---
title: "Corgi vs HUB International: Umbrella and Excess Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-hub-international/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-hub-international"
provider-a: "corgi"
provider-b: "hub-international"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-hub-international/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of Corgi and HUB International for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Corgi versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs HUB International for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Corgi or HUB International?
- What does Corgi or HUB International publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Corgi and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international) — all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 over general liability, hired auto and employment practices; HUB builds umbrella and excess towers for transportation, construction and other heavy-liability industries.

## Corgi vs HUB International Umbrella and Excess Liability Insurance Summary

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](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## 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](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

### 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](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

### 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")

## 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](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Ask HUB which carriers it will approach for your industry. [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Ask both which insurer issues the policy and where it attaches. [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Get HUB's claims and analytics support written into your service agreement. [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## Corgi vs HUB International Umbrella and Excess Liability Compared

| 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). [1](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. [1](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..) | 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. [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Umbrella product page description..) | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |

## About Corgi and HUB International and Umbrella and Excess Liability

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess)

## Related Pages for Corgi vs HUB International

- [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Corgi Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/corgi/umbrella-excess)
- [HUB International Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/hub-international/umbrella-excess)

## Sources for Corgi vs HUB International

### Sources About Corgi

1. [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.
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.

### Sources About HUB International

3. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). 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.

Updated 2026-09-29. 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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