---
title: "Beazley vs Corgi: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/beazley-vs-corgi/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "beazley-vs-corgi"
provider-a: "beazley"
provider-b: "corgi"
coverage-line: "employment-practices"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/beazley-vs-corgi/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Beazley and Corgi for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Beazley versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Corgi for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Beazley or Corgi?
- What does Beazley or Corgi publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Beazley and Corgi.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

# 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.

Beazley writes EPL limits up to $20 million and offers full wage-and-hour cover through Workplace Protect; Corgi sells a startup EPLI form online with an illustrative $1 million limit and defense-only wage-and-hour cover.

## Beazley vs Corgi Employment Practices Liability Insurance Summary

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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Ask Beazley whether your quote uses the EPL wage-and-hour defense sublimit or Workplace Protect. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability")
- Ask Beazley for its retention and whether defense costs reduce the limit, as they do in Corgi's example. [3](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability")
- Ask Corgi which insurer will issue your policy; its disclaimers name more than one possibility. [4](https://www.corgi.insure/disclaimers "Disclaimers")

## Beazley vs Corgi Employment Practices Liability Insurance Compared

| 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](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..) |
| 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](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..) |
| 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: EPL product page coverage description; exclusions and conditions are set by the issued policy..)<br><br>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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](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. [3](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. [3](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..) |
| 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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [3](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..) |

## About Beazley and Corgi and Employment Practices Liability Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Beazley vs Corgi Employment Practices Liability

- [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Beazley Employment Practices Liability Insurance](https://spot.insure/insurance-providers/beazley/employment-practices)
- [Corgi Employment Practices Liability Insurance](https://spot.insure/insurance-providers/corgi/employment-practices)

## Sources for Beazley vs Corgi Employment Practices Liability Insurance

### Sources About Beazley

1. [Employment Practices Liability](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/). Beazley; What we offer: employment law experts, superior claims handling, BeazleySure; How can we help: duty to defend/pay on behalf, industry-specific wordings, sublimits; Who we can help; Where is this offered: Worldwide; Tools & Resources. Accessed 2026-09-23.
2. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available. Accessed 2026-09-23.

### Sources About Corgi

3. [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.
4. [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.

Updated 2026-09-29. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-vs-corgi/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)