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

Corgi sells standalone startup EPLI with a standard wage-and-hour exclusion. Travelers insures EPL as part of its Management Liability portfolio and sells coverage through independent agents.

Corgi lets startups apply for EPLI online and publishes sample $1 million / $2 million limits, with cover for harassment claims from customers and vendors; Travelers sells EPL through independent agents to financial institutions, nonprofits and private or public companies. Travelers publishes no limits. ^1,³

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

Online Startup Policy vs Agent-Sold Cover for Established Organizations

Corgi sells EPLI to startups through a self-serve application, standalone or in its Series A, Growth Stage and Custom packages. Travelers underwrites EPL in its Management & Professional Liability line and sells it through independent agents to financial institutions, nonprofits and private and public companies. Choose Corgi if you are a venture-backed startup that wants to apply online and see sample terms first; choose Travelers if you are a bank, nonprofit or public company, or already buy through an independent agent. ¹ ³

Customer and Vendor Harassment Claims Named vs Not Mentioned

Corgi’s form has two parts: suits by employees, former employees and applicants, and suits by customers or vendors alleging harassment or discrimination by your staff. Travelers describes defense and damages for wrongful termination, discrimination, harassment and retaliation but doesn’t mention third-party claimants. If your staff deal with customers, ask Travelers whether those suits are covered. ¹ ³

Published Gaps and Limits vs Terms Only on a Quote

Corgi publishes sample limits of $1 million per claim and $2 million aggregate, a $25,000 retention and defense inside the limit. Its base form also excludes wage-and-hour claims except a defense-only endorsement, and excludes independent contractors unless endorsed. Travelers publishes no limits, retentions or exclusions, so your agent’s quote is the only place to see them. ¹ ³

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

Ask Corgi whether the wage-and-hour defense and contractor endorsements are attached, and how much defense costs reduce the limit. ¹
Ask your Travelers agent for the limit, retention and wage-and-hour treatment. ³
Corgi covers claims in the US, its territories, Puerto Rico and Canada; ask Travelers what territory applies. ¹ ³
Ask both which insurance company issues the policy; Corgi names its own insurer or Technology Risk Retention Group (a member-owned insurer), and Travelers says its issuing affiliate can vary. ² ³

Corgi vs Travelers Employment Practices Liability Insurance Compared

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

Criteria	Corgi Employment Practices Liability (EPLI)	Travelers Employment Practices Liability Insurance (EPL)
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.	Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. ³Company-reported. Product page "Who is this right for?" 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.	EPL coverage is bought through a Travelers independent agent. ³Company-reported. Product page "Find an insurance agent" call to action.
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.	Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. ³Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy.
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.	Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. ³Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page.
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 product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ³Company-reported. Product page video legal footer.