CFC vs 
Corgi: How Do They Compare for Umbrella and Excess Liability Insurance?
Corgi illustrates a $5 million startup umbrella over scheduled CGL, hired auto and EPLI; CFC sells a separate excess policy over professional, GL or cyber liability, even from other carriers.
The deciding question is what you need extra limit on: CFC's excess tops up professional liability, general liability or cyber, even when those primary policies are with another insurer. Corgi's umbrella sits over a startup's general liability, hired and non-owned auto, and employment practices policies, with a published $5 million example. 1,3
What Are the Key Differences Between CFC and Corgi Umbrella and Excess Liability Insurance?
Which Risks Get the Extra Limit
A tech company whose biggest exposure is a client suing over a failed project or a data breach needs more limit on professional liability or cyber, and CFC offers that in any mix of the three lines. Corgi's schedule lists no professional liability or cyber; it covers the injury, driving and employment claims under your other policies. Choose CFC if a contract demands higher errors and omissions or cyber limits; choose Corgi if the limit you need is over general liability, hired auto or employment practices. 1 3
How Clearly the Layer Works
Corgi spells it out: the umbrella is occurrence-based and follows the terms of your underlying policies, and pays once their limits run out. It can also step in if an underlying insurer goes insolvent or its aggregate is used up, but generally not for something that policy excludes. Its example layer is $5 million per occurrence and in aggregate with no retention. CFC publishes none of these mechanics or maximum limits, so you'll only learn them from a quote. 3 1
Time to Coverage
Corgi quotes its umbrella in 1 to 14 days, not instantly. CFC asks you to contact it and offers no online quote. 4 1
What Should You Confirm in CFC and Corgi Umbrella and Excess Liability Insurance Quotes?
CFC vs Corgi Umbrella and Excess Liability Insurance Compared
CFC vs Corgi: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Corgi Commercial Umbrella Liability |
|---|---|---|
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 1Company-reported. Umbrella cover product page call to action. | 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. 4Company-reported. Homepage policy-card labeling as of 2026-09-23. |
| Coverage Features | CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. 1Company-reported. Umbrella cover product page. | 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). 3Company-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. 3Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted. |
| Role in This Line | CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. 1Company-reported. Umbrella cover product page description of what the policy tops up. | 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. 3Company-reported. Umbrella product page description. |
