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

Corgi sells standalone startup EPLI with a standard wage-and-hour exclusion. Gallagher places EPL with outside carriers and says its exposure modeling accounts for employee count, industry and other workforce factors.

Corgi lets startups buy EPLI online with sample $1 million / $2 million limits and a $25,000 retention, but excludes wage-and-hour claims except for defense costs; Gallagher is a broker that sizes your limit from EPL and wage-and-hour loss databases dating to 1997. ^1,³

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

Buy Online With Sample Terms vs Broker-Built Limits

Corgi sells EPLI online as a startup policy and publishes sample terms: $1 million per claim, $2 million aggregate, a $25,000 retention, defense inside the limit, and US/Canada claims. Gallagher’s Executive and Financial Risk practice places EPL with outside insurers and recommends a limit from your employee count, mix and locations, benchmarked against its loss data; it publishes no limits. Choose Corgi if you are a startup that wants to buy online and see terms first; choose Gallagher if you have a larger or multi-state workforce and want a broker to size and shop the policy. ¹ ³

Wage-and-Hour Excluded vs Tracked in Loss Data

Corgi’s standard policy excludes wage-and-hour claims, including FLSA misclassification and overtime, with an endorsement that pays defense costs only. Gallagher keeps a wage-and-hour loss database alongside its EPL data, so it treats the risk as part of placement, but it doesn’t say every policy it places covers it. If you have hourly staff or contractors, Corgi leaves settlements uncovered and Gallagher needs to tell you how it would fill the gap. ¹ ³

Class-Action Benchmarks vs Startup-Size Limits

Gallagher benchmarks against historical losses above $1 million and covers class actions as well as single-plaintiff claims such as harassment and wrongful termination. Corgi’s $1 million per-claim sample, with defense costs eating into it, suits a small team more than an employer facing class-action risk. ³ ¹ ²

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

Ask Gallagher whether wage-and-hour is on the EPL policy or a separate one, and what it pays. ³
Ask Corgi whether the defense-only wage-and-hour endorsement is attached to your quote. ¹
Hold Gallagher’s recommended limit against Corgi’s $1 million / $2 million sample. ³ ¹
Ask Gallagher which insurer issues the policy and whether class actions are covered in writing. ³

Corgi vs Gallagher Employment Practices Liability Insurance Compared

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

Criteria	Corgi Employment Practices Liability (EPLI)	Gallagher Employment Practices Liability (EPL) 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.	Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ³Company-reported. Group-level executive-and-financial-risk practice page.
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.	Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ³Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.
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.	Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ³Company-reported. Group-level executive-and-financial-risk practice page.

Criteria

Corgi Employment Practices Liability (EPLI)

Gallagher Employment Practices Liability (EPL) 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.

Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ³Company-reported. Group-level executive-and-financial-risk practice page.

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.

Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ³Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

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.

Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ³Company-reported. Group-level executive-and-financial-risk practice page.