Corgi vs Coverdash Umbrella and Excess Liability Insurance

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. ⁶Company-reported. Umbrella product page description.

Coverdash arranges commercial umbrella coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^9,10Company-reported. General brokerage terms applied to the umbrella page; not specific to any one carrier or state.

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. ⁶Not publicly disclosed. Umbrella product page as read on 2026-09-23, checked against the site's general underwriting disclosure language.

The umbrella page does not name the insurer that issues the policy. ¹⁰Not publicly disclosed. Reviewed umbrella page as of 2026-09-23; the page describes coverage without naming a specific carrier.

Not described in the reviewed sources.

Coverdash markets umbrella coverage to businesses that face large liability exposure or whose contracts require higher limits than their underlying policies carry. ¹⁰Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and the underlying policies already in place.

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). ⁶Company-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. ⁶Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted.

Coverdash describes its umbrella product as an extra layer of liability limits that sits above general liability, commercial auto and the employer-liability part of workers' compensation once those underlying limits are exhausted by a large claim. ¹⁰Company-reported. Product-page coverage cards; the underlying policies and their limits determine when umbrella coverage attaches, and the issued umbrella policy controls actual wording and exclusions.

Coverdash's coverage hub lists Umbrella and Excess Liability as two separate catalog entries in its Excess & Specialty group, though the umbrella product page itself does not explain how the two differ. ^11,10Not found in reviewed sources. Coverage hub category structure; the umbrella page reviewed for this record does not distinguish umbrella from a standalone excess-liability policy.

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. ⁶Company-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.

The umbrella page does not publish specific available limit amounts, attachment points or pricing. ¹⁰Not publicly disclosed. Reviewed umbrella page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

The reviewed umbrella page does not describe risk-management or loss-control services tied specifically to the umbrella layer. ⁶Not found in reviewed sources. Umbrella product page as read on 2026-09-23.

Not described in the reviewed sources.

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. ²Company-reported. Homepage policy-card labeling as of 2026-09-23.

Coverdash describes a fully digital quote-to-purchase process for umbrella coverage, which it sells on top of a business's existing underlying policies. ¹⁰Company-reported. Product-page company information and cross-sell section.