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

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and Newfront 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 Newfront. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Corgi and Newfront.
- 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 Newfront](https://spot.insure/compare/corgi-vs-newfront) — 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
- [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile

# 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 sells startups a ready-made umbrella that follows their general liability, hired auto and EPLI terms, while Newfront's casualty team negotiates a custom umbrella structure for larger programs.

## Corgi vs Newfront Umbrella and Excess Liability Insurance Summary

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

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

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

### 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.newfront.com/casualty-insurance "Casualty")

## 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](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Ask Newfront where the umbrella would attach and which structure it recommends for you. [3](https://www.newfront.com/casualty-insurance "Casualty")
- Ask both which insurer issues the umbrella; neither names one. [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [3](https://www.newfront.com/casualty-insurance "Casualty")

## Corgi vs Newfront Umbrella and Excess Liability Insurance Compared

| 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. [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..) | 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. [3](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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). [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..) | 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. [3](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page Our Approach and Key Coverages sections..) |

## About Corgi and Newfront and Umbrella and Excess Liability Insurance

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

## Related Pages for Corgi vs Newfront Umbrella and Excess Liability

- [Corgi vs Newfront](https://spot.insure/compare/corgi-vs-newfront): 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)
- [Newfront Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/newfront/umbrella-excess)

## Sources for Corgi vs Newfront Umbrella and Excess Liability Insurance

### 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 Newfront

3. [Casualty](https://www.newfront.com/casualty-insurance). Newfront; Key Coverages to Protect Your Business: Umbrella/Excess Liability; Our Approach: Market Intelligence, Placement Expertise, Risk Quantification & Optimization; Leadership: Frannie Epps. 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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