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

Corgi sells standalone startup EPLI with a standard exclusion for wage-and-hour claims. Embroker offers standalone EPLI online, says most businesses with employees may qualify, and includes free access to independently managed HR services.

Embroker is the better fit if wage-and-hour claims worry you: it covers settlements and judgments, while Corgi pays only defense costs. Corgi suits funded startups buying EPLI in a package, and covers harassment claims from customers and vendors, though contractors need an endorsement. ^3,¹

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

Wage-and-Hour Settlements vs Defense Only

Corgi's standard policy excludes wage-and-hour claims, with an optional endorsement that pays defense costs only. Embroker lists defense, settlements and judgments for wage-and-hour disputes, but excludes back wages you owe. With Corgi, you'd pay any wage-and-hour settlement yourself. Choose Embroker if you have hourly staff or overtime exposure; choose Corgi if you're a funded startup buying EPLI in a Series A or Growth Stage package and wage-and-hour risk is low. ¹ ³

Third Parties and Contractors

Corgi's Agreement B covers harassment or discrimination claims from third parties during a business interaction. Independent contractors fall outside its default Employee definition unless you add an endorsement. Embroker doesn't describe a third-party agreement or contractor endorsement. ¹ ³

Who Qualifies

Embroker wants an anti-discrimination policy and a regularly revised handbook; a business with no employees or a recent EPL lawsuit is a poor fit. Corgi sells EPLI to startups standalone or in Series A, Growth Stage and Custom packages, without those handbook screens. ³ ¹

Limits

Corgi publishes illustrative limits of $1 million per claim and $2 million aggregate with a $25,000 retention. Embroker doesn't publish a standalone limit, and says its BOP endorsement carries lower limits than a standalone policy. ¹ ³

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

Ask Embroker how wage-and-hour cover works alongside the back-wages exclusion. ³
Ask Corgi whether the wage-and-hour defense endorsement and contractor endorsement are attached. ¹
Ask Embroker whether you're quoted standalone, with D&O or as a BOP endorsement, and compare with Corgi's package or standalone form. ³ ¹
Ask both for the retroactive date; Corgi doesn't publish one. ³ ¹

Corgi vs Embroker Employment Practices Liability Insurance Compared

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

Criteria	Corgi Employment Practices Liability (EPLI)	Embroker 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.	Embroker says most businesses with employees qualify, but a business needs an in-depth anti-discrimination policy and a regularly revised employee handbook to be a good underwriting candidate; a business with no employees or a recent prior EPL lawsuit is described as a poor candidate. ³Company-reported. Product-page 'What are the eligibility requirements?' section; not a guarantee of coverage for a particular business.
How to Apply	You can request an EPLI quote online through Corgi's self-serve application. ¹Company-reported. Product page quote call to action.	Embroker offers an online quote for EPLI through its digital platform. ³Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.
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.	Embroker lists coverage for legal defense costs, settlements and judgments tied to poor employment practices, retaliation claims, wrongful demotion or discipline, and wage-and-hour disputes. ³Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes criminal and civil fines or punitive damages, back wages owed, employee bodily injuries, and claims related to unemployment benefits or workers' compensation. ³Company-reported. Product-page What's not included section. Embroker says most of its EPLI policies are written on a claims-made basis, meaning coverage responds based on when a claim is made and reported relative to the policy's retroactive date, not when the underlying incident occurred. ³Company-reported. Product-page 'What are claims-made vs. occurrence policies?' section.
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.	Embroker sells EPLI as a standalone policy and says it is often combined with D&O insurance into a management liability program, or added as a BOP endorsement for smaller businesses (with lower limits than a standalone policy). ³Company-reported. Product-page description; not a statement about the issuing insurer.