Chubb vs Corgi Umbrella and Excess Liability Insurance

Chubb underwrites umbrella and excess liability insurance directly, spanning smaller and mid-sized companies through global multinationals, and offers it as an add-on within its small-business Total Account Solution. ^4,5Company-reported. Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section.

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. ¹¹Company-reported. Umbrella product page description.

Not described in the reviewed sources.

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. ¹¹Not publicly disclosed. Umbrella product page as read on 2026-09-23, checked against the site's general underwriting disclosure language.

Chubb structures umbrella and excess casualty into separate options for large global and national companies, mid-sized companies, the energy industry, and the construction industry, saying it tailors solutions to each segment's exposures. ⁴Company-reported. Umbrella & Excess Casualty Insurance Options section.

Not described in the reviewed sources.

For large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. ⁴Company-reported. Umbrella & Excess Casualty product page option descriptions.

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). ¹¹Company-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. ¹¹Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted.

The reviewed umbrella and excess casualty page does not publish specific attachment points, limit amounts or pricing; these vary by account and program. ⁴Not found in reviewed sources. Umbrella & Excess Casualty product page as read on 2026-09-23.

When bundled through Chubb's small-business Total Account Solution, umbrella insurance is described only as providing "an additional layer of coverage over existing liability policies," without a published limit amount. ⁵Company-reported. Workers'-compensation Total Account Solution section.

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. ¹¹Company-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.

Not described in the reviewed sources.

The reviewed umbrella page does not describe risk-management or loss-control services tied specifically to the umbrella layer. ¹¹Not found in reviewed sources. Umbrella product page as read on 2026-09-23.

Chubb offers Express Umbrella, a web-based platform for appointed brokers to reserve, quote, bind and issue umbrella business, which Chubb says can help brokers build specialized books of business. ⁴Company-reported. Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers.

You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. ⁴Company-reported. Umbrella & Excess Casualty product page quote 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. ⁷Company-reported. Homepage policy-card labeling as of 2026-09-23.