The Baldwin Group vs Corgi: How Do They Compare for Employment Practices Liability Insurance?

The source describes The Baldwin Group’s brokerage or advisory role for Employment Practices Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. ^3,4Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement.

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. ¹⁰Company-reported. Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself.

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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. ⁵Company-reported. General carrier-financial-strength disclosure that applies across Corgi's product lines, not an EPLI-specific underwriter statement; your policy names the actual insurer.

Baldwin lists professional-services firms and real-estate organizations among audiences whose coverage strategies may include employment-practices liability. The pages do not publish an eligibility schedule for an individual employer. ^3,4Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.

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. ¹⁰Company-reported. Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy.

Baldwin lists employment-practices liability as a coverage option in its professional-services and real-estate risk programs. It does not describe covered employment acts, third-party claims, limits or exclusions for a particular policy. ^3,4Company-reported. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown.

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. ¹⁰Company-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. ¹⁰Company-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. ¹⁰Company-reported. Policy notes and Available Add-ons section for form CORG-EPL-0100; endorsement required and availability may vary by jurisdiction and underwriting.

The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. ^3,4Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources.

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. ¹⁰Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

Baldwin describes risk assessment, tailored coverage strategy and claims advocacy for the named business audiences. These broker services do not determine an insurer’s claim decision. ^3,4Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.

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You can request an EPLI quote online through Corgi's self-serve application. ¹⁰Company-reported. Product page quote call to action.