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

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

## Agent Guide

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

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

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

# 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.

Chubb's EPL covers claims from contractors and job applicants and is sold through brokers, while Corgi sells startup EPLI online with $1 million/$2 million limits but excludes contractors and wage claims unless you add endorsements.

## Chubb vs Corgi Employment Practices Liability Insurance Summary

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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance")

## 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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [3](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

### 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](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [3](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance")

### 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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [3](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance")
- Get Chubb's limit and retention and compare them with Corgi's $1 million / $2 million and $25,000. [3](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance")
- 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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [4](https://www.corgi.insure/disclaimers "Disclaimers")

## Chubb vs Corgi Employment Practices Liability Insurance Compared

| 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. [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally..) | 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 | 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list; subject to the policy as issued..)<br><br>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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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. [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..) |
| 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: General carrier-financial-strength disclosure that applies across Corgi's product lines, not an EPLI-specific underwriter statement; your policy names the actual insurer..) |

## About Chubb and Corgi and Employment Practices Liability Insurance

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

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

## Sources for Chubb vs Corgi Employment Practices Liability Insurance

### Sources About Chubb

1. [The ForeFront Portfolio — Employment Practices Liability Insurance](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf). Chubb; Employment Practices Liability Coverage Highlights; Misconception/Reality section; insurer disclosure line naming Federal Insurance Company. Accessed 2026-09-23.
2. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available Coverages: Employment Practices Liability Insurance listed among the ForeFront Portfolio's seven coverage parts. 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.

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