Corgi vs HUB International: How Do They Compare for Umbrella and Excess Liability Insurance?

HUB International brokers umbrella through a casualty practice spanning transportation, construction, healthcare and more; Corgi's umbrella follows the underlying policy's terms and exclusions.

Corgi sells startups a ready-made umbrella that follows their general liability, hired auto and employment-practices policies, with a sample $5 million layer. HUB brokers umbrella and excess for heavier industries such as transportation and construction, with claims and litigation support but no published limits. ^1,³

What Are the Key Differences Between Corgi and HUB International Umbrella and Excess Liability Insurance?

Startup Product or Industry Tower

Corgi's Commercial Umbrella sits over a startup's scheduled general liability, hired and non-owned auto and employment practices liability. It extends in six specific ways, including excess over each of those policies, personal and advertising injury, products-completed operations, and refilling your general liability aggregate after it's used up. HUB's casualty practice builds umbrella and excess towers for transportation, construction, healthcare, hospitality, manufacturing and distribution, and real estate. Choose Corgi if you're a startup that needs a standard layer over your existing policies; choose HUB if you run trucks, job sites or other heavy-liability operations where one verdict can exceed your auto or employer's liability limits. ¹ ³

Price and Limit Visibility

Corgi shows a sample $5 million per occurrence and aggregate layer with no retention above your underlying policies, so you know what the product looks like before you buy. HUB publishes no limits, attachment points or premiums; you'll see numbers only after it markets your account. ¹ ³

Help When a Big Claim Hits

HUB pairs its carrier relationships with risk services, claims, litigation management and analytics across your casualty program. Corgi's umbrella page describes no comparable claims or loss-control help. If you expect large, contested claims, HUB's support is the stronger offer. ³ ¹

What Should You Confirm in Corgi and HUB International Umbrella and Excess Liability Insurance Quotes?

Ask Corgi which of its six extensions are on your schedule and whether the umbrella drops down if an underlying insurer becomes insolvent. ¹
Ask HUB which carriers it will approach for your industry. ³
Ask both which insurer issues the policy and where it attaches. ¹ ³
Get HUB's claims and analytics support written into your service agreement. ³

Corgi vs HUB International Umbrella and Excess Liability Compared

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
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.	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. ³Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.
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.	HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ³Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Criteria

Corgi Commercial Umbrella Liability

HUB International Umbrella and Excess Liability Insurance Brokerage

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.

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. ³Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.

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.

HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ³Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.