Equipment

CONS

• • Primarily a commercial/large-account carrier — small contractors and sole proprietors often find AIG's underwriting minimums and appetite geared toward larger accounts written through brokers rather than direct
• • Received significant federal assistance during the 2008 financial crisis (~$182B TARP-era support, fully repaid by 2012 per U.S. Treasury records), which still affects some buyers' brand perception

CONS

• • Not a retail/consumer carrier — equipment policies are broker-placed with minimum premium thresholds that typically exclude sole proprietors and small owner-operators
• • Online self-service quoting is limited compared to Progressive Commercial or Nationwide; binding and endorsements generally require agent intermediation

CONS

• • High deductibles
• • Coverage limits

CONS

• • High deductibles
• • Coverage limits

CONS

• • High deductibles
• • Coverage limits