---
title: "AIG vs Risklytics: Umbrella and Excess Liability Insurance"
description: "AIG markets excess casualty placements; Risklytics Extra Limits describes $1 million to $10 million layers for contract-driven liability requirements."
canonical: "https://spot.insure/compare/aig-vs-risklytics/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-risklytics"
provider-a: "aig"
provider-b: "risklytics"
coverage-line: "umbrella-excess"
---

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

## Agent Guide

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

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: AIG and Risklytics.
- 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 Risklytics](https://spot.insure/compare/aig-vs-risklytics) — 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)
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence)
- [AIG vs Risklytics Commercial Property Insurance](https://spot.insure/compare/aig-vs-risklytics/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Risklytics Cyber Insurance](https://spot.insure/compare/aig-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Risklytics D&O Insurance](https://spot.insure/compare/aig-vs-risklytics/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Risklytics General Liability Insurance](https://spot.insure/compare/aig-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Risklytics Inland Marine Insurance](https://spot.insure/compare/aig-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-risklytics/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 Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/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)

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

AIG markets excess casualty placements; Risklytics Extra Limits describes $1 million to $10 million layers for contract-driven liability requirements.

## Research Scope and Use

Use this comparison to evaluate AIG and Risklytics 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 offers lead, mid, and high excess positions with account-specific terms. Risklytics says its program stacks limits above primary policies when contracts require more coverage and lists typical requests of $1 million to $10 million. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (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 Risklytics Insurance?

Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [5](https://www.risklytics.ai/ "Insurance for Frontier Tech") [6](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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. [9](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [12](https://www.coverdash.com/coverage "Coverage Hub") [13](https://kinro.com/products "Products")

## Key Differences in Umbrella and Excess Liability Insurance

### Contract requirement and layer structure

AIG markets admitted and non-admitted capacity for lead umbrella, mid-excess, and high-excess positions. Risklytics describes extra limits over general liability, auto, or employers’ liability when a contract exceeds the primary policy, often asking for $5 million or more. Bring the contract language to both and compare the layer each proposes. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")

### Limit range and issuing insurer

Risklytics lists typical requests of $1 million to $10 million and places the program with outside carriers; its site does not name the issuing insurer. AIG markets admitted and non-admitted capacity, while the insurer and tower structure depend on the account. Ask Risklytics to identify the carrier and AIG to name the entity issuing each layer. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are")

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

- Ask Risklytics which carrier will issue the policy and whether the contract limit fits the program; ask AIG for its named insurer and full attachment schedule. [3](https://www.aig.com/home/risk-solutions/business/casualty/excess-casualty "Excess Casualty Insurance") [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")

## Offering Details

| Criteria | AIG Excess Casualty and Lead Umbrella | Risklytics Extra Limits (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..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Extra Limits (Umbrella) Insurance with outside carriers; it says it does not underwrite policies itself. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| Issuing Insurer | Confirm in your quote. | Risklytics does not name the carrier that underwrites Risklytics Extra Limits (Umbrella) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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..) | Risklytics says the usual trigger is the first contract demanding more liability coverage than the primary policy carries, often an enterprise master service agreement or a site owner asking for $5 million or more. [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | Risklytics describes this line as stacking extra liability limits, commonly over general liability, commercial auto and employer's liability, on top of a primary policy when a contract demands higher limits than the primary carries, and says it rarely sits over Tech E&O. [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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..) | Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| 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..) | Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | Confirm in your quote. | You start Risklytics Extra Limits (Umbrella) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [8](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [AIG vs Risklytics](https://spot.insure/compare/aig-vs-risklytics): 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 Risklytics Commercial Property Insurance](https://spot.insure/compare/aig-vs-risklytics/commercial-property)
- [AIG vs Risklytics Cyber Insurance](https://spot.insure/compare/aig-vs-risklytics/cyber)
- [AIG vs Risklytics D&O Insurance](https://spot.insure/compare/aig-vs-risklytics/directors-officers)
- [AIG vs Risklytics General Liability Insurance](https://spot.insure/compare/aig-vs-risklytics/general-liability)
- [AIG vs Risklytics Inland Marine Insurance](https://spot.insure/compare/aig-vs-risklytics/inland-marine)
- [AIG vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-risklytics/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 Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/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)

## 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.

### Risklytics

4. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
5. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
6. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
7. [Extra Limits (Umbrella) Insurance](https://www.risklytics.ai/lines/umbrella/). Risklytics; Coverage line: Extra Limits (Umbrella); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
8. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### Umbrella and Excess Liability Insurance Guide

9. [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.
10. [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.
11. [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.
12. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
13. [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).

## Risklytics Reviews

Review Score: not enough ratings.

Risklytics has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.



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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-risklytics/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)