Corgi vs 
Travelers Employment Practices Liability Insurance
Corgi sells a named startup EPLI form with two agreements and sample limits; Travelers underwrites EPL for banks, nonprofits, and public and private companies.
What Is Corgi Insurance?
Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. 1,2,3,4,5
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 7,8,9
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 11
Key Differences in Employment Practices Liability Insurance
How You Buy and Who Writes the Policy
A Corgi EPLI quote can start on a self-serve application. A Travelers EPL quote goes through a Travelers independent agent. That changes who you talk to before you see terms. 6 10
Corgi sells the line as a startup policy, standalone or in Series A, Growth Stage and Custom packages, and says coverage may be written by Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. Travelers underwrites EPL in Management & Professional Liability and names Travelers Casualty and Surety Company of America and affiliates. The declarations still control. 6 1 10
Who They Market To
Corgi frames EPLI around startups. Travelers markets EPL to financial institutions, nonprofits, and private and public companies. A bank or public company is in Travelers’ stated audience; it is not in Corgi’s startup framing. 6 10
Employee Suits Versus Third-Party Suits
Corgi’s standard form has two agreements: suits by employees, former employees and applicants, and suits by customers or vendors alleging harassment or discrimination by an employee. Travelers describes defense and damages for wrongful termination, discrimination, workplace harassment and retaliation. Travelers’ reviewed description does not name third-party claimants; Corgi names them as a second agreement. 6 10
Corgi’s base form excludes wage-and-hour claims except a defense-only endorsement, and excludes independent contractors unless endorsed. Travelers’ reviewed EPL materials do not describe those items, so you have to ask on the quote. 6 10
What You Can See Before a Quote
Corgi publishes an illustrative $1 million per claim / $2 million aggregate, a $25,000 retention, and defense inside the limit. Travelers does not publish EPL limits or retentions, so you learn those numbers only from the agent’s quote. 6 10
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask Corgi whether wage-and-hour defense and contractor endorsements are attached, and whether defense erodes the illustrative $1 million / $2 million structure. 6
- Ask Travelers for the issuing company, limit and retention. 10
- Confirm Corgi’s geographic trigger (United States, territories, Puerto Rico or Canada). Travelers’ reviewed EPL materials do not state a territory. 6 10
- Get the named insurer from Corgi’s affiliated-or-partner list and from Travelers’ Casualty and Surety of America disclosure. 1 10
Offering Details
Corgi vs Travelers Employment Practices Liability Insurance: documented features by provider
| Criteria | Corgi Employment Practices Liability (EPLI) | Travelers Employment Practices Liability Insurance (EPL) |
|---|---|---|
| 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. 6Company-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. 10Company-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. 1Company-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. 10Company-reported. Product page video legal footer. |
| 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. 6Company-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. 10Company-reported. Product page "Who is this right for?" section. |
| 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. 6Company-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. 6Company-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. 6Company-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. 10Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy. |
| 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. 6Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. | The reviewed page does not publish EPL limits, retentions or premiums; it references illustrative settlement examples (from $45,000 to $280,000, including defense costs) as general risk context, not as policy terms. 10Not found in reviewed sources. Product page video claim scenarios as read on 2026-09-23. |
| How to Apply | You can request an EPLI quote online through Corgi's self-serve application. 6Company-reported. Product page quote call to action. | EPL coverage is bought through a Travelers independent agent. 10Company-reported. Product page "Find an insurance agent" call to action. |
Full Comparison
More Corgi vs Travelers Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Corgi
- 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.
- Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
- EPLI Insurance for Startups. 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.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Employment Practices Liability Insurance (EPL). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
