Corgi vs 
HUB International Umbrella and Excess Liability Insurance
Corgi underwrites a named startup umbrella over CGL, HNOA and EPLI; HUB brokers casualty umbrella and excess through industry practices.
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
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 7,8,9
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. 11,12
Key Differences in Umbrella and Excess Liability Insurance
Product Versus Casualty Placement
Corgi markets a Commercial Umbrella product that sits above a startup’s scheduled CGL, HNOA, and EPLI. HUB does not sell a named Corgi-style form; it brokers umbrella and excess through its casualty practice and does not underwrite the layer itself. The HUB page frames the coverage as protection against settlements and judgments that exceed underlying general liability, auto, or employers’-liability limits. 6 10
Who the Layer Is Built For
Corgi’s six listed scenarios stay inside startup liability (CGL excess, hired-auto excess, EPLI excess, personal and advertising injury, products-completed operations, and CGL aggregate refresh). HUB says its casualty expertise, including umbrella and excess, spans transportation, construction, healthcare, hospitality, manufacturing/distribution, and real estate—verticals Corgi’s umbrella page does not use as the buying frame. 6 10
Limits, Services and Carrier Names
Corgi shows an illustrative $5 million / $5 million layer with a $0 retention above scheduled underlying; HUB’s casualty page does not publish limit amounts, attachment points, or premiums. HUB describes carrier relationships plus risk-services, claims, litigation, and analytics on casualty programs that include umbrella placements; Corgi’s reviewed umbrella page does not describe loss-control services for this layer. Neither page names the issuing insurer for a given umbrella. 6 10
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask Corgi which of the six extension scenarios are on the schedule and whether drop-down for insolvency applies. 6
- Ask HUB which casualty industries and carrier markets it would use for your umbrella or excess tower. 10
- Compare attachment: Corgi’s example is $5 million with $0 SIR; HUB does not publish attachments. 6 10
- Get the issuing insurer from both, and whether HUB’s claims and analytics support is in the placement agreement. 6 10
Offering Details
Corgi vs HUB International Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Corgi Commercial Umbrella Liability | HUB International Umbrella and Excess Liability Insurance Brokerage |
|---|---|---|
| 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. | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 10Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| 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 insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. 10Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Not described in the reviewed sources. | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. 10Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria. |
| 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. | HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. 10Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| 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. | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. 10Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations. |
| 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. | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. 10Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail. |
| 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 HUB International 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.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Comprehensive Casualty Insurance Solutions. HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. 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.
