Coalition vs Corgi: How Do They Compare for Employment Practices Liability Insurance?

Coalition offers EPL within Executive Risks for private and nonprofit organizations, with limits up to $10 million per coverage line. Corgi sells startup EPLI with illustrative limits up to $1 million per claim and excludes wage-and-hour claims in its standard policy.

Corgi lets you quote startup EPLI online, with customer and vendor harassment claims covered, but wage-and-hour is excluded unless you add an endorsement. Coalition sells only through brokers and offers limits up to $10 million. ^3,^1,²

What Are the Key Differences Between Coalition and Corgi Employment Practices Liability Insurance?

Online Startup Quote vs Broker-Placed Higher Limits

You can request a Corgi EPLI quote online; Coalition sells Executive Risks only through appointed brokers. Corgi's illustration is $1 million per claim and $2 million aggregate with a $25,000 retention and defense inside the limit, while Coalition says limits up to $10 million per coverage line may be available. Choose Corgi if you're a startup that wants to buy online at around $1 million; choose Coalition if you need several million in limits and already work with a broker. ¹ ³

Third-Party Cover at Corgi, but Wage-and-Hour Is Excluded

Corgi's form has a separate grant for harassment or discrimination claims by customers and vendors, alongside employee and applicant claims. Coalition lists wrongful termination, discrimination, harassment and retaliation without describing third-party cover. Corgi excludes wage-and-hour claims unless endorsed, and the endorsement pays defense costs only, so overtime and FLSA settlements stay with you. Coalition's sources don't describe a wage-and-hour grant either. ¹ ³

What Should You Confirm in Coalition and Corgi Employment Practices Liability Insurance Quotes?

Ask Corgi whether the Wage & Hour Defense Costs and Independent Contractors endorsements are attached. ³
Ask Coalition for your actual EPL limit and retention, and whether the Zurich policy is admitted or non-admitted (non-admitted means no state guaranty fund backstop). ¹ ²
If a customer or vendor could sue you for harassment, ask Coalition whether its form covers it. ¹
If you have workers outside the U.S. and Canada, ask Corgi about its territory; Coalition's eligibility is stated for U.S. organizations. ³ ¹

Coalition vs Corgi Employment Practices Liability Insurance Compared

Coalition vs Corgi: Employment Practices Liability Insurance: documented features by provider

Criteria	Coalition Executive Risks — Employment Practices Liability (EPL)	Corgi Employment Practices Liability (EPLI)
Limits and Retentions	Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.	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. ³Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.
Who It’s For	Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23.	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. ³Company-reported. Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy.
How to Apply	Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	You can request an EPLI quote online through Corgi's self-serve application. ³Company-reported. Product page quote call to action.
Coverage Features	Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ¹Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms.	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	Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	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	Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific EPL policy depends on the placement route. ²Company-reported. U.S. Disclaimers page as read on 2026-09-23.	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.