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

Corgi sells commercial umbrella above a startup's scheduled CGL, HNOA and EPLI policies, with an illustrative $5 million example. Amelia Risk lists Umbrella Liability among policies startups should consider and works through a four-step brokerage process.

Corgi gives startups a clearer umbrella: it sits over GL, hired auto and employment practices, illustrated at $5 million with no retention, and steps in if an underlying limit runs out. Amelia Risk lists umbrella for startups but publishes no limits or structure. ^5,^1,³

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

What You Can See Before You Apply

Corgi's umbrella is occurrence-based and follows the terms of your underlying CGL, hired and non-owned auto and EPLI. Its example layer is $5 million per occurrence and in aggregate with a $0 self-insured retention, so you pay nothing out of pocket before it responds. Amelia Risk lists umbrella among the policies startups should consider but doesn't name the underlying lines or show a sample structure. Choose Corgi if you already carry GL, hired auto and EPLI and want to see the terms up front; choose Amelia Risk if you want a broker to shop the layer across the market. ³ ⁵

Protection When an Underlying Limit Fails

Corgi says its umbrella can drop down and pay first if an underlying insurer goes insolvent or an aggregate is used up. It lists six extension scenarios, including excess personal and advertising injury and a refreshed CGL aggregate. Amelia Risk notes some placements are technically straight excess rather than umbrella, which usually means no broader cover, and describes no drop-down. ⁵ ¹

How Long It Takes

Corgi labels commercial umbrella a 1–14 day specialty product, not an instant quote, so start well before a contract deadline. Amelia Risk runs its usual four-step brokerage process and publishes no timeline. ⁶ ⁴

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

Ask Corgi whether your CGL, hired auto and EPLI are scheduled underneath; ask Amelia Risk which underlying policies it needs. ⁵ ¹
Ask whether drop-down for an insolvent insurer is in the policy you're offered. ⁵
Ask Amelia Risk whether you're getting a true umbrella or straight excess, and get an actual limit from both; Corgi's $5 million is an example. ⁵ ¹
Ask both for a timeline and which insurer issues the policy. ⁶ ⁴

Amelia Risk vs Corgi Umbrella and Excess Liability Insurance Compared

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

Criteria	Umbrella / Excess Liability	Corgi Commercial Umbrella Liability
How to Apply	Amelia Risk applies its general four-step brokerage process to an umbrella or excess request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing an umbrella-specific intake form.	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. ⁶Company-reported. Homepage policy-card labeling as of 2026-09-23.
Coverage Features	Amelia Risk describes an umbrella policy as one that increases the limits of a client's underlying scheduled liability policies, and notes that in some cases the product placed is technically an excess policy rather than an umbrella policy. ¹Company-reported. General Liability page's umbrella subsection. A plain-language description of how the firm frames the product, not a specimen form or list of which underlying policies must be scheduled.	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). ⁵Company-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. ⁵Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted.
Role in This Line	Amelia Risk arranges umbrella and excess liability as part of its general liability practice; its policies hub groups the two under one 'General Liability & Umbrella' catalogue card rather than listing umbrella as a standalone product. ²Company-reported. Policies hub as read on 2026-09-23. Describes how the firm catalogues the line, not a specific insurer or program.	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. ⁵Company-reported. Umbrella product page description.

Criteria

Umbrella / Excess Liability

Corgi Commercial Umbrella Liability

How to Apply

Amelia Risk applies its general four-step brokerage process to an umbrella or excess request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing an umbrella-specific intake form.

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. ⁶Company-reported. Homepage policy-card labeling as of 2026-09-23.

Coverage Features

Amelia Risk describes an umbrella policy as one that increases the limits of a client's underlying scheduled liability policies, and notes that in some cases the product placed is technically an excess policy rather than an umbrella policy. ¹Company-reported. General Liability page's umbrella subsection. A plain-language description of how the firm frames the product, not a specimen form or list of which underlying policies must be scheduled.

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). ⁵Company-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. ⁵Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted.

Role in This Line

Amelia Risk arranges umbrella and excess liability as part of its general liability practice; its policies hub groups the two under one 'General Liability & Umbrella' catalogue card rather than listing umbrella as a standalone product. ²Company-reported. Policies hub as read on 2026-09-23. Describes how the firm catalogues the line, not a specific insurer or program.

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. ⁵Company-reported. Umbrella product page description.