Corgi vs 
Harper: How Do They Compare for Umbrella and Excess Liability Insurance?
Harper takes quote requests by online form or phone, with a specialist reviewing underlying policies first; Corgi lists umbrella as a specialty coverage with a 1-14 day turnaround.
Corgi sells startups an umbrella over their general liability, hired auto and employment-practices policies, with published example terms. Harper has a specialist review whatever policies you already hold, including auto and workers’ compensation, and stacks extra limits above them. 1,3
What Are the Key Differences Between Corgi and Harper Umbrella and Excess Liability Insurance?
Which Claims the Extra Limit Reaches
If an injured employee sues you outside workers’ compensation, Harper’s layer responds; it also sits over general liability and auto liability. Corgi’s umbrella follows your scheduled general liability, hired and non-owned auto and EPLI, and none of its six example scenarios involves a workers’ compensation lawsuit. Choose Corgi if you’re a startup whose risks sit in general liability and employment claims; choose Harper if you run vehicles or a workforce where injury lawsuits are the bigger threat. 3 1
How Much Detail You Get Up Front
Corgi publishes an illustrative $5 million per occurrence and $5 million aggregate with a $0 retention. It’s occurrence-based and can drop down if an underlying insurer goes insolvent or an aggregate runs out, but generally not to fill an exclusion. Its examples include excess over EPLI and refreshing a used-up general liability aggregate. Harper publishes no limits, retentions or prices, only that each extra million often costs a fraction of the first. It stresses mapping every underlying policy so no gap opens between layers. 1 3
How Fast You Get Covered
Corgi puts umbrella in its 1–14 day specialty group, not its instant-quote products. Harper takes requests by form or phone and has a specialist review your policies before quoting. 2 3
What Should You Confirm in Corgi and Harper Umbrella and Excess Liability Insurance Quotes?
- Ask Corgi for its schedule of underlying policies and whether the drop-down terms are on your issued form. 1
- Ask Harper which underlying policies it mapped and whether workers’ compensation lawsuits are included. 3
- Treat Corgi’s $5 million example as illustrative and get your real limit and retention in the quote. 1
- Ask both which insurer issues the policy. 1 3
Corgi vs Harper Umbrella and Excess Liability Insurance Compared
Corgi vs Harper: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Corgi Commercial Umbrella Liability | Harper Umbrella Insurance |
|---|---|---|
| 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. | You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. 3Company-reported. Umbrella page quote form and 'Why Harper' process steps. |
| 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. | 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. 3Company-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. 3Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome. |
| 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. | 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. 3Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section. |
