---
title: "Corgi vs Newfront Umbrella and Excess Liability Insurance"
description: "Corgi sells a follow-form startup umbrella with an illustrative $5 million layer; Newfront places umbrella and excess through its Casualty practice."
canonical: "https://spot.insure/compare/corgi-vs-newfront/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Corgi vs Newfront Umbrella and Excess Liability Insurance

Corgi sells a follow-form startup umbrella with an illustrative $5 million layer; Newfront places umbrella and excess through its Casualty practice.

## Research Scope and Use

Use this comparison to evaluate Corgi and Newfront 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 sells Commercial Umbrella as follow-form excess over scheduled CGL, HNOA and EPLI. Newfront places umbrella and excess through Casualty, listing it among other casualty lines without published attachment points or limit tiers. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [11](https://www.newfront.com/casualty-insurance "Casualty")

## 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 Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [7](https://www.newfront.com/business-insurance "Business Insurance") [8](https://www.newfront.com/total-rewards "Employee Benefits") [9](https://www.newfront.com/navigator "Newfront Navigator") [10](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## 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. [12](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [13](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

### Product Seller Versus Casualty Broker

Corgi sells Commercial Umbrella as excess capacity above a startup’s scheduled CGL, HNOA, and EPLI rather than as a standalone primary policy. Newfront places umbrella and excess liability through its Casualty practice rather than underwriting it, and the practice negotiates placement structure and terms with carriers on the client’s behalf. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [11](https://www.newfront.com/casualty-insurance "Casualty")

### Attachment Terms Versus a Named Casualty Line

Corgi describes the umbrella as occurrence-based and follow-form: it attaches once a scheduled underlying per-occurrence or aggregate limit is exhausted, matches that policy’s terms, and can drop down if an underlying insurer is insolvent or an aggregate is exhausted (generally not for an exclusion). Newfront lists Umbrella/Excess Liability as a key Casualty coverage alongside general liability, product liability, auto, and workers’ compensation, but the page does not describe specific attachment points or underlying-policy requirements. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [11](https://www.newfront.com/casualty-insurance "Casualty")

### How You Request the Layer

Corgi’s homepage lists Commercial Umbrella Liability under specialty coverages with a 1–14 day turnaround, distinct from policies marked for an instant online quote. You engage Newfront by requesting a consultation through the Casualty page, led by Frannie Epps, Head of the Casualty Practice; that page does not describe an online quote or bind flow. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [11](https://www.newfront.com/casualty-insurance "Casualty")

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

- Ask Corgi for issued follow-form and drop-down language, and ask Newfront what attachment points it would negotiate. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [11](https://www.newfront.com/casualty-insurance "Casualty")
- Compare Corgi’s illustrative $5 million / $0 SIR example with Newfront’s unpublished limit; Newfront describes guaranteed-cost, deductible, self-insurance, or captive structuring rather than a published tier. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [11](https://www.newfront.com/casualty-insurance "Casualty")
- Get issuing insurers; neither page names the umbrella carrier. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [11](https://www.newfront.com/casualty-insurance "Casualty")

## Offering Details

| Criteria | Corgi Commercial Umbrella Liability | Newfront Umbrella/Excess Liability |
| --- | --- | --- |
| 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..) | 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. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page Our Approach and Key Coverages sections..) |
| 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 reviewed Casualty page does not name an insurer for umbrella or excess placements; it describes 'strong carrier relationships' generally without naming a carrier. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: Casualty page as read on 2026-09-23; carrier depends on the specific placement..) |
| Who It’s For | Not described in the reviewed sources. | Newfront says its Casualty team protects companies of every size and scope, and lists industry verticals it serves, including construction, manufacturing, technology, and life science, without a stated minimum size or premium threshold for umbrella/excess placements specifically. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page intro and Areas of Expertise list..) |
| 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..) | 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. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page Key Coverages list; no policy form reviewed..) |
| 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..) | Newfront's Casualty page does not publish umbrella or excess limit options; it describes program structuring (guaranteed cost, large deductible, self-insurance, captive) as a service rather than stating specific limit tiers. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: Placement Expertise section; no limits schedule available..) |
| 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..) | Newfront says its Casualty team provides predictive analytics and benchmarking, claims advocacy, and integrated risk control to reduce claim frequency and total cost of risk, which the page frames as relevant across the casualty coverages it places, including umbrella/excess. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Our Approach and The Newfront Difference sections..) |
| 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. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page call-to-action and Leadership section..) |

## Full Comparison

- [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 and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms.
- [Corgi vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-newfront/cargo-transit)
- [Corgi vs Newfront Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-newfront/commercial-auto)
- [Corgi vs Newfront Crime Insurance](https://spot.insure/compare/corgi-vs-newfront/crime)
- [Corgi vs Newfront Cyber Insurance](https://spot.insure/compare/corgi-vs-newfront/cyber)
- [Corgi vs Newfront D&O Insurance](https://spot.insure/compare/corgi-vs-newfront/directors-officers)
- [Corgi vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-newfront/employment-practices)
- [Corgi vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-newfront/fiduciary)
- [Corgi vs Newfront General Liability Insurance](https://spot.insure/compare/corgi-vs-newfront/general-liability)
- [Corgi vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-newfront/professional-errors-omissions)
- [Corgi vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-newfront/representations-warranties)
- [Corgi vs Newfront Tech E&O Insurance](https://spot.insure/compare/corgi-vs-newfront/technology-errors-omissions)
- [Corgi vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-newfront/workers-compensation)
- [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess)
- [Alliance Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/umbrella-excess)
- [Amelia Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/umbrella-excess)
- [Amelia Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/umbrella-excess)
- [CFC vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/umbrella-excess)
- [CFC vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-newfront/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.

### Newfront

7. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
8. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
9. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
10. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
11. [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.

### Umbrella and Excess Liability Insurance Guide

12. [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.
13. [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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