---
title: "Corgi vs Travelers: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-travelers/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-travelers"
provider-a: "corgi"
provider-b: "travelers"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-travelers/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Corgi and Travelers for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Corgi versus Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs Travelers for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Corgi or Travelers?
- What does Corgi or Travelers publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Corgi and Travelers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs Travelers](https://spot.insure/compare/corgi-vs-travelers) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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 with published sample limits and customer-harassment cover, while Travelers sells EPL to banks, nonprofits and public or private companies through independent agents.

## Corgi vs Travelers Employment Practices Liability Insurance Summary

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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Ask your Travelers agent for the limit, retention and wage-and-hour treatment. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)")
- Corgi covers claims in the US, its territories, Puerto Rico and Canada; ask Travelers what territory applies. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)")
- 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](https://www.corgi.insure/disclaimers "Disclaimers") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)")

## Corgi vs Travelers Employment Practices Liability Insurance Compared

| 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. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page "Who is this right for?" section..) |
| How to Apply | You can request an EPLI quote online through Corgi's self-serve application. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) | EPL coverage is bought through a Travelers independent agent. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-EPL-0100; the issued policy and declarations control..)<br><br>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. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Policy notes and Available Add-ons section for form CORG-EPL-0100; the endorsement requires separate issuance and does not add indemnity coverage..)<br><br>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. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [2](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page video legal footer..) |

## About Corgi and Travelers and Employment Practices Liability Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Corgi vs Travelers Employment Practices Liability

- [Corgi vs Travelers](https://spot.insure/compare/corgi-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Corgi Employment Practices Liability Insurance](https://spot.insure/insurance-providers/corgi/employment-practices)
- [Travelers Employment Practices Liability Insurance](https://spot.insure/insurance-providers/travelers/employment-practices)

## Sources for Corgi vs Travelers

### Sources About Corgi

1. [EPLI Insurance for Startups](https://www.corgi.insure/employment-practices-liability). 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.
2. [Disclaimers](https://www.corgi.insure/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.

### Sources About Travelers

3. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). 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.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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