---
title: "AIG vs Harper: Umbrella and Excess Liability Insurance"
description: "Harper says it maps underlying policies and follows their terms; AIG describes account-specific attachment points and potential umbrella integration with other casualty lines."
canonical: "https://spot.insure/compare/aig-vs-harper/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-harper"
provider-a: "aig"
provider-b: "harper"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-harper/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of AIG and Harper for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about AIG versus Harper. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Harper for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, AIG or Harper?
- What does AIG or Harper publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from AIG or Harper?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: AIG and Harper.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Harper](https://spot.insure/compare/aig-vs-harper) — parent: all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile (evidence)
- [AIG vs Harper Builders Risk Insurance](https://spot.insure/compare/aig-vs-harper/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Harper Commercial Auto Insurance](https://spot.insure/compare/aig-vs-harper/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Harper Commercial Property Insurance](https://spot.insure/compare/aig-vs-harper/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Harper Cyber Insurance](https://spot.insure/compare/aig-vs-harper/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Harper General Liability Insurance](https://spot.insure/compare/aig-vs-harper/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Harper Inland Marine Insurance](https://spot.insure/compare/aig-vs-harper/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Harper Product Liability Insurance](https://spot.insure/compare/aig-vs-harper/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-harper/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-harper/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-aon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs biBerk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-biberk/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# AIG vs Harper: How Do They Compare for Umbrella and Excess Liability Insurance?

Harper says it maps underlying policies and follows their terms; AIG describes account-specific attachment points and potential umbrella integration with other casualty lines.

## How to Use the AIG vs Harper Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate AIG and Harper for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## AIG vs Harper Umbrella and Excess Liability Insurance Summary

Harper identifies lease and contract limit requirements as a buying trigger; AIG markets lead, mid-excess, and high-excess positions for varied account sizes. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [6](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

## 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](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is Harper Insurance?

Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. [4](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [5](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves")

[Harper profile](https://spot.insure/insurance-providers/harper)

## 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. [7](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [10](https://www.coverdash.com/coverage "Coverage Hub") [11](https://kinro.com/products "Products")

## What Are the Key Differences Between AIG and Harper Umbrella and Excess Liability Insurance?

### Form and underlying coverage

Harper says its umbrella can sit above general liability, auto liability, and certain employee injury lawsuits, and that it maps the underlying policies so the layer follows their terms. AIG describes lead umbrella that may integrate with domestic and foreign casualty lines but says attachment and follow-form terms are placement-specific. A buyer should compare Harper’s underlying-policy map with AIG’s proposed schedule and identify any mismatch. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [6](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

### Capacity and buyer support

Harper recommends umbrella when leases or contracts demand more limit than primary policies provide and has a specialist review those policies before recommending limits. AIG describes placements for small-business through corporate risks and provides risk experts. Ask each party to show how its recommended limit responds to the contractual requirement. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [6](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

## What Should You Confirm in AIG and Harper Umbrella and Excess Liability Insurance Quotes?

- Ask AIG which position, attachment point, and legal insurer apply to the proposed tower. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance")
- Ask Harper Umbrella to identify scheduled underlying policies, available limits, and form terms. [6](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

## AIG vs Harper Umbrella and Excess Liability Insurance Compared

| Criteria | AIG Excess Casualty and Lead Umbrella | Harper Umbrella Insurance |
| --- | --- | --- |
| 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. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. [6](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella page introduction and 'What is Umbrella insurance?' section..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. [6](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella FAQ 'Do I need an umbrella?'..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. [6](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify..)<br><br>Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. [6](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | Harper says each additional million in umbrella limits typically costs a fraction of the first million, and that industry and underlying limits drive price, but the reviewed page does not publish specific limit amounts, retentions or premium figures. [6](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Not publicly disclosed; scope: Umbrella page 'We know this' section and FAQ 'What does it cost?'; figures would appear on an actual quote..) |
| 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. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") (Evidence: Company-reported; scope: 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. | You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. [6](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella page quote form and 'Why Harper' process steps..) |

## Related Pages for AIG vs Harper Umbrella and Excess Liability

- [AIG vs Harper](https://spot.insure/compare/aig-vs-harper): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [AIG vs Harper Builders Risk Insurance](https://spot.insure/compare/aig-vs-harper/builders-risk)
- [AIG vs Harper Commercial Auto Insurance](https://spot.insure/compare/aig-vs-harper/commercial-auto)
- [AIG vs Harper Commercial Property Insurance](https://spot.insure/compare/aig-vs-harper/commercial-property)
- [AIG vs Harper Cyber Insurance](https://spot.insure/compare/aig-vs-harper/cyber)
- [AIG vs Harper General Liability Insurance](https://spot.insure/compare/aig-vs-harper/general-liability)
- [AIG vs Harper Inland Marine Insurance](https://spot.insure/compare/aig-vs-harper/inland-marine)
- [AIG vs Harper Product Liability Insurance](https://spot.insure/compare/aig-vs-harper/product-liability)
- [AIG vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-harper/professional-errors-omissions)
- [AIG vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-harper/workers-compensation)
- [AIG vs Alliance Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/umbrella-excess)
- [AIG vs Amelia Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/umbrella-excess)
- [AIG vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-aon/umbrella-excess)
- [AIG vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/umbrella-excess)
- [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess)
- [AIG vs biBerk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-biberk/umbrella-excess)

## Sources for AIG vs Harper Umbrella and Excess Liability Insurance

### Sources About AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Excess Casualty Insurance](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty). 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 Harper

4. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
5. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
6. [Umbrella Insurance](https://www.harperinsure.com/coverages/umbrella). Harper; Know your coverage: What is Umbrella insurance?; Excess over general liability, Excess over auto, Above a workplace-injury suit, Contract compliance; Why Harper; FAQs on whether an umbrella is needed, what it follows, and pricing. Accessed 2026-09-23.

### Sources for the Umbrella and Excess Liability Insurance Guide

7. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/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.
8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
9. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). 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.
10. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
11. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Review Scores for 2026

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Harper Review Scores for 2026

Review Score: not enough ratings.

We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/harper/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-harper/umbrella-excess.md)
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- [Public page index](https://spot.insure/llms.txt)