---
title: "Corgi vs Risklytics: Umbrella and Excess Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-risklytics/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-risklytics"
provider-a: "corgi"
provider-b: "risklytics"
coverage-line: "umbrella-excess"
---

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and Risklytics for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Corgi versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs Risklytics for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Corgi or Risklytics?
- What does Corgi or Risklytics publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Corgi and Risklytics.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs Risklytics](https://spot.insure/compare/corgi-vs-risklytics) — all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 places $1 million to $10 million umbrella layers for robotics, autonomy and AI companies facing contract limit demands, while Corgi sells startups an umbrella that also sits over hired auto and employment practices claims.

## Corgi vs Risklytics Umbrella and Excess Liability Insurance Summary

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](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")

## 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](https://www.risklytics.ai/about/ "About Risklytics: who we are") [3](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")

### 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

## 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](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- If you need excess over tech E&O, raise it with Risklytics early, since it says its layer rarely sits there. [3](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")
- Check that employment practices liability is on Corgi's schedule of underlying policies. [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance")
- Match the limit to your contract's number, not to either company's example. [1](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [3](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")
- Check that Risklytics' quote shows no broker fee on top of premium. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## Corgi vs Risklytics Umbrella and Excess Liability Insurance Compared

| 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. [1](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. [3](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: 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. [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. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](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..) |
| 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). [1](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. [1](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. [3](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: 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. [1](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. [4](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..) |

## About Corgi and Risklytics and Umbrella and Excess Liability Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess)

## Related Pages for Corgi vs Risklytics Umbrella and Excess Liability

- [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 or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Corgi Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/corgi/umbrella-excess)
- [Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/risklytics/umbrella-excess)

## Sources for Corgi vs Risklytics

### Sources About Corgi

1. [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.
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.

### Sources About Risklytics

3. [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.
4. [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.
5. [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.

Updated 2026-09-29. 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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