What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 4,5,6,7
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 9,10,11,12,13
Key Differences in Umbrella and Excess Liability Insurance
Structure and attachment
CFC sells one excess policy above a business’s professional liability, general liability, cyber policy, or any combination, and says the underlying insurance may be with CFC or another carrier. AIG markets lead umbrella and excess casualty that can integrate with other casualty lines. A buyer comparing these structures should ask which underlying lines are scheduled and whether the quoted layer follows each policy’s terms. 3 8
Capacity and account support
CFC targets small and micro businesses across a wide range of professions and asks interested buyers to contact it directly. AIG describes capacity for small-business and corporate accounts through its casualty product. Confirm each insurer’s minimum premium, eligible class, and whether a direct or broker-led submission is required. 3 8
What to Confirm in Umbrella and Excess Liability Insurance Quotes
AIG and CFC Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG Review Score
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsCFC Review Score
Review Score
No reviews found
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]
Read CFC reviewsAIG vs CFC Umbrella and Excess Liability Insurance Compared
AIG vs CFC: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | AIG Excess Casualty and Lead Umbrella | CFC Umbrella Cover |
|---|---|---|
| Role in This Line | 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. | CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. 8Company-reported. Umbrella cover product page description of what the policy tops up. |
| Issuing Insurer | Confirm in your quote. | The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. 8,7Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product. |
| Who It’s For | 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. | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 8Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting. |
| Coverage Features | 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. | CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. 8Company-reported. Umbrella cover product page. |
| Limits and Retentions | 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 umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. 8Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself. |
| Risk Services | 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. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 8Company-reported. Umbrella cover product page call to action. |
Related Pages for AIG vs CFC Umbrella and Excess Liability Insurance
Umbrella and Excess Liability Insurance Pages for AIG and CFC
Other Coverage Lines Compared for AIG vs CFC
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for AIG vs CFC Umbrella and Excess Liability Insurance
Sources About AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Excess Casualty Insurance. AIG; Official AIG Excess Casualty page: admitted/non-admitted options, lead umbrella/mid/high excess placements, advertised per-account capacity subject to underwriting, domestic/foreign integration, risk and claims services. Accessed 2026-09-30.
Sources About CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Excess umbrella insurance cover | CFC. CFC; Umbrella cover description; 'We offer additional insurance for small and micro businesses...'. Accessed 2026-09-23.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
