--- title: "Corgi vs TechInsurance Umbrella and Excess Liability Insurance" description: "Corgi’s follow-form umbrella sits over CGL, HNOA and EPLI with a $5 million example; TechInsurance cites $1 million increments and a median $86 per month per million." canonical: "https://spot.insure/compare/corgi-vs-techinsurance/umbrella-excess" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/corgi-vs-techinsurance/umbrella-excess) # Corgi vs TechInsurance Umbrella and Excess Liability Insurance Corgi’s follow-form umbrella sits over CGL, HNOA and EPLI with a $5 million example; TechInsurance cites $1 million increments and a median $86 per month per million. ## Research Scope and Use Use this comparison to evaluate Corgi and TechInsurance 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 umbrella over scheduled CGL, HNOA and EPLI, with drop-down and an illustrative $5 million layer. TechInsurance arranges an add-on over general liability, employer’s liability or commercial auto in $1 million increments and cites a median $86 per month per million. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability 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 TechInsurance? TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [7](https://www.techinsurance.com/about-us "About TechInsurance") [8](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## 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 ### Extra Limits, Not a First-Dollar Policy Corgi sells Commercial Umbrella as excess above scheduled CGL, hired and non-owned auto, and EPLI, not as a standalone primary. TechInsurance arranges commercial umbrella as an add-on that increases limits across existing general liability, employer’s liability, or commercial auto, and says it is not sold as a standalone policy. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") ### When the Extra Layer Pays Corgi describes an occurrence follow-form that attaches when a scheduled underlying per-occurrence or aggregate limit is exhausted, matches that policy’s terms, and can drop down if an underlying insurer is insolvent or an aggregate is exhausted (generally not for an exclusion). TechInsurance says umbrella coverage pays for costs once the underlying policy’s limit is exhausted. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") ### Limit and Premium Figures on the Pages Corgi’s illustrative example is a $5 million per-occurrence and $5 million aggregate layer with a $0 self-insured retention above scheduled underlying limits. TechInsurance says coverage boosts limits in $1 million increments and costs a median of $86 per month for each $1 million of additional coverage, with premium depending on size, location, industry risk, claims history, employee count, and company vehicles. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") ## What to Confirm in Umbrella and Excess Liability Insurance Quotes - Ask TechInsurance whether the quote is umbrella over several policies or excess over one (usually E&O or general liability on its page). [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") - Confirm whether Corgi’s schedule includes EPLI; TechInsurance’s underlying list names general liability, employer’s liability, and commercial auto. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") - Compare the $86-per-month-per-million median with Corgi’s $5 million example and the quoted premium. [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") - Get issuing insurers and whether Corgi’s drop-down for insolvency is on the form. [6](https://www.corgi.insure/umbrella "Commercial Umbrella Insurance for Startups | Corgi Insurance") [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") ## Offering Details | Criteria | Corgi Commercial Umbrella Liability | TechInsurance Commercial 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..) | 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. [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: Umbrella insurance product page..) | | 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 the issuing insurer for an umbrella policy. [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Not publicly disclosed; scope: Umbrella insurance product page as read on 2026-09-23..) | | Who It’s For | Not described in the reviewed sources. | TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: Umbrella insurance product 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..)

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..) | 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. [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: 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). [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section..) | | 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..) | 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. [9](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | | 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..) | Not described in the reviewed sources. | ## Full Comparison - [Corgi vs TechInsurance](https://spot.insure/compare/corgi-vs-techinsurance): 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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/corgi-vs-techinsurance/business-owners-policy) - [Corgi vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-techinsurance/commercial-auto) - [Corgi vs TechInsurance Cyber Insurance](https://spot.insure/compare/corgi-vs-techinsurance/cyber) - [Corgi vs TechInsurance D&O Insurance](https://spot.insure/compare/corgi-vs-techinsurance/directors-officers) - [Corgi vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-techinsurance/employment-practices) - [Corgi vs TechInsurance General Liability Insurance](https://spot.insure/compare/corgi-vs-techinsurance/general-liability) - [Corgi vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-techinsurance/professional-errors-omissions) - [Corgi vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/corgi-vs-techinsurance/technology-errors-omissions) - [Corgi vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-techinsurance/workers-compensation) - [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess) - [Alliance Risk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/umbrella-excess) - [Amelia Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/umbrella-excess) - [Amelia Risk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/umbrella-excess) - [CFC vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/umbrella-excess) - [CFC vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-techinsurance/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. ### TechInsurance 7. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 8. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16. 9. [Commercial Umbrella Liability Insurance](https://www.techinsurance.com/umbrella-liability-insurance). TechInsurance; What does commercial umbrella insurance cover?; How much does umbrella insurance cost?; How does business umbrella insurance work for small businesses?; How is umbrella liability insurance different from 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/corgi-vs-techinsurance/umbrella-excess.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)