Chubb 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. Chubb underwrites umbrella directly for companies from mid-sized to global, with energy and construction options.
Corgi suits startups that want to see the layer up front: a sample $5 million umbrella over general liability, hired auto and EPLI with no retention. Chubb writes its own umbrella for mid-sized, global, energy and construction companies, with limits set at quote. 3,1,2
What Are the Key Differences Between Chubb and Corgi Umbrella and Excess Liability Insurance?
Startup Layer Versus Industry Casualty Options
Corgi shows a sample $5 million per-occurrence and aggregate layer with a $0 self-insured retention, so a seed-stage company knows roughly what it is buying before it asks. Chubb offers lead umbrella for large and global companies, excess casualty for mid-sized firms, and separate energy and construction options, with claims handling built in, but publishes no limits or attachment points. Choose Corgi if you are a startup whose investors or customers want $5 million in liability; choose Chubb if you are a mid-sized or larger company, or in energy or construction. 3 1
When the Layer Pays
Corgi’s umbrella follows the terms of your scheduled general liability, hired auto and EPLI policies. It can step in as your primary cover if an underlying insurer goes insolvent or its aggregate is used up, though generally not to fill an exclusion. Chubb’s page does not describe when its layer steps in, so ask before you bind. 3 1
Speed to a Quote
Chubb lets you request a quote online or through an appointed agent, and appointed brokers can bind through Express Umbrella. Chubb can also add umbrella as an extra layer in its Total Account Solution package. Corgi quotes Commercial Umbrella in 1–14 days, not instantly, so plan ahead if a contract deadline is close. 1 2 4
What Should You Confirm in Chubb and Corgi Umbrella and Excess Liability Insurance Quotes?
- Ask Chubb which of its umbrella options fits your company and what limit it will offer. 1
- Ask Corgi whether all three underlying policies are scheduled and whether the insolvency drop-down is on your form. 3
- Ask Corgi which insurer issues the umbrella; its page names none. 3
- Ask Chubb whether you are buying a standalone umbrella or a Total Account Solution add-on. 2
Chubb vs Corgi Umbrella and Excess Liability Insurance Compared
Chubb vs Corgi: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Chubb Umbrella & Excess Casualty Insurance | Corgi Commercial Umbrella Liability |
|---|---|---|
| Limits and Retentions | 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. 2Company-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. 3Company-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. |
| How to Apply | 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. 1Company-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. 1Company-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. 4Company-reported. Homepage policy-card labeling as of 2026-09-23. |
| Coverage Features | 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. 1Company-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). 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 | 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. 1,2Company-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. 3Company-reported. Umbrella product page description. |
