---
title: "Corgi vs Harper Umbrella and Excess Liability Insurance"
description: "Corgi sells a follow-form startup umbrella over CGL, HNOA and EPLI; Harper maps extra limits above whatever primary policies you already hold."
canonical: "https://spot.insure/compare/corgi-vs-harper/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Corgi vs Harper Umbrella and Excess Liability Insurance

Corgi sells a follow-form startup umbrella over CGL, HNOA and EPLI; Harper maps extra limits above whatever primary policies you already hold.

## Research Scope and Use

Use this comparison to evaluate Corgi and Harper 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 a follow-form layer over scheduled CGL, hired-auto and EPLI. Harper places extra limits above existing primaries, including auto and a workers’ compensation lawsuit, after a specialist reviews those policies. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.harperinsure.com/coverages/umbrella "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 Harper Insurance?

Harper is a commercial insurance brokerage for businesses with complex risks. Its specialists use AI tools to gather information, seek quotes from insurers and help customers manage coverage. [7](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [8](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves")

[Harper profile](https://spot.insure/insurance-providers/harper)

## 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. [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [11](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

### What Sits Under the Extra Layer

Corgi sells Commercial Umbrella as excess capacity over a startup’s scheduled CGL, hired and non-owned auto, and employment-practices policies, not as a primary policy of its own. Harper also stacks extra limits above existing primaries, but it describes the layer responding to general liability, auto liability, and a workers’ compensation claim when an injured employee sues separately—an underlying type Corgi’s six listed scenarios do not name. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

### Follow-Form Terms and Mapping

Both say the umbrella follows the policies underneath it. Corgi adds that the form is occurrence-based, can drop down if an underlying insurer is insolvent or an aggregate is exhausted (generally not for an exclusion), and lists six extension scenarios including EPLI excess and a CGL aggregate refresh. Harper’s emphasis is operational: it maps which underlying policies sit under a client’s umbrella so gaps are not left between layers. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

### Limits on the Page and How You Buy

Corgi’s product page walks through an illustrative $5 million per-occurrence and $5 million aggregate layer with a $0 self-insured retention above scheduled underlying limits; Harper’s page does not publish limit amounts, retentions, or premiums, only that each extra million often costs a fraction of the first. Corgi labels umbrella as a 1–14 day specialty coverage rather than an instant online quote. Harper takes a quote request by form or phone so a specialist can review the underlying policies first. [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") [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

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

- Get Corgi’s schedule of underlying (CGL, HNOA, EPLI) and whether drop-down for insolvency or aggregate exhaustion is on the issued form. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Ask Harper which underlying policies it mapped, including whether a workers’ compensation lawsuit path is included. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")
- Compare published versus quoted numbers: Corgi’s $5 million example is illustrative; Harper does not publish limits at all. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")
- Confirm the issuing insurer on both quotes; neither umbrella page names the carrier for this line. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

## Offering Details

| Criteria | Corgi Commercial Umbrella Liability | Harper 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..) | 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. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella page introduction and 'What is Umbrella insurance?' section..) |
| 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..) | Not described in the reviewed sources. |
| Who It’s For | 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. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella FAQ 'Do I need an umbrella?'..) |
| 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..) | 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. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify..)<br><br>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. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome..) |
| 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..) | 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. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Not publicly disclosed; scope: Umbrella page 'We know this' section and FAQ 'What does it cost?'; figures would appear on an actual quote..) |
| 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 a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella page quote form and 'Why Harper' process steps..) |

## Full Comparison

- [Corgi vs Harper](https://spot.insure/compare/corgi-vs-harper): 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 Harper Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-harper/commercial-auto)
- [Corgi vs Harper Cyber Insurance](https://spot.insure/compare/corgi-vs-harper/cyber)
- [Corgi vs Harper General Liability Insurance](https://spot.insure/compare/corgi-vs-harper/general-liability)
- [Corgi vs Harper Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-harper/liquor-liability)
- [Corgi vs Harper Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-harper/medical-malpractice)
- [Corgi vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-harper/professional-errors-omissions)
- [Corgi vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-harper/workers-compensation)
- [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess)
- [Alliance Risk vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-harper/umbrella-excess)
- [Amelia Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/umbrella-excess)
- [Amelia Risk vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-harper/umbrella-excess)
- [CFC vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/umbrella-excess)
- [CFC vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-harper/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.

### Harper

7. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
8. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
9. [Umbrella Insurance](https://www.harperinsure.com/coverages/umbrella). Harper; Know your coverage: What is Umbrella insurance?; Excess over general liability, Excess over auto, Above a workplace-injury suit, Contract compliance; Why Harper; FAQs on whether an umbrella is needed, what it follows, and pricing. Accessed 2026-09-23.

### Umbrella and Excess Liability Insurance Guide

10. [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.
11. [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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