Corgi vs 
Founder Shield: How Do They Compare for Employment Practices Liability Insurance?
Corgi sells EPLI as a standalone startup policy and bundles it in some plans, with a standard wage-and-hour exclusion. Founder Shield markets EPLI to startups hiring their first employees and says it may be standalone or packaged with D&O.
Corgi lets startups quote EPLI online and read the terms first, including a $1 million/$2 million sample limit and a wage-and-hour exclusion. Founder Shield is a broker that shops A- or better insurers for retail, hospitality, professional-services and nonprofit employers. 1,4,3
What Are the Key Differences Between Corgi and Founder Shield Employment Practices Liability Insurance?
Buy Online With Published Terms vs a Broker Matched to Your Industry
You request a Corgi quote online, and it sells EPLI standalone or inside its Series A, Growth Stage and Custom startup packages. Founder Shield is a broker: you start on its website or with an advisor, and its team approaches insurers rated A- or better by AM Best, chosen for your industry. Choose Corgi if you're a venture-backed startup that wants a fast online quote; choose Founder Shield if you run high-turnover retail or hospitality, a professional-services firm or a nonprofit with volunteers. 1 4 5 3
Corgi's Terms Show Real Gaps; Founder Shield's Aren't Published
Corgi publishes its form: two insuring agreements, wage-and-hour excluded except for a defense-cost endorsement, contractors excluded by default, a $1 million / $2 million illustrative limit and claims limited to the U.S. and Canada. That lets you spot gaps before you buy. Founder Shield lists defense, settlements and judgments for termination, discrimination, harassment and retaliation, and notes EPLI is sometimes paired with D&O, but publishes no limits. 1 3
What Should You Confirm in Corgi and Founder Shield Employment Practices Liability Insurance Quotes?
- Ask Founder Shield which insurer would issue the policy and whether it's paired with D&O. 5 3
- Ask Corgi which company underwrites your quote (Corgi Insurance Company or Technology Risk Retention Group) and which endorsements are attached. 2 1
- Compare Founder Shield's limits and retention with Corgi's $1 million / $2 million and $25,000 retention. 3 1
- If you have volunteers, contractors or high-turnover staff, ask how each form treats them. 3 1
Corgi vs Founder Shield Employment Practices Liability Compared
Corgi vs Founder Shield: Employment Practices Liability Insurance: documented features by provider
| Criteria | Corgi Employment Practices Liability (EPLI) | Founder Shield 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. | Founder Shield markets EPLI to startups hiring their first employees, retail and hospitality businesses with high turnover, professional-services firms, technology companies, and non-profits with volunteers. 3Company-reported. EPLI product page. |
| 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 Founder Shield Employment Practices Liability Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. 4,5Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form. |
| 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. | Founder Shield lists defense costs, settlements and judgments, and claims of wrongful termination, discrimination, harassment and retaliation as what EPLI responds to. 3Company-reported. Product page; the issued policy and declarations control actual coverage. |
| 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. | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Employment Practices Liability Insurance with third-party carriers rather than underwriting the policy itself. 4Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line. Founder Shield says EPLI is often purchased standalone but is sometimes packaged with Directors & Officers coverage, since employee-related suits frequently name corporate officers personally. 3Company-reported. EPLI product page. |
| 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. | Founder Shield says it places policies, including Founder Shield Employment Practices Liability Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. 5Company-reported. General carrier-selection FAQ, not specific to this line's placements. |
