Corgi vs 
Lockton: How Do They Compare for Employment Practices Liability Insurance?
Corgi sells standalone startup EPLI with a standard wage-and-hour exclusion. Lockton designs EPL programs for organizations that hire people and says typical policies cover legal defense costs and damages.
Corgi lets startups buy EPLI online, but its policy excludes wage-and-hour claims apart from a defense-costs endorsement; Lockton is a broker whose typical EPL placements add third-party and immigration claims, with standalone wage-and-hour cover available. 1,3
What Are the Key Differences Between Corgi and Lockton Employment Practices Liability Insurance?
Online Startup Policy vs Broker-Built Program
Corgi quotes EPLI online, so you can apply without a broker. Its standard policy excludes wage-and-hour claims, including FLSA misclassification and overtime, and its endorsement pays defense costs only, so it won't pay a wage-and-hour settlement. Lockton is a broker that designs EPL programs and places standalone wage-and-hour cover for misclassification and unpaid overtime, because EPL usually excludes those claims. Choose Corgi if you're a startup that wants to buy EPLI online quickly; choose Lockton if you have hourly or misclassification-prone staff and need wage-and-hour settlements covered. 1 3
Similar Third-Party Cover, Different Certainty
Corgi's Agreement B covers harassment or discrimination claims from non-employees during a business interaction, and you can read that wording before you buy. Lockton says a typical placed policy covers third-party discrimination or harassment, but that's a description of what it usually gets, not a form, so check it appears on your quote. 3 1
What Should You Confirm in Corgi and Lockton Employment Practices Liability Insurance Quotes?
- Ask Lockton what its standalone wage-and-hour policy pays beyond defense. 3
- Ask Corgi whether the defense-only wage-and-hour endorsement is on your quote. 1
- Ask Lockton whether punitive-damages and immigration cover are on the quoted form; Corgi doesn't describe either. 3 1
- Ask Lockton which insurer it will use, and ask Corgi which of its named insurers will issue your policy. 3 2
Corgi vs Lockton Employment Practices Liability Insurance Compared
Corgi vs Lockton: Employment Practices Liability Insurance: documented features by provider
| Criteria | Corgi Employment Practices Liability (EPLI) | Lockton Employment Practices Liability (EPL) Insurance Brokerage |
|---|---|---|
| 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. | Lockton says any organization that engages people for hire, regardless of size, industry, location, union participation or use of independent contractors, faces employment-related risk and should consider EPL insurance. 3Company-reported. EPL product page as read 2026-09-23. |
| 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. | Lockton says a typical EPL policy it places covers legal defense costs for employee claims and official employment investigations, third-party discrimination or harassment claims from non-employees, punitive damages where insurable, and immigration-related employment claims. It separately offers standalone wage-and-hour coverage for claims like misclassification and unpaid overtime, since wage-and-hour claims are typically excluded from EPL policies. 3Company-reported. EPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client. |
| 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. | Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. 3Company-reported. EPL product page as read 2026-09-23. |
