Corgi vs 
Mylo: How Do They Compare for Umbrella and Excess Liability Insurance?
Corgi's illustrative example is a $5 million per-occurrence layer; Mylo brokers umbrella by comparing quotes from multiple carriers and says most policies pay between $1 million and $15 million.
Corgi sells one startup umbrella that follows the terms of your general liability, hired auto and employment practices policies, with a $5 million example layer and a 1 to 14 day turnaround. Mylo shops several insurers for you and says most umbrellas add $1 million to $15 million. 1,3
What Are the Key Differences Between Corgi and Mylo Umbrella and Excess Liability Insurance?
One Startup Product Versus Comparison Shopping
Neither umbrella stands alone; both require policies underneath. Corgi's example is $5 million per occurrence and in aggregate with no self-insured retention, and its six claim scenarios all involve U.S. startup liability. Mylo has a licensed agent review your business and compare quotes, and it notes umbrella can fill gaps when your primary policy limits overseas protection or a contract demands more. Choose Corgi if you're a U.S. startup carrying general liability, hired auto and EPLI underneath; choose Mylo if you operate overseas or want several insurers' prices side by side. 1 2 3
What Happens When Underlying Coverage Fails
Corgi's umbrella drops down to pay first if the insurer beneath it goes insolvent or your underlying aggregate is used up, which protects you from an uninsured gap. Mylo's page doesn't describe drop-down, so whether you get it depends on the insurer it places. 1 3
What Should You Confirm in Corgi and Mylo Umbrella and Excess Liability Insurance Quotes?
- Compare Corgi's $5 million, no-retention example with the limit and retention on Mylo's quotes. 1 3
- Ask Mylo whether each quoted umbrella drops down if an underlying insurer fails, and check that Corgi's issued policy keeps that term. 1 3
- If you operate internationally, ask Corgi whether overseas claims are in scope at all. 1 3
- Ask both which insurer issues the policy; neither names one. 1 3
Corgi vs Mylo Umbrella and Excess Liability Insurance Compared
Corgi vs Mylo: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Corgi Commercial Umbrella Liability | Mylo Commercial Umbrella Insurance |
|---|---|---|
| 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. 1Company-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. | Mylo says most commercial umbrella policies pay out between $1 million and $15 million in additional coverage above the underlying policy's limits. 3Company-reported. Commercial umbrella product page FAQ; a general market range, not a quoted limit for any specific business. |
| 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. | Mylo says a licensed agent reviews the specific business to give a personalized recommendation on whether umbrella coverage makes sense, and compares quotes from top-rated carriers. 3Company-reported. Commercial umbrella product page "How will Mylo find me the right policy?" section. |
| 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. | Mylo describes commercial umbrella as extra liability protection that takes over once a business exhausts the limits of its general liability, commercial auto or workers' compensation policies, and says it cannot be purchased or used on its own without an underlying policy in place. 3Company-reported. Commercial umbrella product page; the issued policy and its exclusions control. |
| 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. | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 3Company-reported. Commercial umbrella product page. |
