---
title: "Corgi vs Risklytics Umbrella and Excess Liability Insurance"
description: "Corgi’s umbrella follows CGL, HNOA and EPLI; Risklytics stacks extra limits for robotics, autonomy and AI, rarely over Tech E&O."
canonical: "https://spot.insure/compare/corgi-vs-risklytics/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Corgi vs Risklytics Umbrella and Excess Liability Insurance

Corgi’s umbrella follows CGL, HNOA and EPLI; Risklytics stacks extra limits for robotics, autonomy and AI, rarely over Tech E&O.

## Research Scope and Use

Use this comparison to evaluate Corgi and Risklytics 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 a follow-form startup umbrella over CGL, hired-auto and EPLI with an illustrative $5 million layer. Risklytics places Extra Limits (Umbrella) with outside carriers for contract-driven towers, typically $1–10 million, and says the layer rarely sits over Tech E&O. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) 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 Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/ "Insurance for Frontier Tech") [9](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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

### Startup Schedule Versus Robotics Markets

Corgi sells Commercial Umbrella as excess over scheduled CGL, HNOA, and EPLI. Risklytics Insurance Services describes itself as a licensed producer that places Extra Limits (Umbrella) with outside carriers and does not underwrite; it says it works with specialist insurers willing to write robotics, autonomy, and AI risk. Corgi’s six scenarios include EPLI excess; Risklytics says this line rarely sits over Tech E&O. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")

### Why the Extra Limits Appear

Risklytics says the usual trigger is the first contract demanding more liability than the primary, often an enterprise master service agreement or a site owner asking for $5 million or more, stacked over general liability, commercial auto, and employer’s liability. Corgi presents the layer as follow-form capacity for startups, with drop-down if an underlying insurer is insolvent or an aggregate is exhausted, not as an MSA-driven $5 million-plus ask. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")

### Published Ranges and How You Start

Corgi’s example is $5 million / $5 million with a $0 SIR. Risklytics lists a typical ask of $1 million to $10 million stacked on other policies. You start Risklytics Extra Limits through its online application; it says there is no broker fee on top of premium and Risklytics says a licensed producer stays on the file until bind. Corgi lists a 1–14 day specialty turnaround, distinct from instant-quote policies. [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") [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are")

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

- Ask Risklytics whether any Tech E&O is excluded from the stack; ask Corgi whether EPLI is on the schedule. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Compare Corgi’s $5 million illustration with Risklytics’ $1–10 million typical ask and any MSA figure. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")
- Confirm Risklytics’ “no broker fee on top of premium” against the quote; Corgi’s page does not discuss producer fees. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")
- Get issuing carriers; Risklytics says the name appears on the bound policy, and Corgi’s umbrella page does not name one. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")

## Offering Details

| Criteria | Corgi Commercial Umbrella Liability | Risklytics Extra Limits (Umbrella) 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..) | 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. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| 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..) | Risklytics does not name the carrier that underwrites Risklytics Extra Limits (Umbrella) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| Who It’s For | Not described in the reviewed sources. | Risklytics says the usual trigger is the first contract demanding more liability coverage than the primary policy carries, often an enterprise master service agreement or a site owner asking for $5 million or more. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | 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. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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..) | Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| 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..) | Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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 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. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [Corgi vs Risklytics](https://spot.insure/compare/corgi-vs-risklytics): 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 Risklytics Cyber Insurance](https://spot.insure/compare/corgi-vs-risklytics/cyber)
- [Corgi vs Risklytics D&O Insurance](https://spot.insure/compare/corgi-vs-risklytics/directors-officers)
- [Corgi vs Risklytics General Liability Insurance](https://spot.insure/compare/corgi-vs-risklytics/general-liability)
- [Corgi vs Risklytics Tech E&O Insurance](https://spot.insure/compare/corgi-vs-risklytics/technology-errors-omissions)
- [Corgi vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-risklytics/workers-compensation)
- [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess)
- [Alliance Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/umbrella-excess)
- [Amelia Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/umbrella-excess)
- [Amelia Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/umbrella-excess)
- [CFC vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/umbrella-excess)
- [CFC vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-risklytics/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.

### Risklytics

7. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
8. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
9. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
10. [Extra Limits (Umbrella) Insurance](https://www.risklytics.ai/lines/umbrella/). Risklytics; Coverage line: Extra Limits (Umbrella); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
11. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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 2026-09-24. 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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