AIG vs Alliance Risk: How Do They Compare for Umbrella and Excess Liability Insurance?

AIG markets admitted and non-admitted excess casualty capacity, including lead umbrella, mid-excess and high-excess positions. The legal insurer and structure for a specific tower are account-specific. ³Company-reported. Role in this product is limited to the description on the linked AIG source.

Alliance Risk places umbrella and excess liability coverage that sits above a client's underlying general liability, auto liability or employer's liability policies, describing its role as arranging this additional layer rather than underwriting it. ⁷Company-reported. Umbrella & Excess Liability Insurance page.

Confirm in your quote.

The reviewed umbrella/excess page does not name the insurers Alliance Risk places this coverage with. ⁷Not publicly disclosed. Umbrella & Excess Liability Insurance page as read on 2026-09-23; the issuing insurer depends on the specific placement.

AIG describes lead umbrella, mid-excess and high-excess placements for a wide range of accounts, including small-business and corporate risks. It does not state an account-specific appetite or attachment eligibility. ³Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.

Alliance Risk says umbrella and excess coverage is commonly needed by construction firms, manufacturers and distributors, retailers and hospitality businesses, and logistics and transportation companies with large vehicle fleets. ⁷Company-reported. Umbrella & Excess Liability Insurance page, "Who Needs" section.

AIG describes excess liability protection against severe liabilities and lead umbrella placements that may integrate with other casualty lines. The exact underlying policies, attachment points and follow-form terms depend on the placement. ³Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.

Alliance Risk distinguishes umbrella coverage, which it says can broaden protection to some claims not in the underlying policy, from excess coverage, which strictly follows the underlying policy's terms and only extends its limits; both exclude claims already excluded by the underlying policy, first-party property damage, workers' compensation claims and intentional or criminal acts. ⁷Company-reported. Umbrella & Excess Liability Insurance page, "What Is" and "What Does/Doesn't Cover" sections; the issued policy and declarations control actual terms.

AIG advertises up to $75 million total capacity on an individual-account basis, subject to underwriting. This is not a standard or guaranteed limit for a buyer. ³Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.

Alliance Risk describes umbrella/excess limits typically starting at $1M and extending to $25M or more, with indicative annual costs of $500–$1,500 for a $1M policy at a small business up to $10,000+ for large or high-risk operations. ⁷Company-reported. Umbrella & Excess Liability Insurance page, cost section; illustrative ranges, not a specific quote.

AIG describes in-house risk experts, claims specialists, litigation-management strategies and integration with domestic and foreign casualty platforms. Those services do not change policy wording. ³Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.

Alliance Risk's risk-management guidance for this line includes contractual risk-transfer agreements with vendors and subcontractors, periodic reviews of limits against business growth, and working with a broker to model catastrophic-loss scenarios. ⁷Company-reported. Umbrella & Excess Liability Insurance page, "Risk Management Tips" section.

Confirm in your quote.

The reviewed umbrella/excess page does not describe a line-specific quote submission checklist beyond the general "Get a Quote" contact form used across Alliance Risk's product pages. ⁷Not found in reviewed sources. Umbrella & Excess Liability Insurance page as read on 2026-09-23.

Confirm in your quote.

The reviewed umbrella/excess page does not describe a claims-handling or claims-advocacy process specific to this line. ⁷Not found in reviewed sources. Umbrella & Excess Liability Insurance page as read on 2026-09-23.