AIG vs Insureon: 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.

Insureon markets Commercial Umbrella insurance through its small-business quote channel. ⁶Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

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.

The page addresses businesses seeking additional liability protection; it does not state an applicant’s limits, underlying-policy requirements or eligibility. ⁶Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

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.

The page describes umbrella coverage as additional liability protection above underlying policies; which underlying policies and terms apply depend on the quote. ⁶Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

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 cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ⁶Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.

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.

Confirm in your quote.

The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. ⁶Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.