---
title: "Corgi vs Founder Shield Umbrella and Excess Liability Insurance"
description: "Corgi sells follow-form startup umbrella over CGL, hired auto and EPLI; Founder Shield brokers umbrella for individuals and professionals with A- carriers."
canonical: "https://spot.insure/compare/corgi-vs-foundershield/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Corgi vs Founder Shield Umbrella and Excess Liability Insurance

Corgi sells follow-form startup umbrella over CGL, hired auto and EPLI; Founder Shield brokers umbrella for individuals and professionals with A- carriers.

## Research Scope and Use

Use this comparison to evaluate Corgi and Founder Shield 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.

## Summary

Corgi’s commercial umbrella is occurrence follow-form over scheduled CGL, hired-auto and EPLI, with an illustrative $5 million layer. Founder Shield places umbrella for high-net-worth individuals, business owners and professionals with carriers rated A- or better by AM Best. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [12](https://foundershield.com/coverage/umbrella-insurance/ "Umbrella Insurance")

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Founder Shield Insurance?

Founder Shield is a commercial insurance broker for venture-backed and growing businesses. Buyers can request coverage through its online portal and work with advisors on insurer selection, policy changes and claims reporting. [7](https://foundershield.com/ "Founder Shield") [8](https://apx.foundershield.com/ "Quote Portal") [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [10](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [11](https://foundershield.com/claims/ "Claims")

[Founder Shield profile](https://spot.insure/insurance-providers/foundershield)

## What Is Umbrella and Excess Liability Insurance?

Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. [14](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [15](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Umbrella and Excess Liability Insurance

### Startup Excess Form Versus Personal-and-Professional Placement

Corgi sells Commercial Umbrella as excess capacity over a startup’s scheduled CGL, hired-auto and EPLI. Founder Shield is a retail brokerage that places Founder Shield Umbrella Insurance with third-party carriers and describes the cover for high-net-worth individuals, business owners, property owners, and professionals such as doctors, lawyers or architects, without separating business-only from personal umbrella. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [13](https://foundershield.com/about-us/ "About Us") [12](https://foundershield.com/coverage/umbrella-insurance/ "Umbrella Insurance")

### Follow-Form Scenarios Versus Injury and Libel Language

Corgi describes occurrence follow-form attachment, possible drop-down for insolvency or aggregate exhaustion, and six excess scenarios including EPLI excess and a CGL aggregate refresh. Founder Shield describes extra coverage for bodily injury, property damage, and personal-liability claims like libel or slander once primary limits are exhausted, without those scheduled startup lines. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [12](https://foundershield.com/coverage/umbrella-insurance/ "Umbrella Insurance")

### Carrier Disclosure and Timing

Founder Shield says it places only with carriers rated A- or better by AM Best, chosen for the client’s industry, and you request coverage through its website or an advisor. Corgi’s umbrella page does not name the issuing carrier; the homepage lists a 1–14 day specialty turnaround and an illustrative $5 million layer with a $0 retention. [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Ask Corgi which scheduled underlying policies and drop-down terms apply. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Ask Founder Shield whether the quote is personal, business, or combined umbrella. [12](https://foundershield.com/coverage/umbrella-insurance/ "Umbrella Insurance")
- Confirm Founder Shield’s AM Best-rated carrier name against Corgi’s unnamed issuer. [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Compare Corgi’s $5 million example with Founder Shield’s unpublished limits. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [12](https://foundershield.com/coverage/umbrella-insurance/ "Umbrella Insurance")

## Offering Details

| Criteria | Corgi Commercial Umbrella Liability | Founder Shield Umbrella Insurance |
| --- | --- | --- |
| Role in This Line | 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. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Umbrella product page description..) | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Umbrella Insurance with third-party carriers rather than underwriting the policy itself. [13](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..) |
| Issuing Insurer | 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. [6](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..) | Founder Shield says it places policies, including Founder Shield Umbrella Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..) |
| Who It’s For | Not described in the reviewed sources. | Founder Shield's page describes umbrella coverage broadly for high-net-worth individuals, business owners, property owners, and professionals such as doctors, lawyers or architects; it does not distinguish a business-only umbrella product from personal umbrella coverage. [12](https://foundershield.com/coverage/umbrella-insurance/ "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella Insurance product page; wording mixes personal and commercial umbrella use cases..) |
| Coverage Features | 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). [6](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..)<br><br>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. [6](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..) | Founder Shield describes umbrella insurance as extra liability coverage above the limits of underlying policies, responding to bodily injury, property damage, and personal-liability claims like libel or slander once primary limits are exhausted. [12](https://foundershield.com/coverage/umbrella-insurance/ "Umbrella Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) |
| Limits and Retentions | 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. [6](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..) | Not described in the reviewed sources. |
| Risk Services | The reviewed umbrella page does not describe risk-management or loss-control services tied specifically to the umbrella layer. [6](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..) | Not described in the reviewed sources. |
| How to Apply | 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. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage policy-card labeling as of 2026-09-23..) | You request Founder Shield Umbrella Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. [13](https://foundershield.com/about-us/ "About Us") [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) |

## Full Comparison

- [Corgi vs Founder Shield](https://spot.insure/compare/corgi-vs-foundershield): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms.
- [Corgi vs Founder Shield Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-foundershield/cargo-transit)
- [Corgi vs Founder Shield Crime Insurance](https://spot.insure/compare/corgi-vs-foundershield/crime)
- [Corgi vs Founder Shield Cyber Insurance](https://spot.insure/compare/corgi-vs-foundershield/cyber)
- [Corgi vs Founder Shield D&O Insurance](https://spot.insure/compare/corgi-vs-foundershield/directors-officers)
- [Corgi vs Founder Shield Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-foundershield/employment-practices)
- [Corgi vs Founder Shield Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-foundershield/fiduciary)
- [Corgi vs Founder Shield General Liability Insurance](https://spot.insure/compare/corgi-vs-foundershield/general-liability)
- [Corgi vs Founder Shield Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-foundershield/hired-non-owned-auto)
- [Corgi vs Founder Shield Media Liability Insurance](https://spot.insure/compare/corgi-vs-foundershield/media)
- [Corgi vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-foundershield/professional-errors-omissions)
- [Corgi vs Founder Shield Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-foundershield/representations-warranties)
- [Corgi vs Founder Shield Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-foundershield/workers-compensation)
- [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess)
- [Alliance Risk vs Founder Shield Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/umbrella-excess)
- [Amelia Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/umbrella-excess)
- [Amelia Risk vs Founder Shield Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/umbrella-excess)
- [CFC vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/umbrella-excess)
- [CFC vs Founder Shield Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-foundershield/umbrella-excess)

## Sources

### Corgi

1. [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.
2. [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.
3. [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.
4. [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.
5. [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.
6. [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.

### Founder Shield

7. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
8. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
9. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.
10. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/). Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15.
11. [Claims](https://foundershield.com/claims/). Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15.
12. [Umbrella Insurance](https://foundershield.com/coverage/umbrella-insurance/). Founder Shield; What Is Umbrella Insurance?; Who Needs Umbrella Insurance Coverage?; What Does Umbrella Insurance Cover?. Accessed 2026-09-23.
13. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.

### Umbrella and Excess Liability Insurance Guide

14. [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.
15. [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.

Updated 2026-09-23. 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.

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