Corgi vs Relm Insurance: How Do They Compare for Employment Practices Liability Insurance?

Corgi sells standalone startup EPLI and excludes wage-and-hour claims in its standard form. Relm Insurance sells EPL through brokers to companies of any size, describing coverage for defense costs, settlements and wage-and-hour exposure.

Corgi lets startups buy EPLI online, but wage-and-hour suits are excluded unless you add an endorsement that pays defense only, and contractors need their own endorsement. Relm offers EPL and separate wage-and-hour cover through brokers, aimed at large employers facing class actions. ^1,³

What Are the Key Differences Between Corgi and Relm Insurance Employment Practices Liability Insurance?

Defense-Only Wage-and-Hour vs Cover Built for Class Actions

Corgi’s standard policy excludes wage-and-hour claims; its endorsement pays defense costs only, never settlements or judgments. Relm offers wage-and-hour cover for minimum-wage underpayment, overtime and misclassification suits, including state and federal class actions, framed for large employers. Its EPL pays defense and settlement for harassment, discrimination, wrongful termination, breach of contract and emotional distress. Choose Corgi if you’re a startup buying first EPLI online; ask your broker about Relm if you have a large hourly workforce. ¹ ³

Buy Online With Published Limits vs Through a Broker

Corgi quotes online and shows sample limits of $1 million per claim and $2 million in total, with a $25,000 retention (what you pay before cover starts). It also covers third-party harassment or discrimination claims, which Relm’s page doesn’t describe. Relm sells only through insurance brokers and publishes no limits. ¹ ³

Contractors Excluded by Default vs Any-Size Framing

Corgi doesn’t treat independent contractors as employees unless you add an endorsement, and covers claims in the US, its territories, Puerto Rico and Canada. Relm says any company with employees benefits from EPL, including fast-growing firms scaling hiring. ¹ ³

What Should You Confirm in Corgi and Relm Insurance Employment Practices Liability Insurance Quotes?

Ask Relm whether its wage-and-hour cover pays settlements or only defense, and whether it’s on the same policy as EPL. ³
Ask Corgi whether the wage-and-hour and contractor endorsements are on your quote. ¹
Ask both which company issues the policy. Corgi’s disclaimers name Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc.; Relm’s page names none. ³ ²
Get Relm’s limits in writing to compare with Corgi’s $1 million / $2 million. ³ ¹

Corgi vs Relm Insurance Employment Practices Liability Compared

Corgi vs Relm Insurance: Employment Practices Liability Insurance: documented features by provider

Criteria	Corgi Employment Practices Liability (EPLI)	Relm Employment Practices Liability Insurance (EPL/W&H)
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.	Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. ³Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.
How to Apply	You can request an EPLI quote online through Corgi's self-serve application. ¹Company-reported. Product page quote call to action.	Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ³Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.
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.	Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. ³Company-reported. Financial Lines page general description; the issued policy and declarations control. Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. ³Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' 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.	Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.