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

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.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹²Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

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 reviewed WTW sources do not identify an issuing insurer for a specific employment practices placement. ^12,11Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

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.

Confirm in your quote.

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.

WTW's FY2024 annual report lists employment-practices liability insurance among its FINEX solutions. ¹¹Company-reported. Historical group-level service description only; current U.S. placement, insurer, policy wording, and buyer eligibility are not established.

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 sources do not state a buyer-specific employment practices limit, retention, or deductible. ^12,11Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

Confirm in your quote.

WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹²Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

You can request an EPLI quote online through Corgi's self-serve application. ⁶Company-reported. Product page quote call to action.

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹²Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.