CFC vs 
Corgi: How Do They Compare for Employment Practices Liability Insurance?
CFC includes EPL and notes California eligibility limits; Corgi sells standalone EPLI online with an illustrative policy structure that excludes wage-and-hour claims.
You can buy EPL on its own from Corgi, online, as a startup; CFC only writes it inside a broader management liability package. CFC’s section can pay wage-and-hour and immigration costs, while Corgi excludes wage-and-hour settlements. 1,5
What Are the Key Differences Between CFC and Corgi Employment Practices Liability Insurance?
Standalone Startup Policy vs Package-Only EPL
CFC lists standalone EPL among the risks it declines, so you can only get its EPL inside its US management liability package. Corgi sells EPL as a standalone startup policy, quoted online, and also in Series A, Growth Stage and Custom packages. CFC also declines California-domiciled businesses and US public companies for that package. Choose Corgi if you are a startup that wants EPL alone or are based in California; choose CFC if you also need D&O and want wage-and-hour costs covered. 1 5
Wage-and-Hour Costs Covered vs Excluded
CFC says its EPL section covers the company, directors, officers, managers and employees for claims by employees or third parties, and can include wage-and-hour, immigration investigation and workplace-violence costs, with a dedicated adjuster. Corgi covers employee claims (Agreement A) and customer or vendor harassment or discrimination claims (Agreement B), but excludes wage-and-hour except for a defense-only endorsement that never pays settlements. Corgi also excludes independent contractors unless you add an endorsement. 1 4 5
Published $1 Million Limit vs No Published EPL Figures
Corgi illustrates up to $1 million per claim and $2 million aggregate, with a $25,000 retention and defense costs inside the limit, so legal fees reduce what is left for a settlement. CFC publishes no separate EPL limit, sublimit or retention, so you will not know its numbers until you get a package quote. Corgi covers only claims made and pursued in the US, its territories, Puerto Rico or Canada. 5 1
What Should You Confirm in CFC and Corgi Employment Practices Liability Insurance Quotes?
- Ask Corgi whether the wage-and-hour defense and independent-contractor endorsements are on your quote; ask CFC which EPL extensions are actually granted. 5 1
- Get CFC’s EPL limit and retention in writing and set them against Corgi’s $1 million / $2 million and $25,000 retention. 5 1
- If you have employees outside the US or Canada, raise it with Corgi before you buy. 5
- Ask both which insurer issues the policy. Corgi says Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. may underwrite; CFC’s US EPL insurer is not named. 6 3
CFC vs Corgi Employment Practices Liability Insurance Compared
CFC vs Corgi: Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | Corgi Employment Practices Liability (EPLI) |
|---|---|---|
| Who It’s For | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this EPL coverage. 1Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | 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. 5Company-reported. Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy. |
| Coverage Features | CFC says its employment practices liability section gives cover to the entity, directors, officers, management personnel and employees for claims brought by employees or third parties. 1Company-reported. Brochure's 'Employment practices liability' description; the issued policy wording determines who and what is actually covered. CFC says it can include cover for wage and hour violations, immigration investigations, and costs following a workplace violence event as part of employment practices liability. 1Company-reported. Brochure's 'Employment practices liability' description and 'What else is in the policy?' list; availability of each extension depends on underwriting. | 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. 5Company-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. 5Company-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. 5Company-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 | CFC includes employment practices liability only inside its US Management Liability package. Its brochure lists 'standalone EPL' among the risks it declines, so a business cannot buy this coverage from CFC on its own. 1Company-reported. Brochure's 'What we decline' list, which pairs standalone EPL with California-domiciled business as declined risks. | 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. 5Company-reported. Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself. |
