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

Relm Insurance markets excess liability that brokers place for clients whose underlying limits may fall short; Corgi sells umbrella above a startup's scheduled CGL, HNOA and EPLI policies.

Corgi suits startups: its umbrella stretches over six specific liability exposures, including employment practices, with a published $5 million example. Relm suits higher-risk operations such as large fleets, heavy public contact, big contracts, or energy, manufacturing and transportation, with your broker setting the limit. ^1,³

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

Startup Exposures or Heavy Operations

Corgi's six scenarios are general liability, hired and non-owned auto, employment practices, personal and advertising injury, products and completed operations, and a refill of your general liability aggregate. That last one matters if one bad year could use up your primary limit. Relm pays once your underlying limits run out and aims at businesses with above-average exposure. Choose Corgi if you're a startup whose risks are office, product and hiring claims; choose Relm if you run trucks, plants or large public-facing sites. ¹ ³

How Much You Know Before Quoting

Corgi explains how its layer behaves: it follows the terms of the policies underneath and can step in if an underlying insurer fails. Its example is $5 million per occurrence and aggregate with no retention, though quotes take 1 to 14 days. Relm publishes none of that; its brokers advise on the exact limit you need, so you depend on the broker to size and explain it. ¹ ² ³

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

Ask Relm's broker which policies the excess sits over and whether it follows their terms. ³
Check either quote's limit against what your contracts require. ³ ¹
Get the issuing insurer named on the Corgi umbrella quote and on the Relm excess quote. ¹ ³

Corgi vs Relm Insurance Umbrella and Excess Liability Compared

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

Criteria	Corgi Commercial Umbrella Liability	Relm Excess Liability Insurance
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.	Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. ³Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research.
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.	Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. ³Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations 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.	Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Corgi Commercial Umbrella Liability

Relm Excess Liability Insurance

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.

Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. ³Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research.

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.

Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. ³Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations 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.

Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.