AIG vs Coverdash: 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.

Coverdash arranges commercial umbrella coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^6,7Company-reported. General brokerage terms applied to the umbrella page; not specific to any one carrier or state.

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The umbrella page does not name the insurer that issues the policy. ⁷Not publicly disclosed. Reviewed umbrella page as of 2026-09-23; the page describes coverage without naming a specific carrier.

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.

Coverdash markets umbrella coverage to businesses that face large liability exposure or whose contracts require higher limits than their underlying policies carry. ⁷Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and the underlying policies already in place.

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.

Coverdash describes its umbrella product as an extra layer of liability limits that sits above general liability, commercial auto and the employer-liability part of workers' compensation once those underlying limits are exhausted by a large claim. ⁷Company-reported. Product-page coverage cards; the underlying policies and their limits determine when umbrella coverage attaches, and the issued umbrella policy controls actual wording and exclusions.

Coverdash's coverage hub lists Umbrella and Excess Liability as two separate catalog entries in its Excess & Specialty group, though the umbrella product page itself does not explain how the two differ. ^8,7Not found in reviewed sources. Coverage hub category structure; the umbrella page reviewed for this record does not distinguish umbrella from a standalone excess-liability policy.

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 umbrella page does not publish specific available limit amounts, attachment points or pricing. ⁷Not publicly disclosed. Reviewed umbrella page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

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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Coverdash describes a fully digital quote-to-purchase process for umbrella coverage, which it sells on top of a business's existing underlying policies. ⁷Company-reported. Product-page company information and cross-sell section.