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

Startup founders may ask Amelia Risk about its EPL placement and headcount guidance; Corgi sells standalone EPLI online and shows how its example policy is structured.

Corgi lets you apply online for a published EPLI form that covers claims from employees, applicants and third parties such as customers; Amelia Risk places EPL for you as a broker. Corgi's standard form leaves out wage-and-hour claims and independent contractors unless you add endorsements. ^6,¹

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

Published Online Form vs Broker Placement

Corgi sells form CORG-EPL-0100 through a self-serve application, so you can read the terms before you apply. Amelia Risk arranges EPL as a broker, doesn't underwrite it and doesn't publish the form or insurer it will use, so you only see terms once a quote arrives. Choose Corgi if you're a startup that wants to buy EPLI online against a known form; choose Amelia Risk if you want a broker to shop the policy for you. ⁶ ¹ ⁷

Third-Party Claims and the Gaps You Must Endorse

Both cover the core employee claims: harassment, wrongful termination, discrimination and failure to hire or promote. Corgi adds Agreement B for harassment or discrimination claims from customers or vendors; Amelia Risk's page lists only employee-side claims. Corgi's standard form excludes wage-and-hour claims and independent contractors, and its wage-and-hour endorsement pays defense costs only, not settlements. If you use contractors or pay hourly staff, add those endorsements or ask Amelia Risk for a form that covers them. ⁶ ¹

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

Ask Corgi which wage-and-hour and independent-contractor endorsements are on your quote. ⁶
Ask Amelia Risk whether its placed form covers customer and vendor claims the way Corgi's Agreement B does. ⁶ ¹
Compare retentions and whether defense costs reduce the limit; Corgi's example shows a $25,000 retention with defense inside a $1 million limit. ⁶ ¹
If you have staff abroad, note that Corgi covers only claims brought in the U.S., its territories, Puerto Rico or Canada, and ask Amelia Risk for its territory rule. ⁶ ¹
Ask each for the insurer that will issue your policy. ⁷ ¹

Amelia Risk vs Corgi Employment Practices Liability Insurance Compared

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

Criteria	Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage	Corgi Employment Practices Liability (EPLI)
Who It’s For	Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^2,^3,^4,⁵Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk recommends buying EPL once a company reaches roughly five to ten employees and is hiring more, and advises employers in California and New York to buy earlier in that range because those states are more litigious for employment claims. ¹Company-reported. EPL product page timing guidance as of 23 September 2026; a general recommendation, not a stated coverage requirement.	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. ⁶Company-reported. Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy.
Coverage Features	Amelia describes the EPL policy as protecting the employer against common claims including sexual harassment, wrongful termination, failure to promote or hire, discrimination, and hostile-work-environment claims. ¹Company-reported. EPL product page description; the actual policy wording, defenses, and exclusions depend on the issuing insurer and the client's declarations.	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. ⁶Company-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. ⁶Company-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. ⁶Company-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	Amelia Risk arranges EPL coverage for clients, describing and structuring the policy to protect the employer entity against employment-related claims, rather than underwriting it directly. ¹Company-reported. EPL product page as of 23 September 2026. Does not establish who issues a particular client's policy.	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. ⁶Company-reported. Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself.

Criteria

Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage

Corgi Employment Practices Liability (EPLI)

Who It’s For

Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^2,^3,^4,⁵Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk recommends buying EPL once a company reaches roughly five to ten employees and is hiring more, and advises employers in California and New York to buy earlier in that range because those states are more litigious for employment claims. ¹Company-reported. EPL product page timing guidance as of 23 September 2026; a general recommendation, not a stated coverage requirement.

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. ⁶Company-reported. Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy.

Coverage Features

Amelia describes the EPL policy as protecting the employer against common claims including sexual harassment, wrongful termination, failure to promote or hire, discrimination, and hostile-work-environment claims. ¹Company-reported. EPL product page description; the actual policy wording, defenses, and exclusions depend on the issuing insurer and the client's declarations.

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. ⁶Company-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. ⁶Company-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. ⁶Company-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

Amelia Risk arranges EPL coverage for clients, describing and structuring the policy to protect the employer entity against employment-related claims, rather than underwriting it directly. ¹Company-reported. EPL product page as of 23 September 2026. Does not establish who issues a particular client's policy.

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. ⁶Company-reported. Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself.