---
title: "AIG vs USI Insurance Services: Commercial Property Insurance"
description: "AIG describes a property product; USI brokers property placements and coordinates technology-related income coverage."
canonical: "https://spot.insure/compare/aig-vs-usi/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-usi"
provider-a: "aig"
provider-b: "usi"
coverage-line: "commercial-property"
---

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-usi/commercial-property)

## Agent Guide

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

**Key facts:**
- Line: Commercial Property Insurance. Providers: AIG and USI Insurance Services.
- 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 USI Insurance Services](https://spot.insure/compare/aig-vs-usi) — parent: all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence)
- [AIG vs USI Insurance Services Crime Insurance](https://spot.insure/compare/aig-vs-usi/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/aig-vs-usi/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services D&O Insurance](https://spot.insure/compare/aig-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/aig-vs-usi/employee-health-benefits) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-usi/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/aig-vs-usi/management-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-usi/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Commercial Property Insurance](https://spot.insure/compare/aig-vs-alliance-risk/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Commercial Property Insurance](https://spot.insure/compare/aig-vs-aon/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Commercial Property Insurance](https://spot.insure/compare/aig-vs-baldwin/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Commercial Property Insurance](https://spot.insure/compare/aig-vs-beazley/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Commercial Property Insurance](https://spot.insure/compare/aig-vs-cfc/commercial-property) — sibling comparison (other line, or other pair for this line)

# AIG vs USI Insurance Services: How Do They Compare for Commercial Property Insurance?

AIG describes a property product; USI brokers property placements and coordinates technology-related income coverage.

## Research Scope and Use

Use this comparison to evaluate AIG and USI Insurance Services for Commercial Property 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 identifies hospitals, universities, and manufacturers among property audiences. USI acts as an intermediary and separately names property, business income, and contingent business income in its technology placements. [3](https://www.aig.com/home/risk-solutions/business/commercial-property "Commercial Property Insurance") [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## 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 USI Insurance Services?

USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. [4](https://www.usi.com/about-usi "The Power of ONE") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [6](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## 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. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [10](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## Key Differences in Commercial Property Insurance

### AIG describes a property product; USI brokers property placements and coordinates technology-related income coverage.

AIG markets commercial property insurance to varied organizations. USI is a broker: its Property & Casualty team places coverage, while its Technology practice serves software, hardware, networking, semiconductor, and communications companies from seed stage through IPO. A technology company should ask how USI coordinates a property placement with business-income exposures; an AIG proposal should identify the issuing insurer and whether contingent income is included. [3](https://www.aig.com/home/risk-solutions/business/commercial-property "Commercial Property Insurance") [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting")

### AIG identifies hospitals, universities, and manufacturers among property audiences. USI acts as an intermediary and separately names property, business income, and contingent business income in its technology placements.

Risk analysis and how to begin a placement [3](https://www.aig.com/home/risk-solutions/business/commercial-property "Commercial Property Insurance") [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting")

## What to Confirm in Commercial Property Insurance Quotes

- AIG says property risk engineers work with clients on mitigation. USI describes dedicated property analysts and risk-control specialists using its USI ONE analytics process, and directs property inquiries to a local office or its property-and-casualty team. These are advisory and placement services, not policy benefits. Compare the scheduled values and interruption terms, and ask each provider who supports the account after binding. [3](https://www.aig.com/home/risk-solutions/business/commercial-property "Commercial Property Insurance")
- Ask AIG which risk-control services accompany the policy and what business-income terms are quoted. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting")

