AIG is a leading global commercial property insurer with substantial capacity for mid-market and enterprise risks. RMO BizProperty offers SMB-focused commercial property at member-rate pricing. Here’s how they compare.
AIG handles complex global property risks. RMO targets clean SMB at member pricing.
Larger or more complex risks (high-value buildings, manufacturing, multi-location) often fit better with AIG’s mid-market+ appetite.
RMO BizProperty vs. AIG on segment, capacity, and distribution.
| Feature | RMO BizProperty Insurance | AIG |
|---|---|---|
| Target segment | Small to mid-market | Mid-market and enterprise |
| Building coverage | Yes | Yes — including high-value and complex risks |
| Business interruption | Yes — standard form | Yes — deep BI underwriting |
| Specialty property classes | Standard SMB appetite | Yes — mature specialty appetite |
| Multi-location schedule | SMB-scoped | Very large multi-location schedules |
| Risk-control engineering | Standard | Mature on-site risk-engineering teams |
| Global property programs | US-focused | Global program capability |
| Distribution | Direct to RMO members | Broker channel (retail and wholesale) |
| Member-rate pricing | Yes | Standard broker market |
| Bundles with broader RMO P&C | Yes — via RMO membership | AIG multi-line |
Comparison details summarized for context. Coverage availability, terms, premiums, and discounts vary by state, occupancy, construction, and individual underwriting.
AIG is the right carrier for high-value, multi-location, specialty, or global property risks. RMO BizProperty is the right answer for clean SMB risks wanting member-rate pricing direct.
Building type, occupancy, square footage, equipment, and any prior claims.
Coverage limits, deductibles, and any required endorsements (water, equipment breakdown, etc.) priced out.
Pay first premium; bundle with BOP, BizCyber, or commercial auto for stacked discounts.
RMO BizProperty is US-focused. Multi-country property programs are better placed with global carriers like AIG. RMO can write the US locations while AIG or another global carrier coordinates internationally.
Very high-value buildings typically fit better with carriers specializing in high-value-property risk engineering. Talk to RMO BizProperty specialist about your specific situation; for some risks we may write primary with excess elsewhere.
Specialty industrial classes fit some RMO appetite. Submit specific industry and operations for honest fit assessment. Highly specialized industries may fit AIG or similar specialty carriers better.
Both have mature claim operations. For very large losses, AIG’s enterprise claim resources and engineering depth can be advantageous. For SMB losses, direct RMO member services is typically faster.
AIG is typically placed through brokers. RMO BizProperty is direct-to-member. Both paths are valid; pick based on whether you want broker advice or direct member servicing.
Guides, plans, and more RMO comparisons to help you decide with confidence.
Building + business personal property + business interruption coverage with member-rate pricing and bundle discounts.
