Alliance Risk vs Corgi 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. ³Company-reported. Umbrella & Excess Liability Insurance page.

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. ⁹Company-reported. Umbrella product page description.

The reviewed umbrella/excess page does not name the insurers Alliance Risk places this coverage with. ³Not publicly disclosed. Umbrella & Excess Liability Insurance page as read on 2026-09-23; the issuing insurer depends on the specific placement.

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. ⁹Not publicly disclosed. Umbrella product page as read on 2026-09-23, checked against the site's general underwriting disclosure language.

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. ³Company-reported. Umbrella & Excess Liability Insurance page, "Who Needs" section.

Not described in the reviewed sources.

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. ³Company-reported. Umbrella & Excess Liability Insurance page, "What Is" and "What Does/Doesn't Cover" sections; the issued policy and declarations control actual terms.

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). ⁹Company-reported. Umbrella 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. ⁹Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted.

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. ³Company-reported. Umbrella & Excess Liability Insurance page, cost section; illustrative ranges, not a specific quote.

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. ⁹Company-reported. Illustrative 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.

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. ³Company-reported. Umbrella & Excess Liability Insurance page, "Risk Management Tips" section.

The reviewed umbrella page does not describe risk-management or loss-control services tied specifically to the umbrella layer. ⁹Not found in reviewed sources. Umbrella product page as read on 2026-09-23.

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. ³Not found in reviewed sources. Umbrella & Excess Liability Insurance 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. ⁵Company-reported. Homepage policy-card labeling as of 2026-09-23.

The reviewed umbrella/excess page does not describe a claims-handling or claims-advocacy process specific to this line. ³Not found in reviewed sources. Umbrella & Excess Liability Insurance page as read on 2026-09-23.

Not described in the reviewed sources.