---
title: "Alliance Risk vs Corgi Employment Practices Liability Insurance"
description: "Alliance Risk brokers EPLI with CA/NY limit guidance; Corgi’s startup form excludes wage-and-hour unless endorsed."
canonical: "https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Alliance Risk vs Corgi Employment Practices Liability Insurance

Alliance Risk brokers EPLI with CA/NY limit guidance; Corgi’s startup form excludes wage-and-hour unless endorsed.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and Corgi for Employment Practices 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

Alliance Risk places EPLI as a broker and often describes wage-and-hour as sublimited. Corgi sells startup EPLI on form CORG-EPL-0100 that excludes wage-and-hour except as a defense-costs endorsement, and shows illustrative limits up to $1 million per claim / $2 million aggregate. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## What Is Alliance Risk?

Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. [1](https://joinalliancerisk.com/about-us/ "About Us") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## 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. [5](https://www.corgi.insure/disclaimers "Disclaimers") [6](https://www.corgi.insure "Corgi Insurance homepage") [7](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [8](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [9](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Who Issues the Policy

Alliance Risk places EPLI as a broker; the reviewed sources do not name the issuer. Corgi sells EPLI as a standalone startup policy on form CORG-EPL-0100 and inside Series A, Growth Stage and Custom packages, and says coverage may be underwritten by Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. You learn Corgi’s entity from that disclosure; you learn Alliance Risk’s carrier from the placement. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [5](https://www.corgi.insure/disclaimers "Disclaimers")

### Wage-and-Hour

Alliance Risk says wage-and-hour violations are often covered subject to a sublimit. Corgi’s standard form excludes wage-and-hour, including FLSA misclassification and overtime, except through a Wage & Hour Defense Costs Endorsement that pays defense only, not settlements or judgments. Until those terms are on the quote, the two offerings are not answering the same wage-and-hour question. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

### Limit Figures Each Publishes

Corgi shows an illustrative structure of up to $1 million per claim and $2 million aggregate, with a $25,000 retention and defense inside the limit. Alliance Risk recommends $500,000 to $5 million by profile and a $2 million-plus minimum for California or New York employers. A California buyer is comparing Corgi’s illustration with Alliance Risk’s stated floor, not two bound policies. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask Corgi whether the wage-and-hour defense endorsement is on the quote; ask Alliance Risk how wage-and-hour is sublimited. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)")
- Ask Corgi whether the independent-contractors endorsement is included; Alliance Risk targets contractor-heavy workforces but does not describe that endorsement. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)")
- Compare Corgi’s illustrative $1 million / $2 million with Alliance Risk’s CA/NY $2 million-plus guidance. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)")
- If you have employees outside the US, Canada and Puerto Rico, Corgi says to discuss that territorial limit. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## Offering Details

| Criteria | Alliance Risk Employment Practices Liability Insurance (EPLI) | Corgi Employment Practices Liability (EPLI) |
| --- | --- | --- |
| 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: 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. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself..) |
| Issuing Insurer | The reviewed EPLI page does not name the insurer that would issue a policy; coverage terms, conditions and availability are described as varying by carrier, state and individual circumstances. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Not publicly disclosed; scope: EPLI product page as read on 2026-09-23..) | Corgi's disclaimers say coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. (an admitted carrier) or Technology Risk Retention Group, Inc.; the EPLI product page itself does not name which entity underwrites a given EPLI policy. [5](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: General carrier-financial-strength disclosure that applies across Corgi's product lines, not an EPLI-specific underwriter statement; your policy names the actual insurer..) |
| 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page; eligibility for a particular company depends on underwriting..)<br><br>Alliance Risk says a company should add EPLI coverage as it crosses into double-digit headcount, since employment claims rise with every new hire. [4](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: 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. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy..) |
| 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: 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. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-EPL-0100; the issued policy and declarations control..)<br><br>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. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Policy notes and Available Add-ons section for form CORG-EPL-0100; the endorsement requires separate issuance and does not add indemnity coverage..)<br><br>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. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Policy notes and Available Add-ons section for form CORG-EPL-0100; endorsement required and availability may vary by jurisdiction and underwriting..) |
| 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page's recommended-limit table; illustrative guidance, not a quote for any particular company..)<br><br>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. [4](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: 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. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) |
| Risk Services | Alliance Risk's EPLI risk review evaluates a company's HR practices, such as its handbook, anti-harassment training and termination procedures, and markets the risk to EPLI carriers, saying it typically delivers proposals within a few business days. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page, Get your EPLI risk review section; timing is a company estimate, not a guarantee..) | Not described in the reviewed sources. |
| 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page, Get your EPLI risk review section..) | You can request an EPLI quote online through Corgi's self-serve application. [10](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) |
| Claims Support | The reviewed EPLI page does not describe an Alliance Risk claims-handling or claims-advocacy process; it discusses what an EPLI policy covers rather than how Alliance Risk itself supports a claim. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Not found in reviewed sources; scope: EPLI product page as read on 2026-09-23..) | Not described in the reviewed sources. |

## Full Comparison

- [Alliance Risk vs Corgi](https://spot.insure/compare/alliance-risk-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Alliance Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-corgi/business-owners-policy)
- [Alliance Risk vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/cargo-transit)
- [Alliance Risk vs Corgi Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/commercial-auto)
- [Alliance Risk vs Corgi Crime Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/crime)
- [Alliance Risk vs Corgi Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/cyber)
- [Alliance Risk vs Corgi D&O Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/directors-officers)
- [Alliance Risk vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary)
- [Alliance Risk vs Corgi General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/general-liability)
- [Alliance Risk vs Corgi Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/liquor-liability)
- [Alliance Risk vs Corgi Media Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/media)
- [Alliance Risk vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/professional-errors-omissions)
- [Alliance Risk vs Corgi Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/technology-errors-omissions)
- [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess)
- [Alliance Risk vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/workers-compensation)
- [Alliance Risk vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/employment-practices)
- [Alliance Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/employment-practices)
- [Alliance Risk vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/employment-practices)
- [Alliance Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/employment-practices)
- [Alliance Risk vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/employment-practices)
- [Amelia Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/employment-practices)

## Sources

### Alliance Risk

1. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Employment Practices Liability (EPLI)](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/). Alliance Risk; EPLI Insurance: What Employment Practices Liability Covers, Costs, and Who Needs It; Who needs EPLI insurance?; What does EPLI insurance cover?; What EPLI does not cover; How to choose coverage and limits; Get your EPLI risk review. Accessed 2026-09-23.
4. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; The shared limit problem; How to structure the program as you scale. Accessed 2026-09-23.

### Corgi

5. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Carrier Financial Strength: 'Coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. ... Certain coverages may also be underwritten by Technology Risk Retention Group, Inc.'. Accessed 2026-09-23.
6. [Corgi Insurance homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
7. [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.
8. [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.
9. [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.
10. [EPLI Insurance for Startups](https://www.corgi.insure/employment-practices-liability). Corgi Insurance; What's Actually Inside Your EPLI Policy (form CORG-EPL-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

11. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. 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.

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