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

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

## Agent Guide

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

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

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

# 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 with illustrative $1 million / $2 million limits, while Cowbell's Zurich EPL module is only reachable through appointed wholesalers.

## Corgi vs Cowbell Employment Practices Liability Insurance Summary

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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [4](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")

## 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Get actual limits from Cowbell, confirm Corgi's illustrative figures on your quote, and ask Corgi which insurer underwrites it. [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [2](https://www.corgi.insure/disclaimers "Disclaimers")
- Ask both about wage-and-hour defense; Corgi sells it as a defense-only endorsement. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

## Corgi vs Cowbell Employment Practices Liability Insurance Compared

| 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. [1](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..) | 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. [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: 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. [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [1](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. [1](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. [1](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..) | Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the difference between management liability and D&O?'..)<br><br>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. [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [1](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..) | 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [4](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: 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. [2](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..) | 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [4](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Management liability page intro; Zurich page intro and footer..) |

## About Corgi and Cowbell and Employment Practices Liability Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Corgi vs Cowbell Employment Practices Liability

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

## Sources for Corgi vs Cowbell Employment Practices Liability Insurance

### Sources About Corgi

1. [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.
2. [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.

### Sources About Cowbell

3. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; FAQ 'What is the difference between management liability and D&O?' (EPL definition); FAQ 'What is the most common management liability claim?' (EPL claim types); Target industries list. Accessed 2026-09-23.
4. [Small and Midsize Business Management Liability | Zurich Select Plus](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Employment Practices and Third-Party Discrimination Liability'; FAQ 'What is the difference between management liability and D&O?' and 'What is the most common management liability claim?' (identical to Cowbell's page); Targeted industries list; footer copyright. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-cowbell/employment-practices.md)
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- [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)