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

Corgi illustrates a $5 million umbrella above scheduled startup GL, auto and EPLI; Alliance Risk describes layers from $1 million to $25 million or more for commercial trades and fleet risks.

Alliance Risk fits businesses with auto or employer's liability exposure that need $1 million to $25 million or more on top. Corgi fits startups stacking a $5 million umbrella over their Corgi general liability, hired auto and EPLI policies. ^1,²

What Are the Key Differences Between Alliance Risk and Corgi Umbrella and Excess Liability Insurance?

What the Umbrella Sits On Top Of

Alliance Risk places the layer over general liability, auto liability or employer's liability, the policies that matter most for fleets and crews. Corgi's example layer sits over general liability, hired and non-owned auto and EPLI, which suits an office-based startup. Corgi also describes drop-down if an underlying insurer becomes insolvent, and Alliance Risk doesn't. Choose Alliance Risk if you run vehicles or have employer's liability exposure; choose Corgi if you're a startup already buying those three Corgi lines. ¹ ²

How Much Limit and What It Costs

Alliance Risk describes limits from $1 million to $25 million or more, with example premiums of $500 to $1,500 for a $1 million small-business layer. Corgi illustrates a single $5 million per-occurrence and aggregate layer and publishes no price. If you need more than $5 million, Alliance Risk shows the wider range. ¹ ²

What Should You Confirm in Alliance Risk and Corgi Umbrella and Excess Liability Insurance Quotes?

Ask Alliance Risk whether insolvency drop-down is in the form. ² ¹
Get your actual limit and premium on the declarations; both figures above are examples. ² ¹
Ask both which insurer issues the umbrella; neither names one. ² ¹

Alliance Risk vs Corgi Umbrella and Excess Liability Compared

Alliance Risk vs Corgi: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Alliance Risk Umbrella & Excess Liability Insurance	Corgi Commercial Umbrella Liability
Limits and Retentions	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. ¹Company-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. ²Company-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.
Coverage Features	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. ¹Company-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). ²Company-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. ²Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted.
Role in This Line	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. ¹Company-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. ²Company-reported. Umbrella product page description.

Criteria

Alliance Risk Umbrella & Excess Liability Insurance

Corgi Commercial Umbrella Liability

Limits and Retentions

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. ¹Company-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. ²Company-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.

Coverage Features

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. ¹Company-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). ²Company-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. ²Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted.

Role in This Line

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. ¹Company-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. ²Company-reported. Umbrella product page description.