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 Marsh?
Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. 4,5,6,7
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. 9,10,11,12
Key Differences in Equipment Breakdown Insurance
Data-Center Programs and Site Analysis
Marsh arranges equipment breakdown within custom data-center insurance programs and says its risk consultants conduct site-specific loss studies, including probable-maximum-loss analysis, to help size protection. AIG’s directory lists breakdown within selected programs for several industries but does not identify a dedicated data-center offering or asset-level modeling. Operators of high-value server facilities should ask Marsh how site values affect limits and ask AIG whether a named program covers their data-center equipment. 8 3
Program Terms and Insurer Identity
Marsh’s reviewed page does not name the insurer or describe standalone equipment-breakdown terms; it presents the coverage as part of a wider program. AIG likewise gives no limits, triggers, or exclusions for the equipment component in its directory. A buyer should compare the actual carrier, scheduled property, interruption protection, and engineering recommendations on the proposals rather than treating either overview as a policy specification. 8 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 reviewsMarsh
Review Score
2 rated sources
Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.[2][4][7]
Read Marsh reviewsOffering Details
AIG vs Marsh: Equipment Breakdown Insurance: documented features by provider
| Criteria | AIG Equipment Breakdown in Named Programs | Marsh Equipment Breakdown Insurance |
|---|---|---|
| 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. | Marsh's technology and digital infrastructure team arranges equipment breakdown coverage inside custom data center insurance programs. The reviewed page does not describe a standalone product. 8Company-reported. Data center insurance and risk management page. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name a specific equipment breakdown insurer. 8Not publicly disclosed. Data center insurance page as read 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. | Marsh names equipment breakdown among the main risks facing data center owners and operators, citing asset concentration and high-value, sensitive equipment as reasons a standard property policy can leave gaps for this exposure. 8Company-reported. Data center insurance page, Understanding your full exposure map section. |
| 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. | Marsh lists equipment breakdown among the exposures a data center program can cover, alongside property damage, business interruption, delay in startup, cyber, general liability and some contractual risks. 8Company-reported. Data center insurance page FAQ; described as one line among several bundled into a data center program, not a standalone equipment breakdown product. |
| 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. | Confirm in your quote. |
| 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. | Marsh says its risk consulting team performs detailed loss studies, including probable maximum loss (PML) analysis, to help right-size coverage for equipment and other exposures based on site-specific conditions and asset values. 8Company-reported. Data center insurance page, Right-sizing coverage section; described for data center property and equipment risk generally. |
Full Comparison
More AIG vs Marsh 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.
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Data center insurance and risk management. Marsh; Understanding your full exposure map: Physical asset damage; Closing the gaps in conventional coverage table; FAQs: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, delay in startup, cyber exposures, general liability, selected contractual risks); What are the main risks facing data center owners and operators today? 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.
