--- title: "Berkshire Hathaway Specialty Insurance vs Corgi: Umbrella and Excess Liability Insurance" description: "For selected U.S. casualty risks, Berkshire Hathaway Specialty Insurance’s guide names lead umbrella, follow-form excess, and retained-limit forms; Corgi describes an occurrence-based follow-form umbrella above a startup’s scheduled policies." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/umbrella-excess" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-corgi" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "corgi" coverage-line: "umbrella-excess" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/umbrella-excess) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Corgi for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Berkshire Hathaway Specialty Insurance versus Corgi. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Berkshire Hathaway Specialty Insurance vs Corgi for Umbrella and Excess Liability Insurance: how do they differ? - Which is better for Umbrella and Excess Liability Insurance, Berkshire Hathaway Specialty Insurance or Corgi? - What does Berkshire Hathaway Specialty Insurance or Corgi publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Umbrella and Excess Liability Insurance from Berkshire Hathaway Specialty Insurance or Corgi? **Key facts:** - Line: Umbrella and Excess Liability Insurance. Providers: Berkshire Hathaway Specialty Insurance and Corgi. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Berkshire Hathaway Specialty Insurance vs Corgi](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi) — parent: all coverage lines for this pair - [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Corgi Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Corgi Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Corgi D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/fiduciary) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Corgi General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Corgi Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/media) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/representations-warranties) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Corgi Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-corgi/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/umbrella-excess) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Corgi: How Do They Compare for Umbrella and Excess Liability Insurance? For selected U.S. casualty risks, Berkshire Hathaway Specialty Insurance’s guide names lead umbrella, follow-form excess, and retained-limit forms; Corgi describes an occurrence-based follow-form umbrella above a startup’s scheduled policies. ## How to Use the Berkshire Hathaway Specialty Insurance vs Corgi Umbrella and Excess Liability Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Corgi for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Berkshire Hathaway Specialty Insurance vs Corgi Umbrella and Excess Liability Insurance Summary For selected U.S. casualty risks in the appetite guide, Berkshire Hathaway Specialty Insurance lists lead umbrella, follow-form excess, and retained-limit forms. Corgi describes an occurrence-based follow-form umbrella above a startup’s scheduled CGL, hired and non-owned auto, and EPLI policies; actual attachment and drop-down terms are set by the issued policy and underlying schedule. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") ## What Is Berkshire Hathaway Specialty Insurance? BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ## What Is Corgi Insurance? Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. [7](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [9](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [10](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [11](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups") [Corgi profile](https://spot.insure/insurance-providers/corgi) ## What Is Umbrella and Excess Liability Insurance? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [13](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [14](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [15](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [16](https://www.coverdash.com/coverage "Coverage Hub") [17](https://kinro.com/products "Products") ## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Corgi Umbrella and Excess Liability Insurance? ### Follow-Form Structure For selected risks in its U.S. casualty appetite, Berkshire Hathaway Specialty Insurance lists follow-form excess among its structures. Corgi describes its umbrella as occurrence-based and follow-form, attaching after a scheduled underlying policy’s per-occurrence or aggregate limit is exhausted; its page also describes limited drop-down situations. Both describe follow-form excess structure, with Corgi’s page specifying occurrence and attachment mechanics. The actual terms still come from the issued policy and schedule. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") ### Market Fit and Underlying Program Berkshire Hathaway Specialty Insurance lists construction, manufacturing/distribution, real estate, energy, and trucking among umbrella/excess target classes, subject to restrictions and underwriting appetite. Corgi describes commercial umbrella above scheduled CGL, hired and non-owned auto, and EPLI for startups. Both descriptions concern commercial accounts seeking an excess layer, but the Corgi product page is startup-scoped and lists underlying policies rather than industry eligibility. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") ## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Corgi Umbrella and Excess Liability Insurance Quotes? - Ask which form, exhaustion trigger, and drop-down terms the proposed policy would specify. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") - Ask whether the business class, stage, and scheduled underlying policies fit the described product scope. