---
title: "AIG vs Liberty Mutual: Builders Risk Insurance"
description: "AIG describes tailored project extensions; Liberty Mutual lists builders risk protection for materials, labor, temporary structures, and landscaping materials."
canonical: "https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-liberty-mutual"
provider-a: "aig"
provider-b: "liberty-mutual"
coverage-line: "builders-risk"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of AIG and Liberty Mutual for Builders Risk 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 Builders Risk Insurance questions about AIG versus Liberty Mutual. 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 Liberty Mutual for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, AIG or Liberty Mutual?
- What does AIG or Liberty Mutual publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from AIG or Liberty Mutual?

**Key facts:**
- Line: Builders Risk Insurance. Providers: AIG and Liberty Mutual.
- 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 Liberty Mutual](https://spot.insure/compare/aig-vs-liberty-mutual) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [AIG vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/aig-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Builders Risk Insurance](https://spot.insure/compare/aig-vs-alliance-risk/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Builders Risk Insurance](https://spot.insure/compare/aig-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk) — sibling comparison (other line, or other pair for this line)

# AIG vs Liberty Mutual: How Do They Compare for Builders Risk Insurance?

AIG describes tailored project extensions; Liberty Mutual lists builders risk protection for materials, labor, temporary structures, and landscaping materials.

## Research Scope and Use

Use this comparison to evaluate AIG and Liberty Mutual for Builders Risk 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 illustrates coverage planning for a project standstill and extension. Liberty Mutual describes builders risk protection that may include materials, labor, construction-management fees, temporary structures, and landscaping materials, subject to the chosen form. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk")

## 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 Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [4](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [11](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

## Key Differences in Builders Risk Insurance

### A Project Pause Versus Covered Construction Costs

AIG’s example addresses a paused project and an extension for the expected remaining work. Liberty Mutual’s product description instead names potential property components, including materials, labor, construction-management fees, temporary structures, and landscaping materials. If a pause could create extra costs while property remains on site, ask how the extension and those costs are treated under each proposed form. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://business.libertymutual.com/commercial-solutions/property/ "Property")

### Project Size and Portfolio Fit

AIG says it develops arrangements for small, mid-sized, and complex projects, including multi-year and multinational programs. Liberty Mutual discusses both single projects and portfolios, from buildings to infrastructure, while noting that thresholds belong to a named program option. Give both teams the same project values and schedule, then verify that any published threshold applies to the specific product being quoted. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://business.libertymutual.com/commercial-solutions/property/ "Property")

## What to Confirm in Builders Risk Insurance Quotes

- Ask AIG whether its standstill example applies to your project and ask Liberty Mutual which of the listed property components the chosen form covers. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://business.libertymutual.com/commercial-solutions/property/ "Property")
- Ask Liberty Mutual whether your project falls under a program-specific value threshold or its broader portfolio offering. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://business.libertymutual.com/commercial-solutions/property/ "Property")
- Confirm each insurer’s extensions, exclusions, limits, and deductible on the actual quote. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") [6](https://business.libertymutual.com/commercial-solutions/property/ "Property")

