---
title: "Corgi vs Relm Insurance Umbrella and Excess Liability Insurance"
description: "Corgi sells follow-form commercial umbrella for startups; Relm markets excess liability for fleets, large contracts and high-risk industries."
canonical: "https://spot.insure/compare/corgi-vs-relm/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Corgi vs Relm Insurance Umbrella and Excess Liability Insurance

Corgi sells follow-form commercial umbrella for startups; Relm markets excess liability for fleets, large contracts and high-risk industries.

## Research Scope and Use

Use this comparison to evaluate Corgi and Relm Insurance 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 occurrence follow-form umbrella extends to six startup scenarios, including EPLI excess, with an illustrative $5 million layer. Relm markets Excess Liability Insurance for higher exposure such as fleets, public interaction, large contracts, energy, manufacturing or transportation, with brokers advising limits. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## 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 Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [7](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [8](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## 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

### Umbrella Form Versus Excess Label

Corgi names the product Commercial Umbrella and describes it as occurrence-based follow-form over scheduled CGL, HNOA, and EPLI. Relm markets Excess Liability Insurance as a casualty line brokers can place when underlying liability limits may not be enough, and it describes the layer as adding protection once those underlying limits are exhausted. Relm’s reviewed page does not list follow-form, drop-down, or EPLI excess the way Corgi does. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### Startup Scenarios Versus High-Risk Operations

Corgi lists six extension scenarios aimed at startup liability (CGL, hired-auto, EPLI, personal and advertising injury, products-completed operations, CGL aggregate refresh). Relm says excess liability benefits companies with higher-than-average exposure—large vehicle fleets, significant public interaction, or large contracts—and calls it especially important for energy, manufacturing, or transportation. Those industry frames do not appear on Corgi’s umbrella page. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### Limits and Who Sets Them

Corgi shows an illustrative $5 million / $5 million layer with a $0 self-insured retention. Relm says brokers will always advise on the exact excess limits a client needs, framing the product as broker-guided rather than self-service, and does not publish a sample limit. Corgi still treats umbrella as a 1–14 day specialty item rather than an instant quote. Neither page names the issuing insurer. [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://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

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

- Ask whether Relm is quoting excess over a single underlying policy or a multi-policy tower, versus Corgi’s scheduled CGL/HNOA/EPLI umbrella. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Confirm Corgi’s follow-form and drop-down terms; Relm’s page does not describe those mechanics. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Match Relm’s broker-advised limit to Corgi’s illustrative $5 million example and to any contract requirement. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Get the issuing insurer from both. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## Offering Details

| Criteria | Corgi Commercial Umbrella Liability | Relm Excess Liability 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..) | Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |
| 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 page does not name a specific issuing insurer for excess liability placements. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| Who It’s For | Not described in the reviewed sources. | Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company..) |
| 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..) | Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations 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..) | Not described in the reviewed sources. |
| 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..) | 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. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research..) |

## Full Comparison

- [Corgi vs Relm Insurance](https://spot.insure/compare/corgi-vs-relm): 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 Relm Insurance Crime Insurance](https://spot.insure/compare/corgi-vs-relm/crime)
- [Corgi vs Relm Insurance Cyber Insurance](https://spot.insure/compare/corgi-vs-relm/cyber)
- [Corgi vs Relm Insurance D&O Insurance](https://spot.insure/compare/corgi-vs-relm/directors-officers)
- [Corgi vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-relm/employment-practices)
- [Corgi vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-relm/fiduciary)
- [Corgi vs Relm Insurance General Liability Insurance](https://spot.insure/compare/corgi-vs-relm/general-liability)
- [Corgi vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/corgi-vs-relm/media)
- [Corgi vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-relm/professional-errors-omissions)
- [Corgi vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/corgi-vs-relm/technology-errors-omissions)
- [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess)
- [Alliance Risk vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/umbrella-excess)
- [Amelia Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/umbrella-excess)
- [Amelia Risk vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/umbrella-excess)
- [CFC vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/umbrella-excess)
- [CFC vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-relm/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.

### Relm Insurance

7. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
8. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
9. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance; What is Excess Liability Insurance?. 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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