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

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

## Agent Guide

**What this page is:** Focused comparison of CFC 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 CFC versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: CFC 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:**
- [CFC vs Corgi](https://spot.insure/compare/cfc-vs-corgi) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

# 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.

Corgi sells startups a standalone EPL policy online, while CFC only writes EPL inside its management liability package and can cover wage-and-hour costs that Corgi excludes.

## CFC vs Corgi Employment Practices Liability Insurance Summary

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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

### 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [4](https://www.cfc.com/en-us/claims/ "Claims") [5](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Get CFC’s EPL limit and retention in writing and set them against Corgi’s $1 million / $2 million and $25,000 retention. [5](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- If you have employees outside the US or Canada, raise it with Corgi before you buy. [5](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- 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](https://www.corgi.insure/disclaimers "Disclaimers") [3](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## CFC vs Corgi Employment Practices Liability Insurance Compared

| 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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [5](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..) |
| 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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Employment practices liability' description; the issued policy wording determines who and what is actually covered..)<br><br>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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [5](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. [5](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. [5](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 | 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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [5](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 CFC and Corgi and Employment Practices Liability Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/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 CFC vs Corgi Employment Practices Liability

- [CFC vs Corgi](https://spot.insure/compare/cfc-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.
- [CFC Employment Practices Liability Insurance](https://spot.insure/insurance-providers/cfc/employment-practices)
- [Corgi Employment Practices Liability Insurance](https://spot.insure/insurance-providers/corgi/employment-practices)

## Sources for CFC vs Corgi Employment Practices Liability Insurance

### Sources About CFC

1. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Employment practices liability; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
2. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
3. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
4. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### Sources About Corgi

5. [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.
6. [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.

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