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 The Hartford?
The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. 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
Business scale and named product types
AIG identifies transportation/logistics businesses, contractors and equipment exposures in its inland-marine overview. The Hartford describes its solutions for midsize and large businesses and names Builders Risk and Installation, Warehouse and Logistics, Contractors’ Equipment, renewable energy and fine arts products. A regional contractor or warehouse operator should ask each carrier which specific form fits the property and project size rather than comparing the broad line labels. 3 7
Submission path and claims support
The Hartford’s Quick Quote Marine team handles selected submissions, including contractor equipment, builders risk, installation and motor-truck cargo, and the company describes claims support for time-sensitive losses. AIG describes marine risk consulting, route or equipment review and claims resources. Ask each team what documents, schedules and service commitments apply to your particular product. 7 3
Policy terms and scheduled assets
Neither overview supplies policy-level terms for your property. AIG says the covered items, causes and transit stages depend on the form; The Hartford names product categories but not the buyer’s specific limits or deductibles. Compare scheduled equipment, locations, storage, transit, valuation and deductibles in the actual quote and declarations. 3 7
What to Confirm in Inland Marine Insurance Quotes
- Which AIG product and Hartford named form match your size, property, project and transit stages?
- What submission route, limits, deductibles and time-sensitive claims support apply to the quoted line?
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 reviewsThe Hartford
Review Score
5 rated sources
The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.[1][2][4][5][6][7]
Read The Hartford reviewsOffering Details
AIG vs The Hartford: Inland Marine Insurance: documented features by provider
| Criteria | AIG Inland Marine Insurance | The Hartford Inland Marine Insurance Solutions |
|---|---|---|
| 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. | The Hartford's Inland Marine Insurance Solutions are built for midsize and large businesses, protecting tools, equipment and property that move between locations or are used/stored away from a main business site, distinct from commercial property insurance, which focuses on property at a fixed location. 7Company-reported. Inland marine product page as read 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | The inland marine page does not name which Hartford property-and-casualty subsidiary would issue a given buyer's inland marine policy. 7Not publicly disclosed. Inland marine product page checked 2026-09-23. |
| 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. | The Hartford targets inland marine at midsize and large businesses in construction, technology (high-value or specialized equipment), transportation and logistics, equipment rental and sales, and warehousing of others' property; for larger businesses, premiums through its Quick Quote Marine team start at $10,000. 7Company-reported. Inland marine product page as read 2026-09-23. The $10,000 figure is a stated premium starting point, not a coverage limit. |
| 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. | The Hartford offers named inland marine coverage types: Builders Risk and Installation, Warehouse and Logistics (Warehouse Legal Liability), Contractors' Equipment, Renewable Energy (solar, fuel cell, BESS), Carrier Logistics, and miscellaneous coverages like Fine Arts and Bailee Processor. 7Company-reported. Inland marine product page as read 2026-09-23. Capability list with linked application forms, not a specimen policy. |
| 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. | 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. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | The Hartford says its Quick Quote Marine team handles submissions for select inland marine lines (Contractor's Equipment, Builder's Risk, Installation, Motor Truck Cargo), and describes claims support designed for time-sensitive situations, with submissions routed to marineservice@thehartford.com. 7Company-reported. Inland marine product page as read 2026-09-23. |
Full Comparison
More AIG vs The Hartford 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.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Inland Marine Insurance Solutions. The Hartford; Specialized Protection for Moveable Assets and Those in Transition; What Is Inland Marine Insurance?; Who Needs Inland Marine Insurance?; Types of Coverages; Inland Marine vs. Commercial Property Insurance; Why Choose The Hartford? 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.
