--- title: "AIG Builders Risk Insurance" description: "What AIG Builders Risk Insurance covers, who it’s for, and its risk services, cited to AIG US’s own published sources." canonical: "https://spot.insure/insurance-providers/aig/builders-risk" page-type: "offering-page" updated-at: "2026-09-30" --- 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/insurance-providers/aig/builders-risk) # AIG Builders Risk Insurance AIG Builders Risk AIG markets Builders Risk as a construction property insurance solution for single projects and master programs. AIG is the marketing name; the page says products are written or provided by AIG subsidiaries or affiliates and does not identify the issuing company for a particular policy. [1](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: AIG’s U.S. Builders Risk product page and its general legal footer. This establishes AIG’s marketed product and issuer structure, not the insurer on an individual quote, binder or policy.) ## Who It’s For - The page describes solutions for a range of construction projects, including small, mid-sized and complex projects, and says AIG develops domestic, multinational and multi-year arrangements. It also describes customized options for wood-frame structures. These are marketed capabilities, not eligibility guarantees. [1](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Project types and program configurations stated on AIG’s U.S. Builders Risk page. The page does not provide a complete underwriting appetite or state-by-state availability schedule.) ## Coverage Features - AIG describes tailoring project coverage to construction risks and gives an example of arranging coverage for a project standstill and an extension for the expected remaining project term. These examples do not establish that any buyer is entitled to a standstill extension or that it is included in a policy. [1](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: AIG’s illustrative Builders Risk marketing examples. The page directs interested buyers to the actual policy for coverage scope, limitations, terms, conditions and exclusions.) ## Limits and Retentions - **Not publicly disclosed.** The reviewed product page does not state a standard policy limit, deductible or retention. AIG says coverage depends on the actual policy language; confirm the applicable amounts and conditions in the quote and issued policy. [1](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Scope: AIG’s U.S. Builders Risk marketing page as reviewed on 2026-09-30. No buyer-specific quote, declarations or policy form was reviewed; this is not a finding that such terms are unavailable from AIG.) ## Risk Services - AIG says its risk engineers can work with clients on loss-prevention improvements and customized service plans, including loss-control reports. The page describes these as risk services and does not make them policy coverage or a guaranteed loss outcome. [1](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Company-described services on the U.S. Builders Risk page; availability for a particular account is not specified.) ## Claims Support - AIG states that, after property-damage coverage is confirmed, it promises working funds equal to 50% of its share of the agreed property-damage estimate within seven days. This is AIG’s stated claim-funding service condition; the page does not make it a general claim-payment deadline or establish policy entitlement for every loss. [1](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk "Builders Risk Insurance") (Evidence: Company-reported; scope: Conditional company statement on the Builders Risk page. It applies only as described there and remains subject to the actual policy and claim circumstances.) ## Other AIG Coverage Lines - [AIG Cargo and Transit Insurance](https://spot.insure/insurance-providers/aig/cargo-transit) - [AIG Commercial Auto Insurance](https://spot.insure/insurance-providers/aig/commercial-auto) - [AIG Commercial Property Insurance](https://spot.insure/insurance-providers/aig/commercial-property) - [AIG Crime Insurance](https://spot.insure/insurance-providers/aig/crime) - [AIG Cyber Insurance](https://spot.insure/insurance-providers/aig/cyber) - [AIG Employee Health Benefits](https://spot.insure/insurance-providers/aig/employee-health-benefits) - [AIG Employment Practices Liability Insurance](https://spot.insure/insurance-providers/aig/employment-practices) - [AIG Equipment Breakdown Insurance](https://spot.insure/insurance-providers/aig/equipment-breakdown) - [AIG Fidelity Bonds](https://spot.insure/insurance-providers/aig/fidelity-bonds) - [AIG Fiduciary Liability Insurance](https://spot.insure/insurance-providers/aig/fiduciary) - [AIG General Liability Insurance](https://spot.insure/insurance-providers/aig/general-liability) - [AIG Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/aig/hired-non-owned-auto) - [AIG Inland Marine Insurance](https://spot.insure/insurance-providers/aig/inland-marine) - [AIG Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/aig/kidnap-ransom) - [AIG Media Liability Insurance](https://spot.insure/insurance-providers/aig/media) - [AIG Product Liability Insurance](https://spot.insure/insurance-providers/aig/product-liability) - [AIG Product Recall Insurance](https://spot.insure/insurance-providers/aig/product-recall) - [AIG Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/aig/professional-errors-omissions) - [AIG Representations and Warranties Insurance](https://spot.insure/insurance-providers/aig/representations-warranties) - [AIG Tech E&O Insurance](https://spot.insure/insurance-providers/aig/technology-errors-omissions) - [AIG Trucking Insurance](https://spot.insure/insurance-providers/aig/trucking) - [AIG Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/aig/umbrella-excess) ## Related - [AIG Profile](https://spot.insure/insurance-providers/aig) - [AIG Reliability](https://spot.insure/insurance-providers/aig/reliability) - [AIG Alternatives](https://spot.insure/insurance-providers/aig/alternatives) - [Coverage Guide: Builders risk](https://spot.insure/coverage/builders-risk) ## Sources 1. [Builders Risk Insurance](https://www.aig.com/home/risk-solutions/business/commercial-property/builders-risk). AIG US; ‘Why choose AIG Builders Risk Insurance?’ and ‘AIG Advantage’: lines 242–280, including project scope, tailored solutions, risk engineering and conditional claim-funding statement; policy-language and coverage caveat lines 365–366; legal footer lines 411–415. Accessed 2026-09-30. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/aig/builders-risk.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)