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 Kinro Insurance?
Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. 4,5,6
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. 8,9
Key Differences in Inland Marine Insurance
Industry offerings and mobile trade equipment
AIG describes inland marine for transportation/logistics and construction/equipment exposures. Kinro’s broker page centers on contractors, lawn-care businesses, plumbers and electricians whose tools move between jobs, sit overnight or include leased and high-value equipment. A contractor should identify whether it needs an industry-specific AIG placement or Kinro’s scheduled or blanket tool coverage, then confirm which carrier will insure each item. 3 7
The submission data shapes the quote
Kinro says its inland-marine placements can address transit, overnight storage and theft, with scheduled or blanket coverage. AIG describes movable-property protection but does not establish whether a buyer’s form covers overnight storage, leased tools or particular causes. Compare the submitted schedules and storage details against the actual AIG form and Kinro carrier quote. 7 3
Schedules, serial numbers and security
Kinro requests tool values, serial numbers, storage locations, loss history and security controls, often reviewing the line alongside GL, commercial auto and BOP. AIG describes route and equipment-risk review as possible services. Ask Kinro how bundled review changes the placement and AIG what information its risk engineer needs; neither overview publishes buyer-specific limits or deductibles. 7 3
What to Confirm in Inland Marine Insurance Quotes
- Which AIG construction or transportation policy covers each tool, transit stage, overnight location and deductible?
- Which Kinro carrier and scheduled or blanket approach fit the equipment values, serial numbers and storage locations?
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 reviewsKinro
Review Score
We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it.[7]
Read Kinro reviewsOffering Details
AIG vs Kinro: Inland Marine Insurance: documented features by provider
| Criteria | AIG Inland Marine Insurance | Kinro Tools & Equipment / Inland Marine |
|---|---|---|
| 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. | Kinro is a broker: it matches a business to an inland marine carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. 7Company-reported. Tools & Equipment / Inland Marine page "Routing" and "Market fit" sections. |
| 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. | Kinro says this coverage commonly fits contractors, lawn care businesses, plumbers and electricians, and typically comes up when tools move between jobs, equipment is left at jobsites, or the business uses scheduled, rented, leased or high-value equipment. 7Company-reported. Tools & Equipment / Inland Marine page "Common fit" and "Triggers" sections. |
| 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. | Kinro says tools and equipment coverage, handled through inland marine, typically means scheduled or blanket coverage for tools, mobile equipment and jobsite property, covering transit, overnight storage, theft and equipment value questions that a standard property policy may not fully handle. 7Company-reported. Tools & Equipment / Inland Marine page introduction and "Coverage" section; actual terms depend on the carrier and policy placed. |
| 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 page does not publish limits, deductibles or premiums; it lists tool and equipment values and schedules as inputs carriers need to quote, not published amounts. 7Not found in reviewed sources. Tools & Equipment / Inland Marine page "Quote file" section 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. | To quote this coverage, Kinro collects tool and equipment values, schedules and serial numbers, storage locations, and loss history and security controls, and often reviews it together with general liability, commercial auto and BOP coverage. 7Company-reported. Tools & Equipment / Inland Marine page "Quote file" and "Reviewed with" sections. |
Full Comparison
More AIG vs Kinro 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.
Kinro
- Kinro Business Insurance. Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
- Free Review Of Your Insurance Policy. Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
- For Carriers And MGAs. Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15.
- Tools & Equipment / Inland Marine. Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. 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.
