipment examples; basic, broad and consequential-damage coverage options; Extra Expense coverage description; Contact a HUB broker call to action. Accessed 2026-09-23.
Equipment Breakdown Insurance Guide
- Understanding Commercial Package Policies. Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
- Equipment Breakdown. Travelers; Definition and equipment list. Accessed 2026-09-16.
- HSB TechAdvantage Equipment Breakdown Coverage Form. The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). Accessed 2026-09-16.
