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

Newfront places umbrella through its Casualty practice, beginning with a consultation request; Corgi sells umbrella as excess capacity above a startup's scheduled underlying policies.

Corgi suits a startup that wants a ready-made umbrella over its general liability, hired auto and employment practices policies, with published terms and a 1–14 day turnaround. Newfront suits a company that wants a casualty team to negotiate the structure, including deductibles, self-insurance or a captive. ^1,³

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

Published Terms Versus Negotiated Structure

Corgi tells you how its umbrella works before you buy: it follows the terms of your underlying policies, pays once their limits run out, and steps in if an underlying insurer goes insolvent or an aggregate is used up, though generally not for something excluded. Its example is a $5 million layer with no self-insured retention. Newfront publishes no terms; its Casualty practice negotiates with insurers for you, including guaranteed-cost, deductible, self-insured or captive setups. Choose Corgi if you're a startup that wants a standard umbrella with clear terms; choose Newfront if your casualty program is big enough to justify a custom structure. ¹ ³

What It Sits Over

Corgi's umbrella sits over your general liability, hired and non-owned auto, and employment practices policies. Newfront treats umbrella as part of a wider casualty program with general liability, product liability, auto and workers' comp. ¹ ³

Time to Coverage

Corgi lists its umbrella at 1–14 days, slower than its instant-quote products. Newfront starts with a consultation request to its Casualty practice, led by Frannie Epps, and offers no online quote. ² ³

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

Ask Corgi for the actual policy wording on following underlying terms and stepping in for an insolvent insurer. ¹
Ask Newfront where the umbrella would attach and which structure it recommends for you. ³
Ask both which insurer issues the umbrella; neither names one. ¹ ³

Corgi vs Newfront Umbrella and Excess Liability Insurance Compared

Corgi vs Newfront: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Corgi Commercial Umbrella Liability	Newfront Umbrella/Excess Liability
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.	You engage Newfront for umbrella/excess placement by requesting a consultation through the Casualty page, led by Frannie Epps, Head of the Casualty Practice; the page does not describe an online quote or bind flow. ³Company-reported. Casualty page call-to-action and Leadership 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.	Umbrella/Excess Liability is listed as one of the Key Coverages within Newfront's Casualty practice, alongside general liability, product liability, auto liability, and workers' compensation, but the page does not describe specific attachment points or underlying-policy requirements. ³Company-reported. Casualty page Key Coverages list; no policy form reviewed.
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.	Newfront places umbrella and excess liability coverage through its Casualty practice rather than underwriting it; the practice negotiates placement structure and terms with carriers on the client's behalf. ³Company-reported. Casualty page Our Approach and Key Coverages sections.

Criteria

Corgi Commercial Umbrella Liability

Newfront Umbrella/Excess Liability

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.

You engage Newfront for umbrella/excess placement by requesting a consultation through the Casualty page, led by Frannie Epps, Head of the Casualty Practice; the page does not describe an online quote or bind flow. ³Company-reported. Casualty page call-to-action and Leadership 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.

Umbrella/Excess Liability is listed as one of the Key Coverages within Newfront's Casualty practice, alongside general liability, product liability, auto liability, and workers' compensation, but the page does not describe specific attachment points or underlying-policy requirements. ³Company-reported. Casualty page Key Coverages list; no policy form reviewed.

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.

Newfront places umbrella and excess liability coverage through its Casualty practice rather than underwriting it; the practice negotiates placement structure and terms with carriers on the client's behalf. ³Company-reported. Casualty page Our Approach and Key Coverages sections.