Alliance Risk vs Aon: How Do They Compare for Umbrella and Excess Liability Insurance?

Alliance Risk places umbrella and excess liability coverage that sits above a client's underlying general liability, auto liability or employer's liability policies, describing its role as arranging this additional layer rather than underwriting it. ⁴Company-reported. Umbrella & Excess Liability Insurance page.

Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For umbrella and excess liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. ⁷Company-reported. Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.

The reviewed umbrella/excess page does not name the insurers Alliance Risk places this coverage with. ⁴Not publicly disclosed. Umbrella & Excess Liability Insurance page as read on 2026-09-23; the issuing insurer depends on the specific placement.

The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. ⁷Not found in reviewed sources. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.

Alliance Risk says umbrella and excess coverage is commonly needed by construction firms, manufacturers and distributors, retailers and hospitality businesses, and logistics and transportation companies with large vehicle fleets. ⁴Company-reported. Umbrella & Excess Liability Insurance page, "Who Needs" section.

Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. ⁷Company-reported. Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement.

Alliance Risk distinguishes umbrella coverage, which it says can broaden protection to some claims not in the underlying policy, from excess coverage, which strictly follows the underlying policy's terms and only extends its limits; both exclude claims already excluded by the underlying policy, first-party property damage, workers' compensation claims and intentional or criminal acts. ⁴Company-reported. Umbrella & Excess Liability Insurance page, "What Is" and "What Does/Doesn't Cover" sections; the issued policy and declarations control actual terms.

Aon lists Umbrella and Excess Liability as separate coverage areas within construction liability. The page does not specify an attachment point, underlying policy, limits or terms for a particular placement. ⁷Company-reported. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.

Alliance Risk describes umbrella/excess limits typically starting at $1M and extending to $25M or more, with indicative annual costs of $500–$1,500 for a $1M policy at a small business up to $10,000+ for large or high-risk operations. ⁴Company-reported. Umbrella & Excess Liability Insurance page, cost section; illustrative ranges, not a specific quote.

The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. ⁷Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.

Alliance Risk's risk-management guidance for this line includes contractual risk-transfer agreements with vendors and subcontractors, periodic reviews of limits against business growth, and working with a broker to model catastrophic-loss scenarios. ⁴Company-reported. Umbrella & Excess Liability Insurance page, "Risk Management Tips" section.

Aon describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. ⁷Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.

The reviewed umbrella/excess page does not describe a line-specific quote submission checklist beyond the general "Get a Quote" contact form used across Alliance Risk's product pages. ⁴Not found in reviewed sources. Umbrella & Excess Liability Insurance page as read on 2026-09-23.

Confirm in your quote.

The reviewed umbrella/excess page does not describe a claims-handling or claims-advocacy process specific to this line. ⁴Not found in reviewed sources. Umbrella & Excess Liability Insurance page as read on 2026-09-23.

Confirm in your quote.