Corgi vs 
Marsh: How Do They Compare for Employment Practices Liability Insurance?
Corgi sells standalone startup EPLI with a standard wage-and-hour exclusion. Marsh places EPL for employers of all sizes and names Global Leader and Workplace Harassment Liability policy add-ons.
Startups can buy Corgi’s EPL online, with illustrative limits of $1 million per claim and a $25,000 retention. Marsh is a broker for larger employers, with Leaders Preferred for 250 to 4,000 employees and Global Leaders above 4,000. 1,3
What Are the Key Differences Between Corgi and Marsh Employment Practices Liability Insurance?
Online Startup Policy vs Broker Programs From 250 Employees
Corgi quotes EPLI online as a standalone startup policy or inside Series A, Growth Stage and Custom packages. Marsh places EPLI through its financial and professional liability practice, or through Marsh McLennan Agency (MMA) for middle-market clients, with its own endorsements: Leaders Preferred for 250 to 4,000 employees and Global Leaders above 4,000. Choose Corgi if you are a venture-backed startup that wants to buy online; choose Marsh if you have 250 or more employees and want a broker. 1 3 4
Two Fixed Agreements vs a Broader Allegation List
Corgi’s Agreement A covers employee and applicant claims of discrimination, harassment, retaliation or wrongful termination; Agreement B covers customer or vendor harassment or discrimination claims. Marsh’s list adds failure to employ or promote, negligent evaluation and civil-rights violations. If a passed-over promotion or bad performance review could spark a claim, ask Corgi whether its form responds. 3 1
What Should You Confirm in Corgi and Marsh Employment Practices Liability Insurance Quotes?
- Ask Marsh which endorsement applies at your headcount and which insurer issues the policy. 3
- Ask Corgi whether you are quoted standalone or in a package, and which endorsements are attached. 1
- Get Marsh’s limits in writing; Corgi illustrates $1 million per claim, $2 million aggregate and a $25,000 retention. 3 1
- Ask Marsh whether failure-to-promote and negligent-evaluation claims are covered on the issued form. 3
Corgi vs Marsh Employment Practices Liability Insurance Compared
Corgi vs Marsh: Employment Practices Liability Insurance: documented features by provider
| Criteria | Corgi Employment Practices Liability (EPLI) | Marsh Employment Practices Liability (EPLI) Insurance |
|---|---|---|
| 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. | Marsh says employers of all sizes face potential EPL liability, but its named endorsements target companies by size band: over 4,000 employees for the Global Leaders Endorsement and 250 to 4,000 employees for the Leaders Preferred Endorsement. 3Company-reported. Marsh EPL page. |
| 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. | Marsh says EPLI can respond to allegations including discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation, and violation of an employee's civil rights, brought by past, present or prospective employees or third parties. 3Company-reported. Marsh EPL page; illustrative policy description, not a specific policy form. Marsh names two proprietary EPL endorsements: the Global Leaders Endorsement, built for large and multinational companies with more than 4,000 employees, and the Leaders Preferred Endorsement, for midsize companies with 250 to 4,000 employees. 3Company-reported. Marsh EPL page, Marsh's EPL services section. |
| 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. | Marsh's financial and professional liability practice places employment practices liability insurance (EPLI); MMA also places EPL coverage within its executive and professional liability practice for middle-market clients. 3,4Company-reported. Marsh EPL page and MMA executive and professional liability page. |
