Corgi vs The Hartford: 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. The Hartford builds EPLI into its Business Owner's Policy for most classes, but not in California, Minnesota, North Dakota or New York.

Corgi sells startups standalone EPLI online with a $1 million/$2 million sample limit, but wage-and-hour defense costs extra. The Hartford builds EPLI with wage-and-hour defense into its Business Owner's Policy, except in California, Minnesota, North Dakota and New York. ^1,³

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

Standalone Startup Policy vs EPLI Bundled With Your BOP

Corgi sells EPLI as a standalone startup policy or inside its startup packages, with an illustrative $1 million / $2 million limit and $25,000 retention. The Hartford builds EPLI into its Business Owner's Policy for most classes, includes it in Private Choice Premier and sells standalone Employers Premier Choice; its Spectrum option lists a $25,000 limit. Choose Corgi if you're a startup that wants real limits bought online; choose The Hartford if you're a small business already buying a BOP outside California, Minnesota, North Dakota and New York. ¹ ³

Wage-and-Hour Defense Included Only at The Hartford

The Hartford's BOP EPLI automatically includes wage-and-hour defense costs and third-party EPLI for most businesses. Corgi excludes wage-and-hour unless you add a defense-cost endorsement, though it does cover third-party harassment or discrimination during business dealings. If overtime or classification disputes worry you, The Hartford's bundle covers more out of the box. ³ ¹

The Hartford's Bundle Skips Four States

The Hartford has no built-in EPL in California, Minnesota, North Dakota or New York, so employers there need another route. Corgi covers claims across the United States, its territories, Puerto Rico and Canada. ³ ¹

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

If you operate in California, Minnesota, North Dakota or New York, ask The Hartford whether any EPL is available outside the BOP. ³
Ask which Hartford product you're being quoted. ³ ¹
Check whether a $25,000 Spectrum limit is enough next to Corgi's $1 million / $2 million. ³ ¹
Ask Corgi whether the wage-and-hour endorsement is on your quote, and The Hartford whether its wage-and-hour defense applies to your class. ¹ ³

Corgi vs The Hartford Employment Practices Liability Compared

Corgi vs The Hartford: Employment Practices Liability Insurance: documented features by provider

Criteria	Corgi Employment Practices Liability (EPLI)	The Hartford 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.	The Hartford's EPLI footnote states a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. ³Company-reported. EPLI product page footnote as read 2026-09-23. Applies specifically to Spectrum-program business at that writing company; other products/limits are not addressed.
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.	The Hartford's footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. ³Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025).
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.	The Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. ³Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. ³Company-reported. EPLI product page as read 2026-09-23.
Issuing Insurer	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. ²Company-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 Hartford names Hartford Underwriters Insurance Company as the writing company for the described $25,000 Spectrum EPL limit, though other EPLI products on the page (BOP-included, Private Choice Premier, Employers Premier Choice) are not each tied to a named writing company on this page. ³Company-reported. EPLI product page footnote as read 2026-09-23.