## Offering Details

| Criteria | AIG Builders Risk | Liberty Mutual Builder’s Risk |
| --- | --- | --- |
| Role in This Line | AIG markets Builders Risk as a construction property insurance solution for single projects and master programs. AIG is the marketing name; the page says products are written or provided by AIG subsidiaries or affiliates and does not identify the issuing company for a particular policy. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: AIG’s U.S. Builders Risk product page and its general legal footer. This establishes AIG’s marketed product and issuer structure, not the insurer on an individual quote, binder or policy..) | Liberty Mutual lists Builder’s Risk in its property portfolio and describes both a named proprietary form and a stand-alone Specialty Property offering. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Who It’s For | The page describes solutions for a range of construction projects, including small, mid-sized and complex projects, and says AIG develops domestic, multinational and multi-year arrangements. It also describes customized options for wood-frame structures. These are marketed capabilities, not eligibility guarantees. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Project types and program configurations stated on AIG’s U.S. Builders Risk page. The page does not provide a complete underwriting appetite or state-by-state availability schedule..) | The page addresses contractors and property owners with single projects or portfolios and describes construction projects ranging from buildings to infrastructure; its published project thresholds apply only to the named program option. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Coverage Features | AIG describes tailoring project coverage to construction risks and gives an example of arranging coverage for a project standstill and an extension for the expected remaining project term. These examples do not establish that any buyer is entitled to a standstill extension or that it is included in a policy. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: AIG’s illustrative Builders Risk marketing examples. The page directs interested buyers to the actual policy for coverage scope, limitations, terms, conditions and exclusions..) | The builder’s-risk page describes protection during construction, including materials, labor, construction-management fees, temporary structures and landscaping materials; actual coverage remains form-specific. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Limits and Retentions | The reviewed product page does not state a standard policy limit, deductible or retention. AIG says coverage depends on the actual policy language; confirm the applicable amounts and conditions in the quote and issued policy. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Not publicly disclosed; scope: AIG’s U.S. Builders Risk marketing page as reviewed on 2026-09-30. No buyer-specific quote, declarations or policy form was reviewed; this is not a finding that such terms are unavailable from AIG..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | AIG says its risk engineers can work with clients on loss-prevention improvements and customized service plans, including loss-control reports. The page describes these as risk services and does not make them policy coverage or a guaranteed loss outcome. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Company-described services on the U.S. Builders Risk page; availability for a particular account is not specified..) | Liberty Mutual describes property underwriting, risk-engineering and claims teams working together on complex property risks. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Claims Support | AIG states that, after property-damage coverage is confirmed, it promises working funds equal to 50% of its share of the agreed property-damage estimate within seven days. This is AIG’s stated claim-funding service condition; the page does not make it a general claim-payment deadline or establish policy entitlement for every loss. [3](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Conditional company statement on the Builders Risk page. It applies only as described there and remains subject to the actual policy and claim circumstances..) | Confirm in your quote. |

## Full Comparison

- [AIG vs Liberty Mutual](https://spot.insure/compare/aig-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [AIG vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cargo-transit)
- [AIG vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-auto)
- [AIG vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-property)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime)
- [AIG vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cyber)
- [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers)
- [AIG vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices)
- [AIG vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/equipment-breakdown)
- [AIG vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/aig-vs-liberty-mutual/fidelity-bonds)
- [AIG vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/fiduciary)
- [AIG vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/general-liability)
- [AIG vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/inland-marine)
- [AIG vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/kidnap-ransom)
- [AIG vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/management-liability)
- [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions)
- [AIG vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/umbrella-excess)
- [AIG vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/workers-compensation)
- [AIG vs Alliance Risk Builders Risk Insurance](https://spot.insure/compare/aig-vs-alliance-risk/builders-risk)
- [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk)
- [AIG vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aig-vs-baldwin/builders-risk)
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk)
- [AIG vs Chubb Builders Risk Insurance](https://spot.insure/compare/aig-vs-chubb/builders-risk)
- [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk)

## 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. [Builders Risk Insurance](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk). AIG US; ‘Why choose AIG Builders Risk Insurance?’ and ‘AIG Advantage’: lines 242–280, including project scope, tailored solutions, risk engineering and conditional claim-funding statement; policy-language and coverage caveat lines 365–366; legal footer lines 411–415.. Accessed 2026-09-30.

### Liberty Mutual

4. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
5. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
6. [Property](https://business.libertymutual.com/commercial-solutions/property/). Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy.. Accessed 2026-09-29.
7. [Builder’s risk](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk). Liberty Mutual Business Insurance; Official product page: single-project or portfolio scope; contractors and property owners; Premier Protector — Builder’s Risk and stand-alone Specialty Property offerings; covered materials, labor, construction management fees, temporary structures and landscaping materials. Source also describes project-specific program design, underwriting and claims support.. Accessed 2026-09-30.

### Builders Risk Insurance Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
10. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
11. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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).

## Liberty Mutual Reviews

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk.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)