Corgi vs 
Heffernan Insurance Brokers: How Do They Compare for Employment Practices Liability Insurance?
Corgi sells standalone startup EPLI with a standard wage-and-hour exclusion. Heffernan Insurance Brokers shops and places EPL for a range of business types and an older advisor article describes wage-and-hour limits within the policy.
Corgi lets a startup buy EPLI online, but its policy excludes wage-and-hour claims except defense costs; Heffernan is a broker for general businesses, home-care agencies and family offices, and its guidance pushes for wage-and-hour, hammer-clause and immigration add-ons. 1,7
What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Employment Practices Liability Insurance?
Online Startup Policy vs Broker for Home-Care and Family Offices
Corgi sells EPLI as a startup policy you can buy online. Heffernan is a broker that places EPL for general business clients and lists it in its home-care and family-office practices. Choose Corgi if you are a startup that wants a fast online policy; choose Heffernan if you run a home-care agency, family office or other business that wants a broker to shape the cover. 1 3 4 5
Wage-and-Hour Is Corgi's Weak Spot
Corgi's standard form excludes wage-and-hour claims. Its endorsement pays defense costs only, not settlements or judgments, so a misclassification or overtime suit could leave the settlement on you. Heffernan's 2016 article tells buyers to request wage-and-hour coverage and cites sublimits then typically at $100,000 to $250,000. If you pay hourly workers, press either route for the actual wage-and-hour terms. 1 7
What Should You Confirm in Corgi and Heffernan Insurance Brokers Employment Practices Liability Insurance Quotes?
- Ask Heffernan for current wage-and-hour sublimits, hammer-clause wording and immigration endorsements. 7
- Ask Corgi whether wage-and-hour on your quote is defense-only and whether contractor claims can be added. 1
- Corgi shows an illustrative $1 million / $2 million limit; ask Heffernan what limit its placement offers. 3 1
- Ask Heffernan who handles an EPL claim; its claims-advocacy page does not list employment matters. 6
Corgi vs Heffernan Insurance Brokers Employment Practices Liability Compared
Corgi vs Heffernan Insurance Brokers: Employment Practices Liability Insurance: documented features by provider
| Criteria | Corgi Employment Practices Liability (EPLI) | Heffernan Employment Practices Liability Insurance |
|---|---|---|
| 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. 1Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. | The same 2016 article says wage-and-hour EPL sublimits were then commonly $100,000, with some carriers offering $150,000 to $250,000 for additional premium. 7Company-reported. Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today. |
| 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. | EPL appears in three separate parts of Heffernan's site: the general business-insurance page, the home-care agency practice, and the family-office/financial-firm practice, indicating it is offered to a range of business types rather than one narrow niche. 3,4,5Company-reported. Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically. |
| 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. | In a 2016 article, Heffernan advisor Tanner Fornesi says EPL policies are modular and recommends buyers specifically request wage-and-hour coverage, a 100% hammer clause (so the insurer, not the policyholder, bears settlement costs above an offer the policyholder declines), and an immigration claim endorsement. 7Company-reported. 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms. |
| 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. | Heffernan places employment practices liability (EPL) coverage as part of its corporate and executive-protection lineup within its general business-insurance brokerage. It shops and places the policy with insurers rather than underwriting it. 3Company-reported. Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found. |
