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 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. 4,5
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 7,8,9
Key Differences in Commercial Property Insurance
Different portfolio scales and policy structures
AIG lists hospitals, universities, and global manufacturers among organizations for which it has property options. Liberty Mutual says it serves businesses from a single location to worldwide property schedules and describes both standalone and package options, including named-property forms. Those product ranges can suit different program sizes, but they do not show the terms for an individual risk. Ask each insurer which form and schedule it would use for your locations and whether coverage is monoline or bundled. 3 6
Property damage and interruption
AIG describes coverage for physical property and contents against examples such as storms, theft, and vandalism. Liberty Mutual describes cover for business property that is damaged, destroyed, or stolen and for resulting business interruption, with the policy form and schedule controlling. A buyer should compare how each proposal values property and defines interruption, especially waiting periods and limits, rather than relying on general descriptions of protection. 3 6
What to Confirm in Commercial Property 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 reviewsLiberty Mutual
Review Score
2 rated sources
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.[4][1]
Read Liberty Mutual reviewsOffering Details
AIG vs Liberty Mutual: Commercial Property Insurance: documented features by provider
| Criteria | AIG Commercial Property and Retail Property | Commercial Property |
|---|---|---|
| Role in This Line | 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. | Liberty Mutual describes commercial property solutions for businesses, from a single location to worldwide property schedules. 6Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Property. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Who It’s For | 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. | The company describes stand-alone and package options, including named property forms. 6Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Property. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Coverage Features | 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. | The page describes coverage for damaged, destroyed or stolen business property and business interruption; policy form and schedule control. 6Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Property. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Limits and Retentions | 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. | Confirm in your quote. |
| Risk Services | 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. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. 6Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. |
| Claims Support | 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. | Confirm in your quote. |
Full Comparison
More AIG vs Liberty Mutual Comparisons
Other Commercial Property 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.
- Commercial Property Insurance. AIG US; Property risk description and customer examples, lines 242–245; claims, risk engineering and Retail Property solutions, lines 250–276; general property examples and actual-policy caveat, lines 298–303; legal footer, lines 348–351. Accessed 2026-09-30.
Liberty Mutual
- 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.
- Commercial Insurance 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.
- 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.
Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
