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

Corgi sells standalone startup EPLI with a standard wage-and-hour exclusion and sample limits up to $1 million per claim. TechInsurance arranges EPLI quotes for small businesses.

TechInsurance tells you what EPLI typically costs, a $257 monthly median, and usually issues your certificate the same day. Corgi sells startup EPLI online with published $1 million/$2 million limits and a $25,000 retention, but excludes wage-and-hour claims except for defense costs. ^3,¹

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

Price Benchmark and Speed vs Published Policy Terms

Both let you apply online. TechInsurance has licensed agents available, says a certificate is typically ready the same day you buy, and reports a $257 median monthly cost from its own book. Corgi's startup policy comes standalone or in a package, and it publishes sample limits, retention and exclusions instead of prices. Choose TechInsurance if you need proof of cover fast or want a price benchmark; choose Corgi if you're a funded startup that wants to see policy terms before you apply and can live without wage-and-hour settlement cover. ¹ ³

What the Base Forms Cover

Corgi splits employee and applicant claims from a third-party agreement for harassment or discrimination. It excludes wage-and-hour except through a defense-costs endorsement. TechInsurance lists discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract and invasion of privacy, typically on a claims-made form. Benefits and privacy claims appear on TechInsurance's list but not Corgi's. ¹ ³

Limits

Corgi shows an illustrative $1 million per claim and $2 million aggregate with a $25,000 retention, and defense costs reduce the limit. TechInsurance doesn't publish limits, so you can't compare until you have its quote. ¹ ³

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

Ask TechInsurance which insurer issues the policy and whether benefits, contract and privacy claims are covered. ³
Ask Corgi which of its companies will issue your policy (Corgi Insurance Company or Technology Risk Retention Group, a member-owned insurer), and whether wage-and-hour and contractor endorsements are attached. ² ¹
Compare TechInsurance's quoted limit and deductible with Corgi's $25,000 retention before comparing price. ³ ¹
Ask whether TechInsurance's quote bundles D&O, versus Corgi's Series A or Growth Stage package. ³ ¹

Corgi vs TechInsurance Employment Practices Liability Compared

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

Criteria	Corgi Employment Practices Liability (EPLI)	TechInsurance Employment Practices Liability Insurance (EPLI)
Limits and Retentions	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. ¹Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.	TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses paying between about $750 and more than $14,000 a year, depending on profession risk, policy limits and deductible, employee count, turnover rate, and claims history. ³Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.
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.	TechInsurance targets EPLI at small businesses with a sizable workforce, and specifically notes that companies too small to have a dedicated HR team may face employment lawsuits more often since they often lack the resources to resolve disputes before they become legal claims. ³Company-reported. EPLI product page, Why do I need employment practices liability insurance? section.
How to Apply	You can request an EPLI quote online through Corgi's self-serve application. ¹Company-reported. Product page quote call to action.	You request EPLI quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. ³Company-reported. EPLI product 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. 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.	TechInsurance says EPLI covers claims of discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract, and invasion of privacy, and is typically written as a claims-made policy. ³Company-reported. EPLI product page; general policy description, not a specific policy form.
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.	TechInsurance arranges employment practices liability insurance (EPLI) and says it can be purchased standalone or paired with directors and officers insurance in a management liability bundle. ³Company-reported. EPLI product page.