Corgi vs Gallagher: How Do They Compare for Umbrella and Excess Liability Insurance?

Gallagher's casualty practice places umbrella with outside carriers and reviews contracts and forms for coverage gaps; Corgi's illustrative umbrella example is a $5 million per-occurrence and aggregate layer.

Corgi sells startups a ready-made umbrella over general liability, hired auto and employment practices, with an example $5 million layer. Gallagher builds custom excess programs, with pre-renewal planning, contract review and a claims advocacy team. ^1,³

What Are the Key Differences Between Corgi and Gallagher Umbrella and Excess Liability Insurance?

A Set Product Versus a Designed Program

Corgi tells you exactly what you're buying: an occurrence umbrella that follows your general liability, hired auto and EPLI, and drops down to pay first if an underlying insurer goes bust or its aggregate runs out. Its example layer is $5 million per occurrence and in aggregate, with no self-insured retention. Gallagher's casualty team designs umbrella and excess inside a wider program, including alternative risk structures, with limits and price set to your needs. Choose Corgi if you're a startup that needs a standard layer for a contract; choose Gallagher if you have finance, HR and risk staff and a program complex enough to need design. ¹ ³

Service Around the Layer

Gallagher holds pre-renewal meetings with your finance, HR, operations and risk teams, reviews gaps, contracts and forms, and has a claims and loss-control advocacy group. Corgi's umbrella page offers no risk-management service; you get the policy. ¹ ³

Timing

Corgi lists its umbrella as a specialty product with a 1 to 14 day turnaround, not an instant quote. Gallagher's timeline follows your renewal planning, and its page publishes no limits, starting points or prices. ² ³

What Should You Confirm in Corgi and Gallagher Umbrella and Excess Liability Insurance Quotes?

Ask Corgi which of your policies are scheduled under the umbrella. ¹
Ask Gallagher whether it's proposing follow-form excess, a lead umbrella or an alternative risk structure. ³
Get firm limits and retentions from both; Corgi's $5 million layer is an example. ¹ ³
Ask both which insurer issues the policy. ¹ ³

Corgi vs Gallagher Umbrella and Excess Liability Insurance Compared

Corgi vs Gallagher: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Corgi Commercial Umbrella Liability	Gallagher Umbrella/Excess Liability Insurance
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). ¹Company-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. ¹Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted.	Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. ³Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement.
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. ¹Company-reported. Umbrella product page description.	Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. ³Company-reported. Group-level casualty practice page.

Criteria

Corgi Commercial Umbrella Liability

Gallagher Umbrella/Excess Liability Insurance

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). ¹Company-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. ¹Company-reported. Umbrella product page "Six Scenarios" section; each still requires the matching underlying policy to be in place and exhausted.

Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. ³Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement.

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. ¹Company-reported. Umbrella product page description.

Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. ³Company-reported. Group-level casualty practice page.