Alliance Risk vs Corgi: How Do They Compare for Employment Practices Liability Insurance?

Alliance Risk brokers EPLI for small businesses and can review workplace risks; Corgi sells standalone EPLI online and shows an illustrative policy limit structure.

Wage-and-hour claims are the split: Corgi’s startup policy excludes them except for an optional defense-costs endorsement, while Alliance Risk says its brokered policies often cover them under a sublimit. Corgi publishes illustrative limits up to $1 million per claim; Alliance Risk recommends $2 million or more for California and New York employers. ^1,³

What Are the Key Differences Between Alliance Risk and Corgi Employment Practices Liability Insurance?

Wage-and-Hour Settlements Excluded vs Often Sublimited

If an overtime or misclassification suit is your biggest worry, Alliance Risk is the stronger starting point. It says wage-and-hour violations are often covered on its brokered policies, subject to a sublimit. Corgi’s standard form excludes wage-and-hour, including FLSA misclassification and overtime; its Wage & Hour Defense Costs Endorsement pays your lawyers only, never a settlement or judgment. Choose Corgi if you are a venture-backed startup buying EPLI with other lines in one package; choose Alliance Risk if you run a contractor-heavy or higher-risk workforce. ¹ ³

Startup Package vs Broker Placement

Corgi sells EPLI on its own or inside Series A, Growth Stage and Custom startup packages, so you can buy several lines at once. Alliance Risk targets a broader small-business and high-risk employer profile through a broker placement. With Corgi, ask whether the package shares limits across coverages. ³ ⁴ ¹

Illustrative $1 Million Limit vs $2 Million-Plus Floor in CA and NY

Corgi shows an illustrative structure of up to $1 million per claim and $2 million aggregate, with a $25,000 retention and defense costs inside the limit, so legal fees shrink what is left to pay a claim. Alliance Risk recommends $500,000 to $5 million by profile and at least $2 million for California or New York employers. If you employ people in those states, Corgi’s illustrated per-claim limit sits below Alliance Risk’s floor. ³ ¹

What Should You Confirm in Alliance Risk and Corgi Employment Practices Liability Insurance Quotes?

Ask Corgi whether the wage-and-hour defense endorsement is on the quote; ask Alliance Risk for the wage-and-hour sublimit in dollars. ³ ¹
Ask Corgi whether the independent-contractors endorsement is included; Alliance Risk targets contractor-heavy workforces but does not describe that endorsement. ³ ¹
Ask both which insurer issues the policy. Corgi says coverage may come from Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc.; Alliance Risk’s insurer depends on the placement. ⁴ ¹
If you have employees outside the US, Canada and Puerto Rico, raise that with Corgi; it flags the territorial limit. ³

Alliance Risk vs Corgi Employment Practices Liability Compared

Alliance Risk vs Corgi: Employment Practices Liability Insurance: documented features by provider

Criteria	Alliance Risk Employment Practices Liability Insurance (EPLI)	Corgi Employment Practices Liability (EPLI)
Limits and Retentions	Alliance Risk recommends EPLI limits by profile: $500,000-$1M for companies under 20 employees with strong HR and no prior claims, $1M for most small businesses, $2M-$5M for 50-plus employees or multi-state operations, and a $2M-plus minimum for California or New York employers. ¹Company-reported. EPLI product page's recommended-limit table; illustrative guidance, not a quote for any particular company. Alliance Risk says entry-level management-liability packages that bundle EPLI with D&O and fiduciary often share a single aggregate limit, so a large D&O or fiduciary claim earlier in the policy year can reduce what is left for an EPLI claim; it says a specialist broker structures shared versus separate limits to manage that risk. ²Company-reported. Management liability page's discussion of bundled D&O, EPLI and fiduciary programs.	Corgi's illustrative EPLI structure shows limits up to $1 million per claim and $2 million in the policy aggregate, with a $25,000 self-insured retention per claim and defense costs included within the limit. ³Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.
Who It’s For	Alliance Risk targets EPLI at small businesses under 50 employees, high-risk industries such as healthcare, staffing, retail and hospitality, multi-state employers, and companies with complex workforces including contractors and foreign nationals. ¹Company-reported. EPLI product page; eligibility for a particular company depends on underwriting. Alliance Risk says a company should add EPLI coverage as it crosses into double-digit headcount, since employment claims rise with every new hire. ²Company-reported. Management liability page's program-staging guidance, describing EPLI specifically among the three bundled lines.	Corgi says EPLI coverage applies to claims made and pursued in the United States, its territories, Puerto Rico or Canada, and that startups with international employees should discuss this limitation with their advisor. ³Company-reported. Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy.
How to Apply	For an EPLI quote, Alliance Risk asks for employee count and locations, industry and states of operation, the types of employment decisions at issue, HR practices in place, existing coverage and limits, and a five-year claims history of EEOC charges, lawsuits and settlements. ¹Company-reported. EPLI product page, Get your EPLI risk review section.	You can request an EPLI quote online through Corgi's self-serve application. ³Company-reported. Product page quote call to action.
Coverage Features	Alliance Risk lists wrongful termination, discrimination, harassment, retaliation and failure to promote as typically covered EPLI claim types, with wage-and-hour violations often covered subject to a sublimit; it says claims under the National Labor Relations Act, criminal misconduct and benefit-plan ERISA breaches are excluded and routed to fiduciary liability coverage instead. ¹Company-reported. EPLI product page; coverage table and exclusions; actual policy wording and sublimits vary by carrier.	The standard policy has two insuring agreements: Agreement A covers claims by current employees, former employees and job applicants alleging discrimination, harassment, retaliation or wrongful termination; Agreement B covers claims by third parties, such as customers or vendors, alleging harassment or discrimination by an employee during a business interaction. ³Company-reported. Coverage summary for form CORG-EPL-0100; the issued policy and declarations control. The standard policy excludes wage-and-hour claims (including FLSA misclassification and overtime disputes); Corgi offers a Wage & Hour Defense Costs Endorsement that covers defense costs only, not settlements or judgments, for these claims. ³Company-reported. Policy notes and Available Add-ons section for form CORG-EPL-0100; the endorsement requires separate issuance and does not add indemnity coverage. Independent contractors are excluded from the policy's definition of 'Employee' by default; Corgi offers an Independent Contractors and Leased Workers Endorsement to extend coverage to claims from contractors and leased workers. ³Company-reported. Policy notes and Available Add-ons section for form CORG-EPL-0100; endorsement required and availability may vary by jurisdiction and underwriting.
Role in This Line	Alliance Risk places EPLI as a broker and describes itself as specializing in management liability for businesses operating in employment-litigation-heavy states such as California and New York. ¹Company-reported. EPLI product page; Alliance Risk does not underwrite the policy itself.	Corgi sells EPLI as a standalone startup policy and bundles it into its Series A, Growth Stage and Custom packages, describing it as coverage for claims arising from the employment relationship: wrongful termination, discrimination, harassment, retaliation and failure to hire. ³Company-reported. Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself.