--- title: "AIG vs Simply Business: Inland Marine Insurance" description: "AIG markets inland marine for construction and logistics risks, while Simply Business offers an online insurer-quote flow for mobile property." canonical: "https://spot.insure/compare/aig-vs-simply-business/inland-marine" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-simply-business" provider-a: "aig" provider-b: "simply-business" coverage-line: "inland-marine" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/aig-vs-simply-business/inland-marine) ## Agent Guide **What this page is:** Focused comparison of AIG and Simply Business for Inland Marine 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 Inland Marine Insurance questions about AIG versus Simply Business. 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 Simply Business for Inland Marine Insurance: how do they differ? - Which is better for Inland Marine Insurance, AIG or Simply Business? - What does AIG or Simply Business publish about Inland Marine Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Inland Marine Insurance from AIG or Simply Business? **Key facts:** - Line: Inland Marine Insurance. Providers: AIG and Simply Business. - 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 Simply Business](https://spot.insure/compare/aig-vs-simply-business) — parent: all coverage lines for this pair - [Inland Marine Insurance guide](https://spot.insure/coverage/inland-marine) — coverage explainer for this line - [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence) - [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence) - [AIG vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aig-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Inland Marine Insurance](https://spot.insure/compare/aig-vs-alliance-risk/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Inland Marine Insurance](https://spot.insure/compare/aig-vs-baldwin/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs Chubb Inland Marine Insurance](https://spot.insure/compare/aig-vs-chubb/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Inland Marine Insurance](https://spot.insure/compare/aig-vs-cna/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs Coverdash Inland Marine Insurance](https://spot.insure/compare/aig-vs-coverdash/inland-marine) — sibling comparison (other line, or other pair for this line) # AIG vs Simply Business: How Do They Compare for Inland Marine Insurance? AIG markets inland marine for construction and logistics risks, while Simply Business offers an online insurer-quote flow for mobile property. ## Research Scope and Use Use this comparison to evaluate AIG and Simply Business for Inland Marine 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 lists construction and transportation offerings with risk services; Simply Business gives contractors, photographers and mobile groomers as examples and compares insurer quotes online. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/inland-marine "Inland Marine Insurance") [6](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") [5](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") ## 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) ## Simply Business: Online Small-Business Insurance Marketplace Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [4](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [5](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [Simply Business profile](https://spot.insure/insurance-providers/simply-business) ## 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. [7](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment") ## Key Differences in Inland Marine Insurance ### Industry categories and small-business examples AIG describes inland marine through transportation/logistics and construction/equipment offerings. Simply Business gives contractors with tools, photographers with cameras and mobile groomers as examples of potential buyers, then describes an online form that compares insurer quotes. These examples can orient a small business, but neither they nor AIG’s broad categories confirm eligibility for a specific item or location. Submit the same inventory to both quote routes. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/inland-marine "Inland Marine Insurance") [6](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") ### Quote comparison and form terms Simply Business describes equipment and inventory in transit or stored away from business premises, with policy wording controlling causes, limits and conditions. AIG likewise says the policy determines property, causes, locations and transit stages. Compare whether customer-site use, overnight storage, theft and accidental damage are covered, rather than assuming the same protection from the shared line name. [6](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/inland-marine "Inland Marine Insurance") ### Quote approval and effective date Simply Business notes that availability varies by state, buyer and insurer and that an online quote is not guaranteed to bind. AIG describes risk consulting, route review and claims resources but not a buyer-specific quote timetable. Ask for the proposed carrier, effective date, item values, limits and deductibles from either route before relying on a quote for a contract or job. [6](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/inland-marine "Inland Marine Insurance") ## What to Confirm in Inland Marine Insurance Quotes - Which AIG product fits your inventory and transit details, and which insurer issues the proposed form? - Which Simply Business carrier will quote your state and items, and what approval remains before binding? ## Offering Details | Criteria | AIG Inland Marine Insurance | Inland-marine insurance through Simply Business | | --- | --- | --- | | 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. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/inland-marine "Inland Marine Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Confirm in your quote. | | 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. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/inland-marine "Inland Marine Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | The company gives contractors with tools, photographers with cameras and mobile groomers with equipment as examples of potential inland-marine buyers. Those examples do not guarantee eligibility. [6](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") (Evidence: Company-reported; scope: Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | 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. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/inland-marine "Inland Marine Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | Simply Business describes inland-marine coverage for equipment and inventory in transit or stored away from the business premises; policy wording controls covered causes, limits and conditions. [6](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") (Evidence: Company-reported; scope: Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | 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. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/inland-marine "Inland Marine Insurance") (Evidence: Not publicly disclosed; scope: 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 | 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. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/inland-marine "Inland Marine Insurance") (Evidence: Company-reported; scope: 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. | The page describes an online quote form and comparison of insurer quotes, with customization discussed as part of the quote process. Availability depends on state, buyer and insurer; the site Terms do not guarantee a quote or binding. [6](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") [5](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | ## Full Comparison - [AIG vs Simply Business](https://spot.insure/compare/aig-vs-simply-business): all coverage lines, business roles, service and claims. - [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine covers specialized property exposures such as equipment moved between sites, installed property and goods in transit; the quote must match what you own or hold. - [AIG vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aig-vs-simply-business/commercial-property) - [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber) - [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) - [AIG vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-simply-business/professional-errors-omissions) - [AIG vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-simply-business/workers-compensation) - [AIG vs Alliance Risk Inland Marine Insurance](https://spot.insure/compare/aig-vs-alliance-risk/inland-marine) - [AIG vs The Baldwin Group Inland Marine Insurance](https://spot.insure/compare/aig-vs-baldwin/inland-marine) - [AIG vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/inland-marine) - [AIG vs Chubb Inland Marine Insurance](https://spot.insure/compare/aig-vs-chubb/inland-marine) - [AIG vs CNA Inland Marine Insurance](https://spot.insure/compare/aig-vs-cna/inland-marine) - [AIG vs Coverdash Inland Marine Insurance](https://spot.insure/compare/aig-vs-coverdash/inland-marine) ## 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. [Inland Marine Insurance](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/inland-marine). 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. ### Simply Business 4. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29. 5. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29. 6. [Inland Marine Insurance](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/). Simply Business; Equipment/inventory lines 15–18, 59–63; examples and quote workflow lines 97–140, 168–191.. Accessed 2026-09-29. ### Inland Marine Insurance Guide 7. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16. 8. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). 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. 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). ## Simply Business Reviews Review Score: 5.7 / 10 from 4 rated sources, equally weighted. Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-simply-business/inland-marine.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)