Beazley vs 
Corgi: How Do They Compare for Employment Practices Liability Insurance?
Beazley insures EPL nationwide with advertised limits up to US $20 million; Corgi sells standalone EPLI online with an illustrative policy structure.
Corgi lets a startup apply online for a $1 million-per-claim EPLI form; Beazley is the insurer to ask your broker for when you need limits up to $20 million. Corgi's wage-and-hour add-on pays only defense costs, while Beazley also sells standalone wage-and-hour cover. 3,1
What Are the Key Differences Between Beazley and Corgi Employment Practices Liability Insurance?
Online Startup Form vs Large-Limit Insurer
Corgi sells form CORG-EPL-0100 through an online application, standalone or inside its Series A, Growth Stage and Custom packages. Beazley's EPL page offers downloadable ExecuGuard and EPL applications instead of a self-serve quote, so you'll typically go through a broker. Corgi's illustrative structure tops out at $1 million per claim and $2 million aggregate; Beazley advertises limits up to $20 million. Choose Corgi if you're a startup that needs $1 million of EPLI quickly online; choose Beazley if you need more than $2 million or have a large workforce. 3 1
Wage-and-Hour: Defense Only vs a Path to Full Cover
Corgi's standard form excludes wage-and-hour claims, including FLSA misclassification and overtime, and its add-on endorsement pays defense costs only, not settlements or judgments. Beazley lists a wage-and-hour defense-costs sublimit on EPL and sells settlement and judgment cover separately through Workplace Protect. If you employ many hourly workers, only Beazley offers a way to insure the payout itself. 3 1
Known Retention vs Unpublished Retention
Corgi's example shows a $25,000 self-insured retention per claim, with defense costs reducing the limit. Beazley publishes no standard retention, so you'll learn yours only from a quote. 3 1
What Should You Confirm in Beazley and Corgi Employment Practices Liability Insurance Quotes?
- Ask Corgi whether the wage-and-hour and independent-contractor endorsements are attached. 3
- Ask Beazley whether your quote uses the EPL wage-and-hour defense sublimit or Workplace Protect. 1
- Ask Beazley for its retention and whether defense costs reduce the limit, as they do in Corgi's example. 3 1
- Ask Corgi which insurer will issue your policy; its disclaimers name more than one possibility. 4
Beazley vs Corgi Employment Practices Liability Insurance Compared
Beazley vs Corgi: Employment Practices Liability Insurance: documented features by provider
| Criteria | Beazley Employment Practices Liability | Corgi Employment Practices Liability (EPLI) |
|---|---|---|
| Limits and Retentions | Beazley advertises EPL limits up to US $20 million. The reviewed page does not publish standard retentions. 1Company-reported. Advertised maximum capacity, not a guaranteed quote amount or published retention. | 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 | Beazley says it considers employers in all industries with up to 30,000 employees, with no stated employee-count limit for staffing firms, and describes an appetite for harder-to-place classes such as law firms, hospitality, high-tech, healthcare, retail and transportation; healthcare risks are instead written through Beazley Remedy. 1Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant. | 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 | Beazley lists an ExecuGuard application, an EPL renewal application and a staffing supplemental application as downloadable tools on the EPL page; the reviewed page does not describe a self-service online quoting flow for new business. 1Company-reported. EPL product page Tools & Resources section as read on 2026-09-23. | You can request an EPLI quote online through Corgi's self-serve application. 3Company-reported. Product page quote call to action. |
| Coverage Features | The EPL policy covers a broad range of discrimination, harassment and other "inappropriate employment conduct" claims, lets the policyholder choose between "duty to defend" and "pay on behalf" claim handling, and includes industry-specific wordings for classes such as law firms, accountants, staffing firms and PEOs. 1Company-reported. EPL product page coverage description; exclusions and conditions are set by the issued policy. Beazley lists sublimited extensions for immigration-practices defense costs and OSHA proceedings, and a wage-and-hour defense-costs sublimit subject to underwriting; standalone wage-and-hour indemnity (not just defense costs) is sold separately through Beazley's Workplace Protect product. 1Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote. | 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 | Beazley underwrites employment practices liability (EPL) coverage as a standalone product on its dedicated EPL page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and fiduciary liability. 1,2Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular 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. 3Company-reported. Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself. |
