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

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

## Agent Guide

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

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

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

# 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 sells startup EPLI online but excludes wage-and-hour claims beyond defense costs, while Lockton is a broker that places standalone wage-and-hour cover alongside broader EPL programs.

## Corgi vs Lockton Employment Practices Liability Insurance Summary

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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask Corgi whether the defense-only wage-and-hour endorsement is on your quote. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Ask Lockton whether punitive-damages and immigration cover are on the quoted form; Corgi doesn't describe either. [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Ask Lockton which insurer it will use, and ask Corgi which of its named insurers will issue your policy. [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.corgi.insure/disclaimers "Disclaimers")

## Corgi vs Lockton Employment Practices Liability Insurance Compared

| 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. [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..) | 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. [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [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..) | Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: EPL product page as read 2026-09-23..) |

## About Corgi and Lockton and Employment Practices Liability Insurance

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

## Related Pages for Corgi vs Lockton Employment Practices Liability

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

## Sources for Corgi vs Lockton Employment Practices Liability Insurance

### 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 Lockton

3. [Employment practices liability (EPL) insurance](https://global.lockton.com/us/en/products-services/employment-practices-liability). Lockton; What is EPL insurance?; Who should purchase EPL insurance?; What can I expect in a typical EPL insurance policy?; What is Wage and Hour coverage?; Claims management. 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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