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

TechInsurance arranges umbrella as an add-on in $1 million increments, at a median $86 per month per $1 million; Corgi's illustrative example is a $5 million layer above scheduled underlying policies.

Pick by what sits underneath: Corgi's umbrella extends general liability, hired auto and employment practices coverage, while TechInsurance's extends general liability, employer's liability or company-owned auto. TechInsurance also publishes a price, a median $86 a month for each $1 million. ^1,³

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

Which Policies Get the Extra Limit

Neither sells umbrella on its own; each adds limit over policies you already hold. Corgi schedules general liability, hired and non-owned auto and EPLI underneath, so a large employment lawsuit can reach the umbrella. TechInsurance lists general liability, employer’s liability and commercial auto, which fits a business with its own vehicles or workers’ comp exposure. Choose Corgi if you are a startup without owned vehicles and worry about employee claims; choose TechInsurance if you run company vehicles or want the layer over employer’s liability. ¹ ³

What You Can Budget Before Quoting

TechInsurance adds limit in $1 million steps and reports a median of $86 a month for each $1 million, with price driven by size, location, industry, claims history, headcount and vehicles. Corgi publishes a sample $5 million per-occurrence and aggregate layer with a $0 retention but no price. ³ ¹

When the Layer Pays

Corgi’s umbrella follows the terms of each scheduled policy and can step in as primary if an underlying insurer goes insolvent or an aggregate is used up, though generally not to fill an exclusion. TechInsurance says only that its umbrella pays once the underlying limit is used up. ¹ ³

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

Ask TechInsurance whether you are getting an umbrella over several policies or excess over one, such as E&O. ³
Ask Corgi whether all three underlying policies are on your schedule and whether the insolvency drop-down is on the form. ¹
Treat TechInsurance’s $86 median as its customers’ figure, not your price. ³
Ask both which insurer issues the policy. ¹ ³

Corgi vs TechInsurance Umbrella and Excess Liability Compared

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

Criteria	Corgi Commercial Umbrella Liability	TechInsurance Commercial 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.	TechInsurance says commercial umbrella coverage costs a median of $86 per month for each $1 million of additional coverage, with the exact premium depending on business size, location, industry risk, claims history, employee count and number of company vehicles. ³Company-reported. Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
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.	TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. ³Company-reported. Umbrella insurance product page; general policy description, not a specific policy form. TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). ³Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.
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.	TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. ³Company-reported. Umbrella insurance product page.

Criteria

Corgi Commercial Umbrella Liability

TechInsurance Commercial 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.

TechInsurance says commercial umbrella coverage costs a median of $86 per month for each $1 million of additional coverage, with the exact premium depending on business size, location, industry risk, claims history, employee count and number of company vehicles. ³Company-reported. Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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.

TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. ³Company-reported. Umbrella insurance product page; general policy description, not a specific policy form.

TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). ³Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.

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.

TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. ³Company-reported. Umbrella insurance product page.