What Does Umbrella and Excess Liability Insurance from Corgi Cover?

Corgi sells Commercial Umbrella as excess capacity that sits above a startup's scheduled underlying CGL, HNOA, and EPLI policies rather than as a standalone primary policy. ¹Company-reportedUmbrella product page description.

The umbrella product page does not name the issuing carrier for this line; Corgi's general disclosures say coverage may be underwritten by affiliated or third-party carriers depending on product and jurisdiction, without identifying which entity covers umbrella specifically. ¹Not publicly disclosedUmbrella product page as read on 2026-09-23, checked against the site's general underwriting disclosure language.

Corgi describes the umbrella as occurrence-based and follow-form: it attaches once a scheduled underlying policy's per-occurrence or aggregate limit is exhausted, matches that policy's terms and exclusions, and can drop down to respond as primary if an underlying policy is unavailable due to insurer insolvency or aggregate exhaustion (but generally not for a coverage exclusion). ¹Company-reportedUmbrella product page glossary and FAQ; actual attachment and drop-down terms are set by the issued policy.

Corgi lists six scenarios the umbrella extends to: CGL excess, hired-auto excess, EPLI excess, personal and advertising injury excess, products-completed operations excess, and CGL aggregate refresh. ¹Company-reportedUmbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted.

Corgi's illustrative umbrella example shows a $5 million per-occurrence and $5 million aggregate layer with a $0 self-insured retention above the scheduled underlying limits. ¹Company-reportedIllustrative policy structure ('Anatomy of a $5M Umbrella Policy') on the product page; actual limits and retention depend on the issued policy and the schedule of underlying.

The reviewed umbrella page does not describe risk-management or loss-control services tied specifically to the umbrella layer. ¹Not found in reviewed sourcesUmbrella product page as read on 2026-09-23.

Corgi's homepage lists Commercial Umbrella Liability under specialty coverages with a 1-14 day turnaround, distinct from the policies marked for an instant online quote. ²Company-reportedHomepage policy-card labeling as of 2026-09-23.