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

Corgi offers standalone startup EPLI with a standard wage-and-hour exclusion. RiskCube’s catalogue describes EPLI for startup and small businesses, covering claims related to employment practices.

Corgi shows you what you're buying: an online startup EPLI quote covering job applicants and third-party claims, with illustrative $1 million / $2 million limits. RiskCube lists EPLI for current and former employee claims but publishes no limits and sends you to a general contact form. ^1,³

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

Online Quote With Published Terms vs Contact Form

Corgi publishes a dedicated EPLI product with an online quote, illustrative limits and optional wage-and-hour and contractor endorsements. RiskCube, an independent brokerage, lists EPLI in its startup catalogue, and the "Learn more" link opens a general contact form rather than an application. Choose Corgi if you want to see terms and price before talking to anyone; choose RiskCube if you'd rather have a broker shop EPLI alongside your other startup coverage. ¹ ³ ⁴

Applicants and Third Parties Covered vs Employees Only

RiskCube's card covers current or former employees alleging wrongful termination, discrimination, harassment or retaliation. Corgi also covers job applicants and third-party harassment or discrimination during a business interaction; independent contractors are excluded unless you add an endorsement. If a rejected candidate or a customer could sue you, Corgi's form addresses it in writing. ³ ¹

$1 Million / $2 Million Illustrated vs No Limits Published

Corgi shows up to $1 million per claim and $2 million aggregate, a $25,000 retention, and defense costs inside the limit, which means legal bills reduce what's left for a settlement. RiskCube publishes no limit, retention or premium range. ¹ ³ ⁴

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

Ask RiskCube which insurer would issue EPLI and what limits apply; its sources name neither. ³
Ask Corgi which endorsements are attached and which of its named possible insurers underwrites your quote. ¹ ²
Ask RiskCube whether applicant, third-party and contractor claims are covered. ³ ¹
Ask RiskCube what information it needs from you, since its EPLI link goes to a contact form. ⁴

Corgi vs RiskCube Employment Practices Liability Insurance Compared

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

Criteria	Corgi Employment Practices Liability (EPLI)	RiskCube Employment Practices Liability 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.	RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. ³Company-reported. Catalogue marketing description, not an underwriting eligibility rule.
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.	RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ³Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.
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.	RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. ³Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.

Criteria

Corgi Employment Practices Liability (EPLI)

RiskCube Employment Practices Liability 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.

RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. ³Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

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.

RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ³Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.

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.

RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. ³Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.