Corgi vs Harper 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.

Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ⁹Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section.

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.

Not described in the reviewed sources.

Not described in the reviewed sources.

Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. ⁹Company-reported. Umbrella FAQ 'Do I need an umbrella?'.

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.

Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ⁹Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify.

Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ⁹Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.

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.

Harper says each additional million in umbrella limits typically costs a fraction of the first million, and that industry and underlying limits drive price, but the reviewed page does not publish specific limit amounts, retentions or premium figures. ⁹Not publicly disclosed. Umbrella page 'We know this' section and FAQ 'What does it cost?'; figures would appear on an actual quote.

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.

You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. ⁹Company-reported. Umbrella page quote form and 'Why Harper' process steps.