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

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

## Agent Guide

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

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

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

# 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 sells startup EPLI online but pays only defense costs on wage-and-hour suits, even with its endorsement; Relm offers wage-and-hour cover through brokers for large employers facing class actions.

## Corgi vs Relm Insurance Employment Practices Liability Insurance Summary

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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask Corgi whether the wage-and-hour and contractor endorsements are on your quote. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [2](https://www.corgi.insure/disclaimers "Disclaimers")
- Get Relm’s limits in writing to compare with Corgi’s $1 million / $2 million. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## Corgi vs Relm Insurance Employment Practices Liability Compared

| 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. [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..) | 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; the issued policy and declarations control..)<br><br>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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [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..) | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About Corgi and Relm Insurance and Employment Practices Liability

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

## Related Pages for Corgi vs Relm Insurance

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

## Sources for Corgi vs Relm 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 Relm Insurance

3. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Employment Practices Liability Insurance (EPL): What Is Employment Practices Liability Insurance?; What Is Wage and Hour Liability Insurance?; Growing Fast? Make Sure Your Cover Keeps Up; Who Needs Employment Practices Liability?. 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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