Corgi vs 
Markel Insurance: How Do They Compare for Umbrella and Excess Liability Insurance?
Corgi describes an occurrence-based, follow-form layer over scheduled CGL, hired-auto, and EPLI policies, with specific drop-down situations and listed extensions. Markel describes additional limits beyond primary policies subject to underlying terms, but its reviewed overview does not detail triggers or extensions. Ask for Markel’s form to test whether those protections match Corgi’s described structure. <OfferingCite provider="corgi" id="umbrella" /> <OfferingCite provider="markel" id="markel-official-product" /> 6,9
What Is Corgi Insurance?
Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. 1,2,3,4,5
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 7,8
Read the Markel Insurance profile
Read the Markel Insurance Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 10,11,12,13,14
Key Differences in Umbrella and Excess Liability Insurance
Follow-Form Terms and Covered Situations
Corgi describes an occurrence-based, follow-form layer over scheduled CGL, hired-auto, and EPLI policies, with specific drop-down situations and listed extensions. Markel describes additional limits beyond primary policies subject to underlying terms, but its reviewed overview does not detail triggers or extensions. Ask for Markel’s form to test whether those protections match Corgi’s description. 6 9
Illustrative Limits
Corgi’s illustrative example shows a $5 million per-occurrence and aggregate limit with no self-insured retention above scheduled underlying limits. Markel publishes no universal limit or retention. Treat Corgi’s figures as an example, then ask both providers to quote the same limit, attachment, retention, and underlying schedule. 6 9
Extensions Beyond the Layer
Corgi lists excess for CGL, hired auto, EPLI, personal and advertising injury, products-completed operations, and aggregate refresh. Markel’s page describes excess umbrella generally. For a contract requiring a specific extension, request the policy schedule and endorsements rather than assuming the broad descriptions align. 6 9
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask Corgi to confirm whether the illustrative $5 million/$5 million structure and each listed extension apply to your quote, and identify the issuing carrier. 6
- Ask Markel for its form’s follow-form terms, drop-down triggers, scheduled underlying lines, attachment point, and quoted limit; the overview leaves these to the issued policy. 9
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Corgi
Review Score
No reviews found
The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.[4][8]
Read Corgi reviewsMarkel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsOffering Details
Corgi vs Markel Insurance: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Corgi Commercial Umbrella Liability | Markel umbrella excess (official overview) |
|---|---|---|
| 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. | Markel describes offering umbrella excess for the audience stated on the cited product page. 9Company-reported. umbrella excess marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | Small-business risks within the page's casualty appetite; an umbrella placement depends on underlying coverage and risk review. 9Company-reported. umbrella excess marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | The cited product page describes excess umbrella liability providing additional limits beyond primary policies, subject to the underlying coverage and policy terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 9Company-reported. umbrella excess marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 9Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. | Confirm in your quote. |
| 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. | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. 9Company-reported. umbrella excess marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More Corgi vs Markel Insurance 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.
Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Small Business Casualty and Property Insurance. Markel; Excess umbrella section; added liability limits beyond primary policies. Accessed 2026-09-30.
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.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
