AIG vs HUB International: 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.

HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ⁷Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Confirm in your quote.

The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. ⁷Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there.

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.

HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ⁷Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.

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.

HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ⁷Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.

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.

Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. ⁷Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations.

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.

HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. ⁷Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail.