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

Corgi sells standalone startup EPLI with a standard wage-and-hour exclusion. USI Insurance Services brokers EPL for small and midsize businesses and provides risk-management services through its Business Services practice.

Corgi lets a startup buy EPLI online on a published form with sample $1 million / $2 million limits and a $25,000 retention; USI is a broker for business-services employers that places EPL, reviews your existing policy for gaps and advocates for you on claims. ^1,^3,⁴

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

Online Startup Policy vs Broker for Services Firms

Corgi sells EPLI as its own startup policy, alone or in its Series A, Growth Stage and Custom packages, with an online self-serve quote. USI is a broker whose Business Services practice places EPL for building maintenance, repair, janitorial, staffing and printing companies, or reviews it inside ExecuSafe for small and mid-sized businesses. You reach USI by email or a local office. Choose Corgi if you are a startup that wants to buy today; choose USI if you run a services firm and want a broker to place and service the policy. ¹ ³ ⁴

Terms You Can Read vs Terms You Learn on the Quote

Corgi publishes its form: employee and third-party insuring agreements, sample limits of $1 million per claim and $2 million aggregate with a $25,000 retention, and a contractor endorsement. Its base form excludes wage-and-hour claims, and the add-on pays defense only, so an overtime or misclassification settlement stays with you. USI publishes no EPL terms, limits or insurer. ¹ ³ ⁴

Service Beyond the Policy at USI

USI offers classification and exposure reviews, claim advocacy and contract review across lines including EPL, and ExecuSafe checks existing EPL for gaps. Corgi's EPLI page describes none of these. If you want someone arguing your side after an employee sues, USI is the one that says it does. ³ ⁴ ¹

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

Ask Corgi which company underwrites the policy and whether the wage-and-hour defense and contractor endorsements are on your quote. ¹ ²
Ask USI for the insurer, limit and retention, and whether EPL is standalone or part of an ExecuSafe program. ³ ⁴
If you pay hourly workers, ask USI how its placed form treats wage-and-hour claims. ¹ ³
Ask Corgi whether defense costs reduce your limit. ³ ¹

Corgi vs USI Insurance Services Employment Practices Liability Compared

Corgi vs USI Insurance Services: Employment Practices Liability Insurance: documented features by provider

Criteria	Corgi Employment Practices Liability (EPLI)	USI Employment Practices Liability Brokerage
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.	USI's Business Services practice, which lists EPL, targets building and maintenance, repair service, janitorial, staffing and printing companies; its ExecuSafe review targets small- and medium-sized businesses generally. ^3,⁴Company-reported. Company description of client segments for each source.
How to Apply	You can request an EPLI quote online through Corgi's self-serve application. ¹Company-reported. Product page quote call to action.	USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^3,⁴Company-reported. Contact instructions on each 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.	USI lists employment practices liability among the coverages it places for business-services clients, and its ExecuSafe review looks for gaps in a client's existing EPL coverage as part of a broader management liability check. ^3,⁴Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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.	USI brokers employment practices liability (EPL) coverage, which responds to claims like wrongful termination, discrimination or harassment; it places EPL individually or reviews it as part of a management liability program under ExecuSafe. ^3,⁴Company-reported. Business Services catalogue and ExecuSafe article.