---
title: "AIG vs Liberty Mutual: Umbrella and Excess Liability Insurance"
description: "AIG describes lead and excess casualty placements; Liberty Mutual lists umbrella and excess liability in its commercial and wholesale coverage materials."
canonical: "https://spot.insure/compare/aig-vs-liberty-mutual/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-liberty-mutual"
provider-a: "aig"
provider-b: "liberty-mutual"
coverage-line: "umbrella-excess"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of AIG and Liberty Mutual 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 Liberty Mutual. 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 Liberty Mutual for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, AIG or Liberty Mutual?
- What does AIG or Liberty Mutual 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 Liberty Mutual?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: AIG and Liberty Mutual.
- 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 Liberty Mutual](https://spot.insure/compare/aig-vs-liberty-mutual) — 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)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/aig-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-insureon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-kinro/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-mylo/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)

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

AIG describes lead and excess casualty placements; Liberty Mutual lists umbrella and excess liability in its commercial and wholesale coverage materials.

## Research Scope and Use

Use this comparison to evaluate AIG and Liberty Mutual 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.

## Summary

AIG identifies lead, mid, and high excess positions, with account-specific attachment terms. Liberty Mutual lists umbrella and excess coverage through broker and agent distribution; ask for the proposed layer and underlying-policy schedule. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution")

## 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 Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [4](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## 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")

## Key Differences in Umbrella and Excess Liability Insurance

### Named tower positions versus catalogue listing

AIG markets lead umbrella, mid-excess, and high-excess positions. Liberty Mutual lists umbrella and excess liability in its commercial catalogue and wholesale-industry list. AIG’s description names tower roles, while Liberty Mutual’s reviewed listing establishes line availability in those channels, not a particular layer. Ask Liberty Mutual what placement it can offer your industry. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

### Terms and distribution

Liberty Mutual distributes commercial products through brokers and agents; its reviewed umbrella listing does not establish limits or attachment terms. AIG says its placements may integrate with other casualty lines and sets underlying policies and attachment points for the account. Ask either route for the full schedule, including insurer, limits, and follow-form terms. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Ask Liberty Mutual whether the commercial or wholesale route fits your business and request its limits, attachment point, and scheduled underlying policies; ask AIG for the same tower details. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

## Offering Details

| Criteria | AIG Excess Casualty and Lead Umbrella | Umbrella and Excess 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. [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..) | Liberty Mutual lists umbrella and excess liability in its commercial catalogue and in a wholesale-industry coverage list. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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..) | The commercial business pages distribute products through brokers and agents. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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..) | Its wholesale page names umbrella/excess cover as an option for that industry; limits and attachment terms are not established here. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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..) | Confirm in your 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. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) |

## Full Comparison

- [AIG vs Liberty Mutual](https://spot.insure/compare/aig-vs-liberty-mutual): 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 Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk)
- [AIG vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cargo-transit)
- [AIG vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-auto)
- [AIG vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-property)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime)
- [AIG vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cyber)
- [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers)
- [AIG vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices)
- [AIG vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/equipment-breakdown)
- [AIG vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/aig-vs-liberty-mutual/fidelity-bonds)
- [AIG vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/fiduciary)
- [AIG vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/general-liability)
- [AIG vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/inland-marine)
- [AIG vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/kidnap-ransom)
- [AIG vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/management-liability)
- [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions)
- [AIG vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/workers-compensation)
- [AIG vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/umbrella-excess)
- [AIG vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-insureon/umbrella-excess)
- [AIG vs Kinro Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-kinro/umbrella-excess)
- [AIG vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-markel/umbrella-excess)
- [AIG vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-mylo/umbrella-excess)
- [Aon vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess)

## Sources

### 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.

### Liberty Mutual

4. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
5. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
6. [Wholesale Distribution](https://business.libertymutual.com/industries/wholesale/). Liberty Mutual Business Insurance; Wholesale coverage options list includes cargo stock throughput, commercial auto, cyber, D&O, environmental, general liability, inland marine, management liability, property (including equipment breakdown), trade credit, umbrella/excess and workers compensation. Industry-specific examples, not universal eligibility.. Accessed 2026-09-29.

### 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 Reviews

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).

## Liberty Mutual Reviews

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-liberty-mutual/umbrella-excess.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)