AIG vs 
Mylo: How Do They Compare for Umbrella and Excess Liability 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. 1,2
What Is Mylo Insurance?
Mylo suits small businesses wanting online quote comparisons or licensed-advisor help; firms needing complex program management should compare full-service brokers. Mylo says 95% of customers pay no fee, though some transactions carry fees. 4,5
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. 7,8,9,10,11
Key Differences in Umbrella and Excess Liability Insurance
Who carries and places the risk
AIG markets admitted and non-admitted capacity for lead, mid, and high excess positions. Mylo brokers umbrella coverage by comparing multiple carriers rather than underwriting it. The AIG proposal will identify its account-specific insurer and tower structure; ask Mylo which carriers can follow your existing policies. 3 6
Typical limits and underlying policies
Mylo says most commercial umbrella policies add $1 million to $15 million above underlying policies and cannot be used on their own. AIG describes excess protection that can integrate with casualty lines but sets attachment and underlying terms account by account. Compare the quoted limit and attachment, not Mylo’s general range, against the requirement you need to meet. 3 6
What to Confirm in Umbrella and Excess Liability Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
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.[1][2]
Read AIG reviewsMylo
Review Score
2 rated sources
Mylo has strong feedback on its Kansas City Birdeye listing, while its tiny Trustpilot sample is negative. Most available feedback mixes personal and business insurance.[4][6][7]
Read Mylo reviewsOffering Details
AIG vs Mylo: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | AIG Excess Casualty and Lead Umbrella | Mylo Commercial 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. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 6Company-reported. Commercial umbrella product page. |
| Issuing Insurer | Confirm in your quote. | The commercial umbrella product page does not name the insurer that would issue a given business's policy. 6Not publicly disclosed. Checked the commercial umbrella product page on 2026-09-23. |
| 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. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Mylo says umbrella coverage may also be needed for businesses operating internationally whose primary policy limits overseas protection, or that have signed a contract with a customer, partner or vendor requiring umbrella coverage. 6Company-reported. Commercial umbrella product page FAQ. |
| 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. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Mylo describes commercial umbrella as extra liability protection that takes over once a business exhausts the limits of its general liability, commercial auto or workers' compensation policies, and says it cannot be purchased or used on its own without an underlying policy in place. 6Company-reported. Commercial umbrella product page; the issued policy and its exclusions control. |
| 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. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Mylo says most commercial umbrella policies pay out between $1 million and $15 million in additional coverage above the underlying policy's limits. 6Company-reported. Commercial umbrella product page FAQ; a general market range, not a quoted limit for any specific business. |
| 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. 3Company-reported. 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. | Mylo says a licensed agent reviews the specific business to give a personalized recommendation on whether umbrella coverage makes sense, and compares quotes from top-rated carriers. 6Company-reported. Commercial umbrella product page "How will Mylo find me the right policy?" section. |
Full Comparison
More AIG vs Mylo Comparisons
Other Umbrella and Excess Liability Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Excess Casualty Insurance. 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.
Mylo
- Small Business Insurance. Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Commercial Umbrella. Mylo; Rainy days? Try Umbrella coverage; Don't put a limit on your success (example scenarios for general liability, commercial auto and workers' comp); Umbrella coverage FAQs (typical payout range, standalone-use limitation); How will Mylo find me the right policy? Accessed 2026-09-23.
Umbrella and Excess Liability Insurance Guide
- 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.
- Commercial Insurance Guide. 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.
- Lines of Insurance. 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.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
