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

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

## Agent Guide

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

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Corgi and Gallagher.
- 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 Gallagher](https://spot.insure/compare/corgi-vs-gallagher) — 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
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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 sells startups EPLI online with published $1 million / $2 million sample limits but excludes wage-and-hour, while Gallagher brokers EPL and sizes limits from wage-and-hour and EPL loss data.

## Corgi vs Gallagher Employment Practices Liability Insurance Summary

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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [2](https://www.corgi.insure/disclaimers "Disclaimers")

## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Corgi whether the defense-only wage-and-hour endorsement is attached to your quote. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Hold Gallagher’s recommended limit against Corgi’s $1 million / $2 million sample. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Ask Gallagher which insurer issues the policy and whether class actions are covered in writing. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## Corgi vs Gallagher Employment Practices Liability Insurance Compared

| 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. [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..) | 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [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..) | Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |

## About Corgi and Gallagher and Employment Practices Liability Insurance

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

## Related Pages for Corgi vs Gallagher Employment Practices Liability

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

## Sources for Corgi vs Gallagher

### 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 Gallagher

3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. 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.

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