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

Corgi's illustrative umbrella example is a $5 million per-occurrence and $5 million aggregate layer; Risklytics places umbrella with outside carriers, listing a typical request of $1 million to $10 million.

Risklytics finds specialist insurers willing to write extra limits for robotics, autonomy and AI companies, typically $1 million to $10 million when a contract demands it. Corgi sells a startup umbrella that also sits over hired auto and employment practices liability. ^3,¹

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

Hardware and AI Risk Versus a General Startup Umbrella

Risklytics is a broker that works with specialist insurers. It says the usual trigger is your first big contract: an enterprise master service agreement or a site owner asking for $5 million or more. The layer stacks over general liability, commercial auto and employer's liability, and it rarely sits over tech E&O. Corgi's Commercial Umbrella follows your general liability, hired and non-owned auto, and employment practices liability. It drops down to pay if an underlying insurer goes insolvent or an aggregate limit runs out. Choose Risklytics if you build robots, autonomous systems or AI hardware and a customer contract sets your limit; choose Corgi if you're a startup that wants excess over employee lawsuits and hired auto as well as general liability. ⁴ ³ ¹

How Long It Takes and What It Costs You

You start Risklytics online. It says there's no broker fee on top of premium, and a licensed producer stays on your file until you bind. Corgi's umbrella is a specialty line with a 1–14 day turnaround, unlike its instant-quote policies. Its published example is a $5 million per-claim and $5 million aggregate layer with no self-insured retention, so you pay nothing before it responds. ⁵ ⁴ ¹ ²

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

Ask both which insurer issues the policy. Risklytics says the name appears on the bound policy, and Corgi's umbrella page doesn't name one. ³ ¹
If you need excess over tech E&O, raise it with Risklytics early, since it says its layer rarely sits there. ³
Check that employment practices liability is on Corgi's schedule of underlying policies. ¹
Match the limit to your contract's number, not to either company's example. ¹ ³
Check that Risklytics' quote shows no broker fee on top of premium. ⁵

Corgi vs Risklytics Umbrella and Excess Liability Insurance Compared

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

Criteria	Corgi Commercial Umbrella Liability	Risklytics Extra Limits (Umbrella) Insurance
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. ¹Company-reported. 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.	Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. ³Company-reported. Lines page; actual limits are set on the bound policy.
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 start Risklytics Extra Limits (Umbrella) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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.	Risklytics describes this line as stacking extra liability limits, commonly over general liability, commercial auto and employer's liability, on top of a primary policy when a contract demands higher limits than the primary carries, and says it rarely sits over Tech E&O. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Extra Limits (Umbrella) Insurance with outside carriers; it says it does not underwrite policies itself. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.