Corgi vs Newfront Employment Practices Liability Insurance

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. ⁶Company-reported. Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself.

Newfront's Executive Risk practice brokers EPLI coverage, negotiating placement for management-liability lines. Deirdre Finn, the Executive Risk Solutions Practice Leader, oversees the D&O, employment-practices and fiduciary book of business. ¹¹Company-reported. Executive Risk offering page and Leadership section.

Corgi's disclaimers say coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. (an admitted carrier) or Technology Risk Retention Group, Inc.; the EPLI product page itself does not name which entity underwrites a given EPLI policy. ¹Company-reported. General carrier-financial-strength disclosure that applies across Corgi's product lines, not an EPLI-specific underwriter statement; your policy names the actual insurer.

The reviewed Executive Risk page does not name the insurer or insurers that would issue an EPLI policy placed through Newfront. ¹¹Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement.

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. ⁶Company-reported. Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy.

Newfront says it services private companies from seed round through every series of funding and has worked with over 500 publicly traded companies, without an EPLI-specific eligibility threshold. ¹¹Company-reported. Here for the Long Run section; figures describe the executive-risk practice broadly, not EPLI specifically.

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. ⁶Company-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. ⁶Company-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. ⁶Company-reported. Policy notes and Available Add-ons section for form CORG-EPL-0100; endorsement required and availability may vary by jurisdiction and underwriting.

Newfront lists Employment Practices Liability Insurance (EPLI) among its Executive Risk Key Coverages, and describes its management-liability work as "shielding D&Os from wrongful discrimination, termination, and other employment-related issues." ¹¹Company-reported. Key Coverages list and Committed to Client Advocacy section; the quoted language frames EPLI around protecting leadership rather than describing named insuring agreements.

Corgi's illustrative EPLI structure shows limits up to $1 million per claim and $2 million in the policy aggregate, with a $25,000 self-insured retention per claim and defense costs included within the limit. ⁶Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

The reviewed Executive Risk page does not publish EPLI limits or retentions. ¹¹Not publicly disclosed. Executive Risk page as read on 2026-09-23.

Not described in the reviewed sources.

Newfront says it tailors guidance for every growth stage using predictive models to help coverage adapt to evolving risks, and offers 24/7 dashboard access to policies, certificates and billing. ¹¹Company-reported. The Newfront Difference and Industry-Leading Technology sections of the Executive Risk page.

You can request an EPLI quote online through Corgi's self-serve application. ⁶Company-reported. Product page quote call to action.

You start an EPLI placement by requesting a consultation through Newfront's Executive Risk page. ¹¹Company-reported. Executive Risk page call-to-action; no online quoting or binding described.

Not described in the reviewed sources.

Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to an EPLI claim. ¹¹Company-reported. The Newfront Difference section; described across Executive Risk lines, not an EPLI-specific claims workflow.