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 Corgi Insurance?
Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. 4,5,6,7,8
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. 10,11,12,13,14
Key Differences in Umbrella and Excess Liability Insurance
Form and underlying coverage
Corgi’s illustrative umbrella sits above scheduled CGL, hired/non-owned auto, and EPLI, with a $5 million per-occurrence and aggregate limit and $0 self-insured retention. It describes occurrence-based follow-form coverage and limited drop-down situations, including underlying insurer insolvency or aggregate exhaustion. AIG offers lead umbrella and excess positions but says attachment and follow-form terms depend on the placement. Buyers should compare the scheduled underlying policies and drop-down wording carefully. 3 9
Capacity and buyer support
AIG advertises up to $75 million total capacity on an account, subject to underwriting, while Corgi publishes a specific illustrative $5 million layer for startup policies. Neither figure guarantees terms for a buyer. Ask for the actual limit, attachment, retention, and treatment of exhausted or unavailable underlying coverage. 3 9
What to Confirm in Umbrella and Excess Liability Insurance Quotes
AIG and Corgi 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 reviewsCorgi Review Score
Review Score
No reviews found
The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.[4][8]
Read Corgi reviewsAIG vs Corgi Umbrella and Excess Liability Insurance Compared
AIG vs Corgi: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | AIG Excess Casualty and Lead Umbrella | Corgi Commercial Umbrella Liability |
|---|---|---|
| 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. | Corgi sells Commercial Umbrella as excess capacity that sits above a startup's scheduled underlying CGL, HNOA, and EPLI policies rather than as a standalone primary policy. 9Company-reported. Umbrella product page description. |
| Issuing Insurer | Confirm in your quote. | The umbrella product page does not name the issuing carrier for this line; Corgi's general disclosures say coverage may be underwritten by affiliated or third-party carriers depending on product and jurisdiction, without identifying which entity covers umbrella specifically. 9Not publicly disclosed. Umbrella product page as read on 2026-09-23, checked against the site's general underwriting disclosure language. |
| 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. | Confirm in your quote. |
| 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. | Corgi describes the umbrella as occurrence-based and follow-form: it attaches once a scheduled underlying policy's per-occurrence or aggregate limit is exhausted, matches that policy's terms and exclusions, and can drop down to respond as primary if an underlying policy is unavailable due to insurer insolvency or aggregate exhaustion (but generally not for a coverage exclusion). 9Company-reported. Umbrella product page glossary and FAQ; actual attachment and drop-down terms are set by the issued policy. Corgi lists six scenarios the umbrella extends to: CGL excess, hired-auto excess, EPLI excess, personal and advertising injury excess, products-completed operations excess, and CGL aggregate refresh. 9Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted. |
| 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. | Corgi's illustrative umbrella example shows a $5 million per-occurrence and $5 million aggregate layer with a $0 self-insured retention above the scheduled underlying limits. 9Company-reported. Illustrative policy structure ('Anatomy of a $5M Umbrella Policy') on the product page; actual limits and retention depend on the issued policy and the schedule of underlying. |
| 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. | The reviewed umbrella page does not describe risk-management or loss-control services tied specifically to the umbrella layer. 9Not found in reviewed sources. Umbrella product page as read on 2026-09-23. |
| How to Apply | Confirm in your quote. | Corgi's homepage lists Commercial Umbrella Liability under specialty coverages with a 1-14 day turnaround, distinct from the policies marked for an instant online quote. 5Company-reported. Homepage policy-card labeling as of 2026-09-23. |
Related Pages for AIG vs Corgi Umbrella and Excess Liability Insurance
Umbrella and Excess Liability Insurance Pages for AIG and Corgi
Other Coverage Lines Compared for AIG vs Corgi
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for AIG vs Corgi 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 Corgi
- Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies list: "1-14 days turnaround Commercial Umbrella Liability". Accessed 2026-09-23.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
- Commercial Umbrella Insurance for Startups | Corgi Insurance. Corgi Insurance; Anatomy of a $5M Umbrella Policy (form CORG-UMB-0100); How Umbrella Compares to CGL and Excess Liability; The Six Scenarios Umbrella Extends To; Umbrella Glossary; FAQ. 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.
