Chubb vs 
Corgi: How Do They Compare for Employment Practices Liability Insurance?
Chubb insures EPL and describes broad claim coverage with a built-in defense provision, while Corgi sells standalone EPLI online and shows an illustrative policy structure.
Corgi lets startups quote EPLI online, with published $1 million per claim, $2 million aggregate limits and a $25,000 retention, but excludes contractor and wage-and-hour claims unless endorsed. Chubb, sold through brokers, covers contractors and job applicants on its base form. 3,1
What Are the Key Differences Between Chubb and Corgi Employment Practices Liability Insurance?
Contractors Covered by Default vs by Endorsement
Chubb's EPL covers claims by past, current and prospective employees and independent contractors. Corgi's standard form (CORG-EPL-0100) leaves contractors out of "Employee" and wage-and-hour out of cover; you need an Independent Contractors and Leased Workers Endorsement, and wage-and-hour comes back only as defense costs. Choose Chubb if you rely on contractors; choose Corgi if you're a startup that wants to quote online and can add the endorsements. 1 3
Buying Online vs Through a Broker
You can request a Corgi EPLI quote online, standalone or inside its Series A, Growth Stage and Custom packages. Chubb sells EPL only as part of its ForeFront Portfolio through an appointed agent or broker. 2 3
Limits You Can See
Corgi shows up to $1 million per claim and $2 million aggregate, a $25,000 retention, with defense costs eating into the limit. Chubb publishes no limits or retentions, so you'll only know after a broker quotes. 3 1
Extras
Chubb adds early-engagement expense for disputes that haven't become lawsuits, a choice of defense arrangement, statute-of-limitations tolling requests and free ChubbWorks HR tools. Corgi splits cover into employee and applicant claims (Agreement A) and third-party harassment or discrimination by your staff (Agreement B), for claims in the US, its territories, Puerto Rico or Canada. 1 3
What Should You Confirm in Chubb and Corgi Employment Practices Liability Insurance Quotes?
- Check that the contractor and wage-and-hour endorsements are on your Corgi quote. 3 1
- Get Chubb's limit and retention and compare them with Corgi's $1 million / $2 million and $25,000. 3 1
- Ask Corgi which insurer issues your policy: Corgi Insurance Company, Technology Risk Retention Group (a member-owned insurer) or a partner. Chubb's is Federal Insurance Company or an affiliate. 1 4
Chubb vs Corgi Employment Practices Liability Insurance Compared
Chubb vs Corgi: Employment Practices Liability Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Employment Practices Liability Insurance | Corgi Employment Practices Liability (EPLI) |
|---|---|---|
| How to Apply | Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. 2Company-reported. ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally. | You can request an EPLI quote online through Corgi's self-serve application. 3Company-reported. Product page quote call to action. |
| Coverage Features | Chubb says the policy covers EPL claims brought by past, present and prospective employees and independent contractors, uses a broad definition of "Employment Practices Wrongful Act," and includes early-engagement expense coverage for pre-matter and pre-tender expenses or early-settlement opportunity costs. 1Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the EPL form builds in defense-provision optionality, including a Duty to Defend by Chubb option, and coverage for a written request to toll or waive a statute of limitations. 1Company-reported. Coverage Highlights list. | 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 | Chubb underwrites Employment Practices Liability (EPL) insurance as one of seven coverage parts within its ForeFront Portfolio, providing coverage aimed at private companies, not-for-profit organizations and healthcare organizations. 1Company-reported. ForeFront Portfolio EPL product sheet. | 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. |
| Issuing Insurer | Chubb's EPL product sheet states that insurance is provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. 1Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy. | 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. 4Company-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. |
