Corgi vs Gallagher Umbrella and Excess Liability Insurance

Corgi sells a $5 million follow-form startup umbrella; Gallagher designs excess casualty programs with gap analysis and claims advocacy.

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,^2,^3,^4,⁵

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What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. ^7,^8,^9,^10,¹¹

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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. ^13,¹⁴

Read the full coverage guide

Key Differences in Umbrella and Excess Liability Insurance

A Named Startup Form Versus a Casualty Program

Corgi sells Commercial Umbrella as excess over scheduled CGL, hired-auto and EPLI, occurrence follow-form, with drop-down if an underlying insurer is insolvent or an aggregate is exhausted. Gallagher’s Casualty practice places umbrella and excess with outside carriers as part of a broader casualty program and describes customized excess casualty design and non-traditional alternative risk programs, without those scheduled startup lines or drop-down rules. ⁶ ¹²

Illustrative $5 Million Versus Unpublished Program Limits

Corgi’s example is a $5 million per-occurrence and $5 million aggregate layer with a $0 self-insured retention. Gallagher’s casualty page does not publish specific umbrella limits, attachment points or premiums; it says program structure, coverage, limits and pricing are designed to fit current and future needs. Gallagher’s page also does not name the issuing insurer. ⁶ ¹²

Specialty Turnaround Versus Pre-Renewal Meetings

Corgi lists the product as specialty coverage with a 1–14 day turnaround rather than an instant online quote. Gallagher describes pre-renewal meetings with finance, HR, operations and risk-management stakeholders, gap analysis and contract/form review, and a dedicated claims and loss-control advocacy group. Corgi’s reviewed umbrella page does not describe risk-management services for the layer. ² ⁶ ¹²

What to Confirm in Umbrella and Excess Liability Insurance Quotes

Ask Corgi which of the six excess scenarios are scheduled. ⁶
Ask Gallagher whether the placement is follow-form excess, lead umbrella or an alternative-risk structure. ¹²
Compare Corgi’s $5 million example and $0 retention with Gallagher’s unpublished program limits. ⁶ ¹²
Get issuing insurers from both quotes. ⁶ ¹²

Offering Details

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

Criteria	Corgi Commercial Umbrella Liability	Gallagher Umbrella/Excess Liability 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. ⁶Company-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. ¹²Company-reported. Group-level casualty practice page.
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. ⁶Not publicly disclosed. Umbrella product page as read on 2026-09-23, checked against the site's general underwriting disclosure language.	The casualty practice page does not name the insurer that would issue a given client's umbrella or excess policy. ¹²Not publicly disclosed. Checked the group-level casualty practice page.
Who It’s For	Not described in the reviewed sources.	The casualty practice page does not name a target industry, size or minimum premium for umbrella/excess placements; it describes the practice generally as serving clients with a broader casualty program. ¹²Not publicly disclosed. Checked the group-level casualty practice page on 2026-09-23.
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). 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.	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. ¹²Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement.
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. 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 casualty practice page does not publish specific umbrella/excess limits, attachment points or premium ranges; it says program structure, coverage, limits and pricing are designed to fit the client's current and future needs. ¹²Not publicly disclosed. Checked the group-level casualty practice page.
Risk Services	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.	Gallagher describes pre-renewal meetings with a client's finance, HR, operations and risk-management stakeholders, a gap analysis and contract/form review to close coverage gaps between policies, and a dedicated claims and loss-control advocacy group that reviews legacy loss information to build claim-mitigation and loss-prevention programs. ¹²Company-reported. Group-level casualty practice page; described at the practice level across all casualty lines, not exclusively for umbrella/excess.
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. ²Company-reported. Homepage policy-card labeling as of 2026-09-23.	Not described in the reviewed sources.

Full Comparison

More Corgi vs Gallagher Comparisons

Other Umbrella and Excess Liability Insurance Comparisons

Sources

Corgi

Disclaimers & Licensing. 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.
Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies list: "1-14 days turnaround Commercial Umbrella Liability". Accessed 2026-09-23.
Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
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.
Commercial Umbrella Insurance for Startups | Corgi Insurance. 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.

Gallagher

Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Casualty Insurance. Gallagher; Holistic approach for better insurance and risk management in casualty: Automobile Liability, Workers Compensation, General/Product Liability, Umbrella/Excess Liability and alternative forms of risk transfer; Robust casualty risk analysis process; Casualty Practice Summary. Accessed 2026-09-23.

Umbrella and Excess Liability Insurance Guide

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.
Commercial Insurance Guide. 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.