---
title: "Corgi vs Heffernan Insurance Brokers Employment Practices Liability Insurance"
description: "Corgi’s wage-and-hour endorsement pays defense only; Heffernan’s 2016 article cites $100,000–$250,000 wage-and-hour sublimits."
canonical: "https://spot.insure/compare/corgi-vs-heffernan/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Corgi vs Heffernan Insurance Brokers Employment Practices Liability Insurance

Corgi’s wage-and-hour endorsement pays defense only; Heffernan’s 2016 article cites $100,000–$250,000 wage-and-hour sublimits.

## Research Scope and Use

Use this comparison to evaluate Corgi and Heffernan Insurance Brokers 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 sells startup EPLI online with wage-and-hour excluded except a defense-costs endorsement. Heffernan brokers EPL for general business, home-care and family-office clients and, in 2016, recommended wage-and-hour coverage, a 100% hammer clause and an immigration endorsement. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [13](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

## 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 Heffernan Insurance Brokers?

Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. [7](https://www.heffins.com/about-us/our-story/ "Our Story") [8](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [14](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 form excludes wage-and-hour. The endorsement it sells covers defense costs only, not settlements or judgments, so a misclassification suit could still leave settlement dollars with you. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [13](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

### Intended Clients

Corgi sells EPLI as a startup policy. Heffernan places EPL for general business clients and also lists it in home-care and family-office practices. A home-care agency or family office is in Heffernan’s stated EPL lineup; it is not in Corgi’s startup framing. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [10](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [11](https://www.heffins.com/family-office/ "Family Office")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask Heffernan for current wage-and-hour sublimits, hammer-clause wording and immigration endorsements. [13](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")
- Ask Corgi whether wage-and-hour on the quote is defense-only and whether contractors are endorsed. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Compare Heffernan’s unpublished EPL limits with Corgi’s illustrative $1 million / $2 million structure. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Ask Heffernan who handles an EPL claim; its published claims-advocacy list does not include employment matters. [12](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy")

## Offering Details

| Criteria | Corgi Employment Practices Liability (EPLI) | Heffernan 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..) | 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. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found..) |
| 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..) | The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: Business Insurance Brokerage page as read on 2026-09-23..) |
| 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..) | 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. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [10](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [11](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: 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. [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..) | 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. [13](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") (Evidence: Company-reported; scope: 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms..) |
| 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..) | 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. [13](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") (Evidence: Company-reported; scope: Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today..) |
| 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..) | The reviewed pages describe no EPL-specific application or online quote process; buyers reach the coverage through Heffernan's general business-insurance brokerage contact route. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not found in reviewed sources; scope: Business Insurance Brokerage page as read on 2026-09-23..) |
| Claims Support | Not described in the reviewed sources. | Heffernan's published claims-advocacy services cover workers' compensation, general liability, auto, and property claims; the page does not list employment-related claims handling as part of that service. [12](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Not found in reviewed sources; scope: Claims Advocacy page as read on 2026-09-23; does not establish that EPL claims receive no support, only that this page does not describe it..) |

## Full Comparison

- [Corgi vs Heffernan Insurance Brokers](https://spot.insure/compare/corgi-vs-heffernan): 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 Heffernan Insurance Brokers Business Owner’s Policy](https://spot.insure/compare/corgi-vs-heffernan/business-owners-policy)
- [Corgi vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-heffernan/cargo-transit)
- [Corgi vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-heffernan/commercial-auto)
- [Corgi vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/corgi-vs-heffernan/crime)
- [Corgi vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/corgi-vs-heffernan/cyber)
- [Corgi vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-heffernan/fiduciary)
- [Corgi vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/corgi-vs-heffernan/general-liability)
- [Corgi vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-heffernan/hired-non-owned-auto)
- [Corgi vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-heffernan/medical-malpractice)
- [Corgi vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-heffernan/professional-errors-omissions)
- [Corgi vs Heffernan Insurance Brokers Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-heffernan/representations-warranties)
- [Corgi vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-heffernan/workers-compensation)
- [Alliance Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices)
- [Alliance Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/employment-practices)
- [Amelia Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/employment-practices)
- [Amelia Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/employment-practices)
- [Beazley vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/employment-practices)
- [Beazley vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-heffernan/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.

### Heffernan Insurance Brokers

7. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
8. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
9. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23.
10. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for: Workers' Compensation Insurance, General and Professional Liability, Employment Practice Liability, Business/Owned Auto, Non-owned and Hired Auto, and more. Accessed 2026-09-23.
11. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: Family office liability, D&O, Professional liability, Employment practices liability insurance, Workers' compensation, Employee benefits, Trustee liability, Property and auto, Fiduciary liability, Fidelity/financial institution bond, Cyber, Crime, General liability, Excess liability. Accessed 2026-09-23.
12. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23.
13. [Employment Practices Liability 101: What You Need to Know](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/). Heffernan Insurance Brokers; May 18, 2016 article by Tanner Fornesi, Assistant Vice President, Heffernan Insurance Brokers; Wage and Hour coverage, 100% Hammer Clause, Immigration Claim Endorsement. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

14. [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 2026-09-24. 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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