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

Corgi offers standalone startup EPLI with a standard wage-and-hour exclusion and coverage limited to U.S. claims. Coverdash arranges EPLI quotes from a panel of insurers and says the coverage is often bundled with D&O.

Corgi sells its own startup EPLI with published terms, up to $1 million per claim, but wage-and-hour claims and contractors are excluded unless you add endorsements. Coverdash is a broker that quotes EPLI from its insurer panel and can bundle it with D&O and fiduciary. ^1,³

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

A Startup Policy You Can Read First vs Panel Quotes

Corgi sells EPLI as a standalone startup policy and inside its Series A, Growth Stage and Custom packages. It publishes both grants: claims from employees and applicants, and third-party harassment or discrimination during a business interaction. Coverdash doesn’t underwrite; it gathers quotes from its panel and names neither the insurer nor limits. Both let you start online. Choose Corgi if you’re a startup that wants to read the terms before you quote; choose Coverdash if you want a broker to compare insurers or bundle EPLI with D&O and fiduciary. ¹ ³

Wage-and-Hour and Contractors Excluded Unless Added

Corgi’s standard policy excludes wage-and-hour claims; its Wage & Hour Defense Costs Endorsement pays defense only, not settlements. Independent contractors aren’t covered as employees unless you add the Independent Contractors and Leased Workers Endorsement. Coverdash’s page doesn’t address either, so you’ll learn its treatment only in the quote. ¹ ³

$1 Million Per Claim With a $25,000 Retention vs Unpublished Limits

Corgi’s sample structure shows up to $1 million per claim and $2 million in total, a $25,000 retention (what you pay before cover starts), and defense costs that reduce the limit. Coverdash publishes no limits and markets EPLI to any business with employees. ¹ ³

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

Ask Corgi whether the wage-and-hour and contractor endorsements are on your quote. ¹
Ask Corgi which company issues your policy; its disclaimers name Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. (a member-owned insurer that isn’t covered by state guaranty funds). ²
Ask Coverdash which panel insurer issues the policy and whether EPLI shares a limit with D&O and fiduciary. ³
Ask Coverdash whether third-party claims are covered the way Corgi’s third-party grant describes. ³ ¹

Corgi vs Coverdash Employment Practices Liability Insurance Compared

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

Criteria	Corgi Employment Practices Liability (EPLI)	Coverdash Employment Practices Liability Insurance
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. ¹Company-reported. Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy.	Coverdash markets EPLI to any business with employees, saying the coverage becomes relevant as soon as a business starts hiring. ³Company-reported. Who it's for section; a general target-market statement, not a jurisdiction- or industry-specific eligibility rule.
How to Apply	You can request an EPLI quote online through Corgi's self-serve application. ¹Company-reported. Product page quote call to action.	You request an EPLI quote through a 'Get a quote' flow on the product page; the page does not describe any additional line-specific application steps beyond Coverdash's general online quoting process. ³Company-reported. EPLI product page calls to action, read together with the provider record's general application facts.
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. ¹Company-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. ¹Company-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. ¹Company-reported. Policy notes and Available Add-ons section for form CORG-EPL-0100; endorsement required and availability may vary by jurisdiction and underwriting.	Coverdash describes the EPLI policy as covering wrongful-termination, discrimination and harassment claims, plus retaliation and failure-to-promote claims and the cost of legal defense. ³Company-reported. Types of Coverage cards on the product page; exclusions, defense-cost structure and per-claim conditions are not described and would appear on the issued policy. Coverdash says EPLI is often bundled into a management liability policy alongside D&O and fiduciary coverage, but it can also be bought on its own. ³Company-reported. EPLI FAQ answer to 'Is EPLI part of management 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. ¹Company-reported. Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself.	Coverdash arranges employment practices liability (EPLI) quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its EPLI page and it places coverage on your behalf. ³Company-reported. Coverdash's EPLI product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote.