---
title: "Corgi vs Counterpart: Employment Practices Liability Insurance"
description: "Corgi’s standard EPL form excludes wage-and-hour claims but offers a defense-cost endorsement; Counterpart labels its published EPL limits and retentions illustrative."
canonical: "https://spot.insure/compare/corgi-vs-counterpart/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "corgi-vs-counterpart"
provider-a: "corgi"
provider-b: "counterpart"
coverage-line: "employment-practices"
---

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

## Agent Guide

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

**Questions this page answers:**
- Corgi vs Counterpart for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Corgi or Counterpart?
- What does Corgi or Counterpart publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Employment Practices Liability Insurance from Corgi or Counterpart?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Corgi and Counterpart.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Corgi vs Counterpart](https://spot.insure/compare/corgi-vs-counterpart) — parent: all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile (evidence)
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [Corgi vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Corgi vs Counterpart General Liability Insurance](https://spot.insure/compare/corgi-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-corgi/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)

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

Corgi’s standard EPL form excludes wage-and-hour claims but offers a defense-cost endorsement; Counterpart labels its published EPL limits and retentions illustrative.

## Research Scope and Use

Use this comparison to evaluate Corgi and Counterpart for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi specifies employee and third-party claim agreements, a wage-and-hour defense endorsement, and illustrative limits. Counterpart’s dedicated EPL page lists general allegations and illustrative terms. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [9](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")

## What Is Corgi Insurance?

Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. [1](https://www.corgi.insure/disclaimers "Disclaimers") [2](https://www.corgi.insure "Corgi Insurance homepage") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [7](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [8](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [12](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [13](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

## Key Differences in Employment Practices Liability Insurance

### Employee and Third-Party Claims

Corgi’s standard form separates employee claims from third-party harassment or discrimination claims and excludes wage-and-hour disputes; its optional endorsement covers defense costs only. Counterpart describes employment-related allegations broadly. If wage claims are a concern, compare Corgi’s defense-only extension with the actual Counterpart wording and ask whether any settlement or judgment is covered. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [9](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")

### Wage-and-Hour Treatment

Corgi illustrates limits up to $1 million per claim and $2 million aggregate, with a $25,000 retention and defense costs inside the limit. Counterpart also labels its published limits illustrative. Compare the quote’s retention and whether defense erodes the aggregate; those details determine how much remains for a later claim. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [9](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask Corgi whether the wage-and-hour endorsement is included and confirm it does not cover settlements or judgments. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Ask Counterpart to state the actual per-claim and aggregate limits, retention, and defense-cost treatment. [9](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")

## Offering Details

| Criteria | Corgi Employment Practices Liability (EPLI) | Counterpart Employment Practices Liability |
| --- | --- | --- |
| Role in This Line | 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. [6](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..) | Counterpart says insurance is offered through its producer and surplus-lines broker and describes wholesale-broker distribution. [7](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [10](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: This does not identify the carrier for an EPL placement..) |
| Issuing Insurer | 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. [1](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..) | Confirm in your quote. |
| Who It’s For | 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. [6](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..) | Counterpart publishes a dedicated Employment Practices Liability product page within its business-insurance catalogue. [9](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The source summary does not establish a size, industry, state or applicant acceptance rule..) |
| Coverage Features | 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. [6](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. [6](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. [6](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..) | Counterpart’s EPL page lists employment-related allegations as examples of the exposure its product addresses. [9](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The retained page description does not supply the policy’s complete covered-claim definition or exclusions..) |
| Limits and Retentions | 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. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) | Counterpart labels its published EPL limit and retention figures as illustrative examples. [9](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Examples are not guaranteed or quoted terms; the assigned source record does not preserve a universal numeric offer..) |
| How to Apply | You can request an EPLI quote online through Corgi's self-serve application. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) | Confirm in your quote. |

## Full Comparison

- [Corgi vs Counterpart](https://spot.insure/compare/corgi-vs-counterpart): 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.
- [Corgi vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-counterpart/fiduciary)
- [Corgi vs Counterpart General Liability Insurance](https://spot.insure/compare/corgi-vs-counterpart/general-liability)
- [AIG vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-corgi/employment-practices)
- [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices)
- [Alliance Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices)
- [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices)
- [Amelia Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/employment-practices)
- [Amelia Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices)

## Sources

### Corgi

1. [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.
2. [Corgi Insurance homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
6. [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.

### Counterpart

7. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
8. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
9. [Employment Practices Liability Insurance](https://yourcounterpart.com/products/epli). Counterpart, Inc.; Retained provider source: product page lists eligibility, employment allegations and illustrative limits/retentions; prior access 2026-09-28. Direct reopen timed out in this session.. Accessed 2026-09-28.
10. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Employment Practices Liability Insurance Guide

11. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
12. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
13. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Corgi Reviews

Review Score: not enough ratings.

The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/corgi/reviews).

## Counterpart Reviews

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-counterpart/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)