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

Corgi sells standalone startup EPLI with a standard wage-and-hour exclusion. HUB International brokers EPL through its ProEx team, provides support from a legal-risk claims group, and flags 2026 pay-transparency laws as an emerging exposure.

Corgi sells startups EPLI online with its terms published: $1 million per claim, $2 million aggregate and a $25,000 retention. HUB brokers EPL through a specialist, publishes no terms, and gives you an attorney-staffed group for claims. ^1,³

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

Published Startup Policy vs a Broker for Larger Firms

Corgi publishes its startup EPLI terms: Agreement A covers employee and applicant claims, Agreement B covers third-party harassment or discrimination during business dealings, and endorsements add wage-and-hour and contractor cover. HUB brokers EPL inside ProEx, its executive-risk practice, and its page describes no coverage terms; its FAQ talks about large organizations. You quote Corgi online; HUB sends you to a ProEx specialist. Choose Corgi if you're a startup that wants to see terms and buy quickly; choose HUB if you're a larger company that wants a broker to shop EPL with your D&O. ¹ ³

Limits You Can See

Corgi shows $1 million per claim and $2 million aggregate with a $25,000 retention, for claims in the US or Canada. HUB publishes no limits. ³ ¹

Who Helps With a Claim

HUB's Claims & Legal Risks Group is attorneys who specialize in its executive-risk coverages, including EPL, from wording review before a claim through recovery. Corgi's EPLI page doesn't describe claims help, so ask who handles your claim. HUB also flags 2026 pay-transparency laws as a new EPL risk. ³ ¹

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

Ask HUB which insurer would issue EPL and how pay-transparency claims are treated. ³
Ask Corgi which endorsements are on the quote and which insurer underwrites it. ¹ ²
Get HUB's quoted limit and retention and compare them with Corgi's $1 million / $2 million and $25,000. ³ ¹
Ask HUB what its claims attorneys do before a claim is filed. ³

Corgi vs HUB International Employment Practices Liability Compared

Corgi vs HUB International: Employment Practices Liability Insurance: documented features by provider

Criteria	Corgi Employment Practices Liability (EPLI)	HUB International Employment Practices Liability Insurance Brokerage
How to Apply	You can request an EPLI quote online through Corgi's self-serve application. ¹Company-reported. Product page quote call to action.	HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ³Company-reported. ProEx page call to action.
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.	HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. ³Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.
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.	HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ³Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.

Criteria

Corgi Employment Practices Liability (EPLI)

HUB International Employment Practices Liability Insurance Brokerage

How to Apply

You can request an EPLI quote online through Corgi's self-serve application. ¹Company-reported. Product page quote call to action.

HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ³Company-reported. ProEx page call to action.

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.

HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. ³Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.

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.

HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ³Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.