AIG vs Amelia 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.

Amelia Risk arranges umbrella and excess liability as part of its general liability practice; its policies hub groups the two under one 'General Liability & Umbrella' catalogue card rather than listing umbrella as a standalone product. ⁸Company-reported. Policies hub as read on 2026-09-23. Describes how the firm catalogues the line, not a specific insurer or program.

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.

Amelia Risk lists Umbrella Liability among the policies it says startup clients should consider, alongside other liability lines in its startup catalogue. ⁹Company-reported. Startups specialty page as read on 2026-09-23. Describes a marketed audience, not an underwriting eligibility rule or a stated minimum for underlying limits.

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.

Amelia Risk describes an umbrella policy as one that increases the limits of a client's underlying scheduled liability policies, and notes that in some cases the product placed is technically an excess policy rather than an umbrella policy. ⁷Company-reported. General Liability page's umbrella subsection. A plain-language description of how the firm frames the product, not a specimen form or list of which underlying policies must be scheduled.

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.

The reviewed pages do not publish umbrella or excess limit amounts, attachment points or required underlying limits; Amelia Risk's description stays at the level of the product's general purpose. ^7,8Not publicly disclosed. General Liability page and policies hub as read on 2026-09-23. A checked gap, not a statement that no limit options exist.

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.

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Amelia Risk applies its general four-step brokerage process to an umbrella or excess request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁵Company-reported. Specialties page process description, which applies across the firm's lines rather than describing an umbrella-specific intake form.