---
title: "Corgi vs Mylo Umbrella and Excess Liability Insurance"
description: "Corgi shows a $5 million follow-form startup umbrella; Mylo brokers commercial umbrella quotes in a $1 million to $15 million range."
canonical: "https://spot.insure/compare/corgi-vs-mylo/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Corgi vs Mylo Umbrella and Excess Liability Insurance

Corgi shows a $5 million follow-form startup umbrella; Mylo brokers commercial umbrella quotes in a $1 million to $15 million range.

## Research Scope and Use

Use this comparison to evaluate Corgi and Mylo for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi’s umbrella is occurrence follow-form over CGL, HNOA and EPLI, with an illustrative $5 million layer and 1–14 day turnaround. Mylo compares commercial umbrella quotes from multiple carriers and says most policies pay $1 million to $15 million above underlying limits. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")

## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [7](https://choosemylo.com/business/business-insurance "Small Business Insurance") [8](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## 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. [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Umbrella and Excess Liability Insurance

### Selling a Form Versus Shopping Carriers

Corgi sells Commercial Umbrella as excess capacity over a startup’s scheduled CGL, HNOA, and EPLI. Mylo brokers commercial umbrella by comparing quotes from multiple carriers rather than underwriting the policy. Both say the layer cannot stand alone: Corgi requires scheduled underlying; Mylo says the coverage cannot be purchased or used without an underlying policy in place. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")

### Limit Figures Each Page Publishes

Corgi’s anatomy example is a $5 million per-occurrence and $5 million aggregate layer with a $0 self-insured retention above scheduled underlying. Mylo states a range instead: most commercial umbrella policies pay between $1 million and $15 million in additional coverage above the underlying policy’s limits. Corgi also describes drop-down if an underlying insurer is insolvent or an aggregate is exhausted; Mylo’s reviewed page does not describe drop-down. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")

### International Use and How You Apply

Mylo says umbrella may also be needed when a primary policy limits overseas protection, or when a contract with a customer, partner, or vendor requires it; a licensed agent then reviews the business and compares quotes. Corgi’s six scenarios stay on U.S. startup liability types and do not mention overseas primary limits. Corgi lists a 1–14 day specialty turnaround rather than instant online quoting. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Compare Corgi’s illustrative $5 million / $0 SIR structure with Mylo’s quoted amount inside the $1–15 million range it cites. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")
- Ask whether Corgi’s follow-form drop-down for insolvency is on the issued policy; Mylo’s page does not address that term. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- If you operate internationally, ask Mylo how the umbrella interacts with overseas primary limits; ask Corgi whether that use is in scope at all. [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Get the issuing insurer from both quotes; neither product page names it. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")

## Offering Details

| Criteria | Corgi Commercial Umbrella Liability | Mylo Commercial Umbrella Insurance |
| --- | --- | --- |
| 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. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Umbrella product page description..) | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page..) |
| 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. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Not publicly disclosed; scope: Umbrella product page as read on 2026-09-23, checked against the site's general underwriting disclosure language..) | The commercial umbrella product page does not name the insurer that would issue a given business's policy. [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Not publicly disclosed; scope: Checked the commercial umbrella product page on 2026-09-23..) |
| Who It’s For | Not described in the reviewed sources. | Mylo says umbrella coverage may also be needed for businesses operating internationally whose primary policy limits overseas protection, or that have signed a contract with a customer, partner or vendor requiring umbrella coverage. [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page FAQ..) |
| 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). [6](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. [6](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..) | 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. [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page; the issued policy and its exclusions control..) |
| 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. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page FAQ; a general market range, not a quoted limit for any specific business..) |
| Risk Services | The reviewed umbrella page does not describe risk-management or loss-control services tied specifically to the umbrella layer. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Not found in reviewed sources; scope: Umbrella product page as read on 2026-09-23..) | Not described in the reviewed sources. |
| 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. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [9](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page "How will Mylo find me the right policy?" section..) |

## Full Comparison

- [Corgi vs Mylo](https://spot.insure/compare/corgi-vs-mylo): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms.
- [Corgi vs Mylo Business Owner’s Policy](https://spot.insure/compare/corgi-vs-mylo/business-owners-policy)
- [Corgi vs Mylo Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-mylo/commercial-auto)
- [Corgi vs Mylo Cyber Insurance](https://spot.insure/compare/corgi-vs-mylo/cyber)
- [Corgi vs Mylo General Liability Insurance](https://spot.insure/compare/corgi-vs-mylo/general-liability)
- [Corgi vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-mylo/medical-malpractice)
- [Corgi vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-mylo/professional-errors-omissions)
- [Corgi vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-mylo/workers-compensation)
- [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess)
- [Alliance Risk vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/umbrella-excess)
- [Amelia Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/umbrella-excess)
- [Amelia Risk vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-mylo/umbrella-excess)
- [CFC vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/umbrella-excess)
- [CFC vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-mylo/umbrella-excess)

## Sources

### Corgi

1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). 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.
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.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
6. [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.

### Mylo

7. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
8. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
9. [Commercial Umbrella](https://choosemylo.com/business/product-umbrella). Mylo; Rainy days? Try Umbrella coverage; Don't put a limit on your success (example scenarios for general liability, commercial auto and workers' comp); Umbrella coverage FAQs (typical payout range, standalone-use limitation); How will Mylo find me the right policy?. Accessed 2026-09-23.

### Umbrella and Excess Liability Insurance Guide

10. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/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.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.

Updated 2026-09-23. 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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