Chubb vs Corgi Employment Practices Liability Insurance

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. ⁴Company-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. ¹¹Company-reported. Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself.

Chubb's EPL product sheet states that insurance is provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. ⁴Company-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. ⁶Company-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.

Not described in the reviewed sources.

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. ¹¹Company-reported. Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy.

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. ⁴Company-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. ⁴Company-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. ¹¹Company-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. ¹¹Company-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. ¹¹Company-reported. Policy notes and Available Add-ons section for form CORG-EPL-0100; endorsement required and availability may vary by jurisdiction and underwriting.

The reviewed product sheet illustrates claim scenarios (settlements ranging from under $1 million to $350,000, with defense costs shown separately) but does not publish specific policy limits or retentions. ⁴Not found in reviewed sources. Claims Scenarios section; illustrative examples, not policy terms.

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. ¹¹Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

Chubb says EPL policyholders get access to ChubbWorks, a free online resource with loss-prevention tools for employment and employee issues, and integrated global coverage capabilities through Chubb's affiliated broker network for locally admitted policies where permissible. ⁴Company-reported. Coverage Highlights list; company-described service program.

Not described in the reviewed sources.

Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. ⁵Company-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. ¹¹Company-reported. Product page quote call to action.