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

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

## Agent Guide

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

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

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

# 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.

Corgi sells startups EPL online with illustrative $1 million limits, while Marsh brokers EPL for employers with 250 to 4,000-plus staff through its own endorsements.

## Corgi vs Marsh Employment Practices Liability Insurance Summary

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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [4](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

### 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")
- Ask Corgi whether you are quoted standalone or in a package, and which endorsements are attached. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Get Marsh’s limits in writing; Corgi illustrates $1 million per claim, $2 million aggregate and a $25,000 retention. [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Ask Marsh whether failure-to-promote and negligent-evaluation claims are covered on the issued form. [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")

## Corgi vs Marsh Employment Practices Liability Insurance Compared

| 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. [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..) | 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. [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") (Evidence: Company-reported; scope: Marsh EPL page; illustrative policy description, not a specific policy form..)<br><br>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. [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [4](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: Marsh EPL page and MMA executive and professional liability page..) |

## About Corgi and Marsh and Employment Practices Liability Insurance

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

## Related Pages for Corgi vs Marsh Employment Practices Liability

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

## Sources for Corgi vs Marsh 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 Marsh

3. [Employment Practices Liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html). Marsh; Opening positioning; allegation list (discrimination, harassment, wrongful termination, retaliation, and more); What we offer: EPLI initiatives; Marsh's EPL services: Global Leaders Endorsement, Leaders Preferred Endorsement. Accessed 2026-09-23.
4. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Employment Practices Liability subsection: covers defense costs and damages related to employment-related claims, including discrimination, harassment, failure to provide equal opportunity of employment. 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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