---
title: "Corgi vs Embroker Employment Practices Liability Insurance"
description: "Corgi excludes wage-and-hour from its base EPLI form; Embroker lists wage-and-hour disputes as covered while excluding back wages owed."
canonical: "https://spot.insure/compare/corgi-vs-embroker/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Corgi vs Embroker Employment Practices Liability Insurance

Corgi excludes wage-and-hour from its base EPLI form; Embroker lists wage-and-hour disputes as covered while excluding back wages owed.

## Research Scope and Use

Use this comparison to evaluate Corgi and Embroker 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’s standard EPLI excludes wage-and-hour except a defense-costs endorsement and excludes independent contractors by default. Embroker lists wage-and-hour disputes among covered claims, excludes back wages and punitive damages, and includes Excelerator HR services. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined")

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific 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 Embroker?

Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. [7](https://www.embroker.com/ "Embroker") [8](https://www.embroker.com/terms/ "Terms And Conditions") [9](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Wage-and-Hour

Corgi’s standard policy excludes wage-and-hour claims, with a defense-costs-only endorsement available. Embroker lists wage-and-hour disputes among covered items, including defense, settlements and judgments, and separately excludes back wages owed. Those are not the same wage-and-hour grant. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined")

### Third Parties and Contractors

Corgi’s Agreement B covers third-party harassment or discrimination during a business interaction, and independent contractors are outside the default Employee definition unless endorsed. Embroker’s coverage list does not describe a third-party agreement or a contractor endorsement. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined")

### Eligibility Screens

Embroker says a good candidate needs an anti-discrimination policy and a regularly revised handbook; a business with no employees or a recent prior EPL lawsuit is a poor candidate. Corgi sells EPLI as a startup policy, standalone or in Series A, Growth Stage and Custom packages, without those handbook screens in the offering record. [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined") [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

### Limits

Corgi publishes illustrative $1 million per claim and $2 million aggregate limits with a $25,000 retention. Embroker’s reviewed sources do not publish a standalone numeric limit; they note a BOP endorsement carries lower limits than a standalone policy. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask Embroker how wage-and-hour disputes interact with the back-wages exclusion. [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined")
- Ask Corgi whether the defense-only wage-and-hour endorsement and contractor endorsement are attached. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Confirm Embroker packaging (standalone, D&O combo, or BOP) versus Corgi’s package or standalone form. [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined") [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Ask Embroker for the claims-made retroactive date. Corgi’s reviewed sources describe geography for claims made and pursued, not a retroactive date. [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined") [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## Offering Details

| Criteria | Corgi Employment Practices Liability (EPLI) | Embroker Employment Practices Liability Insurance |
| --- | --- | --- |
| 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..) | 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). [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | 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. [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined") (Evidence: Company-reported; scope: Product-page 'What are the eligibility requirements?' section; not a guarantee of coverage for a particular business..) |
| 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..) | 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. [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>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. [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined") (Evidence: Company-reported; scope: Product-page What's not included section..)<br><br>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. [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined") (Evidence: Company-reported; scope: Product-page 'What are claims-made vs. occurrence policies?' section..) |
| 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..) | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | Embroker says EPLI buyers get free access to HR services managed independently by Excelerator, including an HR portal, employee handbook review, an HR helpline and compliance training. [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined") (Evidence: Company-reported; scope: Product-page 'Free access to valuable HR consulting services with Excelerator' section; a third party administers these services..) |
| 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..) | Embroker offers an online quote for EPLI through its digital platform. [10](https://www.embroker.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance (EPLI) Coverage Defined") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature description; no quote was requested during this research..) |

## Full Comparison

- [Corgi vs Embroker](https://spot.insure/compare/corgi-vs-embroker): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Corgi vs Embroker Business Owner’s Policy](https://spot.insure/compare/corgi-vs-embroker/business-owners-policy)
- [Corgi vs Embroker Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-embroker/commercial-auto)
- [Corgi vs Embroker Crime Insurance](https://spot.insure/compare/corgi-vs-embroker/crime)
- [Corgi vs Embroker Cyber Insurance](https://spot.insure/compare/corgi-vs-embroker/cyber)
- [Corgi vs Embroker D&O Insurance](https://spot.insure/compare/corgi-vs-embroker/directors-officers)
- [Corgi vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-embroker/fiduciary)
- [Corgi vs Embroker General Liability Insurance](https://spot.insure/compare/corgi-vs-embroker/general-liability)
- [Corgi vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-embroker/professional-errors-omissions)
- [Corgi vs Embroker Tech E&O Insurance](https://spot.insure/compare/corgi-vs-embroker/technology-errors-omissions)
- [Corgi vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-embroker/workers-compensation)
- [Alliance Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices)
- [Alliance Risk vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/employment-practices)
- [Amelia Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/employment-practices)
- [Amelia Risk vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/employment-practices)
- [Beazley vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/employment-practices)
- [Beazley vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-embroker/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.

### Embroker

7. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
8. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
9. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
10. [Employment Practices Liability Insurance (EPLI) Coverage Defined](https://www.embroker.com/coverage/employment-practices-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Employment Practices Liability insurance?; What's covered; What's not included; Free access to valuable HR consulting services with Excelerator; What are the eligibility requirements?; What are claims-made vs. occurrence policies?. Accessed 2026-09-23.

### 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.

Updated 2026-09-23. 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.

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