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

Travelers says umbrella typically starts at $1 million and reaches $25 million on unsupported policies; Corgi's umbrella example is illustrative, a $5 million layer with a $0 self-insured retention.

Corgi's umbrella can sit over employment practices claims as well as general liability and hired auto, which suits a startup worried about an employee lawsuit. Travelers goes further on size and breadth, with limits up to $25 million on a standalone basis and options for businesses other insurers turn away. ^1,³

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

Employee Lawsuits Versus Trucks and Workplace Injuries

Corgi's Commercial Umbrella stacks on general liability, hired and non-owned auto, and employment practices liability. Its sample structure is $5 million / $5 million with no self-insured retention. Travelers' layer sits over general liability, auto and employer's liability, the exposures that matter for a business with vehicles or injury risk. Choose Corgi if you're a startup whose biggest fear is a large employment claim; choose Travelers if you run vehicles, have past claims or need more than $5 million. ¹ ³

How Much the Layer Actually Adds

Corgi's layer follows your underlying policy's terms and generally won't fill a gap your primary excludes. Travelers' umbrella can pay where primary limits run out and can cover some losses your underlying policies don't, though not every risk, such as some uninsured-motorist exposure. Travelers typically starts at $1 million and sells in $1 million steps, up to $25 million on a standalone policy. ¹ ³

Getting Covered If You're Hard to Place

Travelers offers three routes: a combined umbrella, pure excess, or its Northfield specialty market for businesses with several prior claims, little loss history or an unusual classification. It usually wants to write your primary policies too, and sells through independent agents. Corgi quotes this line in 1 to 14 days. ² ³

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

Ask Travelers which of its three routes your quote uses; they differ in breadth. ³
Ask Corgi which exclusions in your primary policies will carry through to the umbrella. ¹
Ask Travelers which primary policies and limits you must keep with it. ³
Ask Corgi which insurer issues the umbrella; its page doesn't say. ¹

Corgi vs Travelers Umbrella and Excess Liability Insurance Compared

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

Criteria	Corgi Commercial Umbrella Liability	Travelers Commercial Umbrella and Excess Liability 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.	Travelers says umbrella coverage typically starts at $1 million and increases in $1 million increments, and that it can write unsupported (monoline) policies with limits up to $25 million for small, midsized and large organizations. It does not publish a maximum limit for excess liability or Northfield placements. ³Company-reported. Commercial-umbrella cost section and benefits list.
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.	Travelers says an umbrella policy is usually purchased from the same insurer holding a buyer's primary coverage, which may require maintaining certain primary liability limits with Travelers first, and directs buyers to a Travelers independent agent to get started. ³Company-reported. Umbrella FAQ 'How do I buy umbrella insurance?' and video transcript.
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.	Travelers describes three coverage paths: A/B umbrella, excess liability, and Northfield excess-and-surplus-lines coverage for hard-to-place risks such as businesses with multiple prior claims, limited loss history or an unusual classification. ³Company-reported. Commercial-umbrella page's solutions list and Northfield FAQ answer. Travelers says the policy increases limits above standard primary policies, can replace exhausted primary limits, and can offer broader coverage than the underlying policies for certain losses, but that it does not cover all legal risk, such as some instances of uninsured-motorist exposure. ³Company-reported. Umbrella benefits section and FAQ; specific exclusions depend on the policy as issued.
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.	Travelers underwrites commercial umbrella and excess liability coverage as a supplemental policy layered on top of a buyer's existing general liability, auto liability and employer's liability policies, sold through three product options rather than one single form. ³Company-reported. Commercial-umbrella product page, as read on 2026-09-23.