## Offering Details

| Criteria | AIG Commercial Property and Retail Property | USI Commercial Property Brokerage |
| --- | --- | --- |
| 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. [3](https://www.aig.com/home/risk-solutions/business/commercial-property "Commercial Property Insurance") (Evidence: Company-reported; scope: AIG’s U.S. Commercial Property page. It does not identify the insurer or fronting company for a particular buyer’s placement..) | USI is a broker for commercial property insurance. Its property & casualty team places property coverage for clients rather than underwriting it, and its Technology practice separately places property, business-income and contingent business-income coverage for technology clients. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Property & Casualty and Technology practice pages..) |
| Issuing Insurer | Confirm in your quote. | Neither page names the insurers USI uses for commercial property placements. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/commercial-property "Commercial Property Insurance") (Evidence: Company-reported; scope: Illustrative customer types on AIG’s U.S. Commercial Property page; examples do not establish an applicant’s eligibility..) | USI's property & casualty team describes serving middle-market clients across many named industries (including construction, hospitality, real estate and manufacturing-adjacent sectors), while its Technology practice specifically serves software, hardware, networking, semiconductor and communications companies from early seed stage through IPO. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Company description of client segments for each practice..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/commercial-property "Commercial Property Insurance") (Evidence: Company-reported; scope: General property description on AIG’s product page, not a summary of a specific policy or all covered causes of loss..) | USI's Technology practice itemizes property, business income and contingent business income as distinct placement components; its broader property & casualty team lists "Property Coverage" among the risk exposures it advises on. [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Practice pages' coverage lists; actual insuring agreements, valuation basis and exclusions are set by the issued policy..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/commercial-property "Commercial Property Insurance") (Evidence: Not publicly disclosed; scope: AIG’s U.S. Commercial Property marketing page reviewed 2026-09-30; no buyer-specific quote or policy form was reviewed..) | Neither page publishes property limit, deductible or valuation figures. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/commercial-property "Commercial Property Insurance") (Evidence: Company-reported; scope: Company-described commercial property risk engineering; account-specific service availability is not stated..) | USI says its property & casualty resource team includes dedicated property analysts and risk control specialists who use its USI ONE analytics process to identify and target property risk exposures. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Company description of team composition and process; outcomes are not independently verified..) |
| How to Apply | Confirm in your quote. | USI directs commercial property inquiries to pcinquiries@usi.com or a local USI office. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Contact instructions on the Property & Casualty and Technology pages..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/commercial-property "Commercial Property Insurance") (Evidence: Company-reported; scope: AIG’s company-reported general property claims description; no account-specific claims handling terms were reviewed..) | Confirm in your quote. |

## Full Comparison

- [AIG vs USI Insurance Services](https://spot.insure/compare/aig-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [AIG vs USI Insurance Services Crime Insurance](https://spot.insure/compare/aig-vs-usi/crime)
- [AIG vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/aig-vs-usi/cyber)
- [AIG vs USI Insurance Services D&O Insurance](https://spot.insure/compare/aig-vs-usi/directors-officers)
- [AIG vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/aig-vs-usi/employee-health-benefits)
- [AIG vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-usi/employment-practices)
- [AIG vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-usi/fiduciary)
- [AIG vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/aig-vs-usi/management-liability)
- [AIG vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-usi/professional-errors-omissions)
- [AIG vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-usi/workers-compensation)
- [AIG vs Alliance Risk Commercial Property Insurance](https://spot.insure/compare/aig-vs-alliance-risk/commercial-property)
- [AIG vs Aon Commercial Property Insurance](https://spot.insure/compare/aig-vs-aon/commercial-property)
- [AIG vs The Baldwin Group Commercial Property Insurance](https://spot.insure/compare/aig-vs-baldwin/commercial-property)
- [AIG vs Beazley Commercial Property Insurance](https://spot.insure/compare/aig-vs-beazley/commercial-property)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [AIG vs CFC Commercial Property Insurance](https://spot.insure/compare/aig-vs-cfc/commercial-property)

## 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. [Commercial Property Insurance](https://www.aig.com/home/risk-solutions/business/commercial-property). 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.

### USI Insurance Services

4. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
5. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: Property, Business Income and Contingent Business Income.... Accessed 2026-09-23.
6. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
7. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Property Coverage...; property analysts...risk control specialists.... Accessed 2026-09-23.

### Commercial Property Insurance Guide

8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
9. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
10. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. 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).

## USI Insurance Services Reviews

Review Score: 6.4 / 10 from 1 rated source, equally weighted.

USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.

- BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-usi/commercial-property.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)