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

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and USI Insurance Services 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 USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Corgi and USI Insurance Services.
- 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 USI Insurance Services](https://spot.insure/compare/corgi-vs-usi) — 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
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile

# 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 sells startups a published EPLI form online with sample $1 million / $2 million limits, while USI is a broker for janitorial, staffing and other business-services firms that adds claim advocacy and gap reviews.

## Corgi vs USI Insurance Services Employment Practices Liability Insurance Summary

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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## 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](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [2](https://www.corgi.insure/disclaimers "Disclaimers")
- Ask USI for the insurer, limit and retention, and whether EPL is standalone or part of an ExecuSafe program. [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")
- If you pay hourly workers, ask USI how its placed form treats wage-and-hour claims. [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [3](https://www.usi.com/property-casualty/business-services/ "Business Services")
- Ask Corgi whether defense costs reduce your limit. [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [1](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## Corgi vs USI Insurance Services Employment Practices Liability Compared

| 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. [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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Company description of client segments for each source..) |
| 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..) | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Business Services catalogue and ExecuSafe article..) |

## About Corgi and USI Insurance Services

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

## Related Pages for Corgi vs USI Insurance Services

- [Corgi vs USI Insurance Services](https://spot.insure/compare/corgi-vs-usi): 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)
- [USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/insurance-providers/usi/employment-practices)

## Sources for Corgi vs USI Insurance Services

### 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 USI Insurance Services

3. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Employment Practices Liability.... Accessed 2026-09-23.
4. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-usi/employment-practices.md)
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