Corgi vs 
Cowbell: How Do They Compare for Employment Practices Liability Insurance?
Corgi sells standalone startup EPLI, while Cowbell distributes a Zurich-written EPL module to private companies under 250 employees. Cowbell's module is accessed through firms Zurich appoints to distribute the module.
Corgi lets startups apply for EPLI online and shows illustrative $1 million per claim and $2 million aggregate limits. You can't buy Cowbell's Zurich-backed EPL module yourself; appointed wholesalers place it for private firms under 250 employees and $50 million in assets. 1,3
What Are the Key Differences Between Corgi and Cowbell Employment Practices Liability Insurance?
Self-Serve Online Application vs Wholesaler-Only Access
You can request a Corgi EPLI quote yourself through its online application. Cowbell's EPL module isn't sold to businesses; only appointed Zurich wholesalers can reach it through Cowbell's platform, so your broker has to go through one. Choose Corgi if you're a startup that wants to apply today; Cowbell is only worth asking your broker about if you're an established private company under its caps. 1 3
Startup Packages vs Established Retail, Hospitality and Manufacturing Firms
Corgi sells EPLI as a startup policy, standalone or inside its Series A, Growth Stage and Custom packages. Cowbell targets private companies under 250 employees and $50 million in assets, including retail, hospitality and manufacturing. A funded tech startup fits Corgi; a restaurant group or small manufacturer fits Cowbell. 1 3
Published Limits vs None, Both With Third-Party Cover
Corgi shows illustrative limits of $1 million per claim and $2 million aggregate with a $25,000 retention, and its standard EPLI covers harassment or discrimination by your employee against a third party. Cowbell's Zurich module is named Employment Practices and Third-Party Discrimination Liability but publishes no limit or retention. Both address customer claims; only Corgi lets you budget before quoting. 1 3 4
What Should You Confirm in Corgi and Cowbell Employment Practices Liability Insurance Quotes?
- Ask your broker whether it can reach Cowbell through a Zurich wholesaler; otherwise Corgi's online application is your direct route. 3 1
- Check your headcount and assets against Cowbell's caps, and your claim locations against Corgi's territory (United States, its territories, Puerto Rico or Canada). 3 1
- Get actual limits from Cowbell, confirm Corgi's illustrative figures on your quote, and ask Corgi which insurer underwrites it. 3 1 2
- Ask both about wage-and-hour defense; Corgi sells it as a defense-only endorsement. 1 3
Corgi vs Cowbell Employment Practices Liability Insurance Compared
Corgi vs Cowbell: Employment Practices Liability Insurance: documented features by provider
| Criteria | Corgi Employment Practices Liability (EPLI) | Cowbell / Zurich Select Plus Employment Practices Liability |
|---|---|---|
| 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. | Cowbell targets this EPL module at private companies with under 250 employees and under $50M in assets, across industries such as retail, hospitality, and manufacturing. 3Company-reported. FAQ 'What size accounts are targeted?' and Target industries list. |
| How to Apply | You can request an EPLI quote online through Corgi's self-serve application. 1Company-reported. Product page quote call to action. | This EPL module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. 3Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'. |
| 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. | Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. 3Company-reported. FAQ 'What is the difference between management liability and D&O?'. Cowbell says EPL claims are the most common type of management liability claim overall, most frequently alleging discrimination, wrongful termination, harassment, or retaliation for a legally protected activity such as filing a complaint or whistleblowing. 3Company-reported. FAQ 'What is the most common management liability claim?'. |
| 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. | Employment practices liability (EPL) is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites. Zurich's own page names this module 'Employment Practices and Third-Party Discrimination Liability,' broader than the plain 'EPL' shorthand Cowbell's FAQ uses. 3,4Company-reported. Management liability page intro and module list; Zurich page module-name section. |
| 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. 2Company-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. | Cowbell and Zurich both say the Select Plus modules, including EPL, are written on Zurich admitted paper. Zurich's site footer names 'Zurich American Insurance Company' in its copyright notice, but neither page states that entity is the specific policy issuer for this EPL module. 3,4Company-reported. Management liability page intro; Zurich page intro and footer. |