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") ## Berkshire Hathaway Specialty Insurance vs Corgi Umbrella and Excess Liability Compared | Criteria | Lead umbrella and excess casualty | Corgi Commercial Umbrella Liability | | --- | --- | --- | | Role in This Line | Confirm in your quote. | 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. [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Umbrella product page description..) | | Issuing Insurer | Confirm in your quote. | 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. [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Not publicly disclosed; scope: Umbrella product page as read on 2026-09-23, checked against the site's general underwriting disclosure language..) | | Who It’s For | BHSI lists manufacturers/distributors, real estate, grocery, financial institutions, construction, energy and trucking as umbrella/excess targets. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: BHSI US lead umbrella/excess casualty targets. Material limitation: Targets remain subject to restrictions and underwriting appetite..) | Confirm in your quote. | | Coverage Features | BHSI markets lead umbrella and excess casualty as an explicit product line and lists pollution/contractor-form features. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: US commercial casualty placements. Material limitation: Marketing overview; the manuscript and broker-specific forms require underwriting..) | 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). [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted..) | | Limits and Retentions | The appetite guide lists lead umbrella, follow-form excess and retained-limit forms, with $10 million excess capacity and more for selected risks. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: Select risks in the guide’s US casualty appetite. Material limitation: Capacity is not a quote or universally available layer; “more” is risk-selective..) | 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. [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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..) | | Risk Services | Confirm in your quote. | The reviewed umbrella page does not describe risk-management or loss-control services tied specifically to the umbrella layer. [12](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Not found in reviewed sources; scope: Umbrella product page as read on 2026-09-23..) | | How to Apply | Confirm in your quote. | 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. [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage policy-card labeling as of 2026-09-23..) | ## Related Pages for Berkshire Hathaway Specialty Insurance vs Corgi - [Berkshire Hathaway Specialty Insurance vs Corgi](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi): all coverage lines, business roles, service and claims. - [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps. - [Berkshire Hathaway Specialty Insurance vs Corgi Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/crime) - [Berkshire Hathaway Specialty Insurance vs Corgi Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/cyber) - [Berkshire Hathaway Specialty Insurance vs Corgi D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/directors-officers) - [Berkshire Hathaway Specialty Insurance vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/employment-practices) - [Berkshire Hathaway Specialty Insurance vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/fiduciary) - [Berkshire Hathaway Specialty Insurance vs Corgi General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/general-liability) - [Berkshire Hathaway Specialty Insurance vs Corgi Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/media) - [Berkshire Hathaway Specialty Insurance vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/representations-warranties) - [Berkshire Hathaway Specialty Insurance vs Corgi Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/technology-errors-omissions) - [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [AIG vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-corgi/umbrella-excess) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [Amelia Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/umbrella-excess) ## Sources for Berkshire Hathaway Specialty Insurance vs Corgi ### Sources About Berkshire Hathaway Specialty Insurance 1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29. 2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28. 3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28. 4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28. 5. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28. 6. [Casualty](https://www.bhspecialty.com/us-products/us-casualty/). Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28. ### Sources About Corgi 7. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15. 8. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Explore Our Main Policies list: "1-14 days turnaround Commercial Umbrella Liability". Accessed 2026-09-23. 9. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15. 10. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15. 11. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15. 12. [Commercial Umbrella Insurance for Startups | Corgi Insurance](https://www.corgi.insure/umbrella). Corgi Insurance; Anatomy of a $5M Umbrella Policy (form CORG-UMB-0100); How Umbrella Compares to CGL and Excess Liability; The Six Scenarios Umbrella Extends To; Umbrella Glossary; FAQ. Accessed 2026-09-23. ### Sources for the Umbrella and Excess Liability Insurance Guide 13. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16. 14. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16. 15. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16. 16. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16. 17. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Berkshire Hathaway Specialty Insurance Review Scores for 2026 Review Score: not enough ratings. The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score. - Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com) - BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews). ## Corgi Review Scores for 2026 Review Score: not enough ratings. The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/corgi/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi/umbrella-excess.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)