Alliance Risk vs Lockton: How Do They Compare for Employment Practices Liability Insurance?

Alliance Risk brokers EPLI for small businesses; Lockton designs EPL programs for organizations with employees and describes the scope of coverage it places.

Alliance Risk suits smaller employers who want limit guidance by headcount and an HR review, with proposals in a few business days. Lockton designs broader EPL programs that can add third-party harassment, immigration claims and separate wage-and-hour cover, with claims counsel on the broking team. ^1,^2,³

What Are the Key Differences Between Alliance Risk and Lockton Employment Practices Liability Insurance?

Quick Small-Employer Placement vs a Designed Program

Both firms broker EPL rather than insure it. Alliance Risk reviews your HR practices and says it typically delivers proposals within a few business days. Lockton designs EPL programs for any organization that hires people, whatever its size, industry, union status or contractor use. Choose Alliance Risk if you're a smaller employer who wants a fast quote and limit advice; choose Lockton if you have contractors, a union workforce or multi-state exposure that needs a custom program. ¹ ³

Coverage Beyond Employee Claims

Lockton's typical placed policy covers defense in official employment investigations, discrimination or harassment claims from customers and other non-employees, punitive damages where insurable, and immigration-related claims. Alliance Risk's list focuses on claims from your own employees and sends ERISA benefit-plan claims to fiduciary coverage. If customers or vendors deal with your staff, Lockton describes the cover you'd need. ¹ ³

Wage-and-Hour Gap

Lockton says wage-and-hour claims are usually excluded from EPL and sells them as a separate product. Alliance Risk says they're often sublimited. Either way, the EPL policy won't pay a full wage claim, so price the separate cover if you have hourly staff. ³ ¹

Limit Advice vs Claims Support

Alliance Risk gives dollar ranges by headcount and location and warns that bundled D&O, EPLI and fiduciary packages often share one aggregate. Lockton publishes no limits, but says its claims team embeds counsel with the broking team from the start; Alliance Risk doesn't describe its claims support. ¹ ² ³

What Should You Confirm in Alliance Risk and Lockton Employment Practices Liability Insurance Quotes?

Ask whether wage-and-hour is inside the EPL form, sublimited, or a separate Lockton-placed product. ³ ¹
Ask whether an Alliance Risk management-liability package shares one aggregate. ²
Ask both brokers which insurer will issue the policy; neither names one. ¹ ³
Ask Lockton how third-party and immigration cover applies to your workforce, including contractors. ³

Alliance Risk vs Lockton Employment Practices Liability Compared

Alliance Risk vs Lockton: Employment Practices Liability Insurance: documented features by provider

Criteria	Alliance Risk Employment Practices Liability Insurance (EPLI)	Lockton Employment Practices Liability (EPL) Insurance Brokerage
Who It’s For	Alliance Risk targets EPLI at small businesses under 50 employees, high-risk industries such as healthcare, staffing, retail and hospitality, multi-state employers, and companies with complex workforces including contractors and foreign nationals. ¹Company-reported. EPLI product page; eligibility for a particular company depends on underwriting. Alliance Risk says a company should add EPLI coverage as it crosses into double-digit headcount, since employment claims rise with every new hire. ²Company-reported. Management liability page's program-staging guidance, describing EPLI specifically among the three bundled lines.	Lockton says any organization that engages people for hire, regardless of size, industry, location, union participation or use of independent contractors, faces employment-related risk and should consider EPL insurance. ³Company-reported. EPL product page as read 2026-09-23.
Coverage Features	Alliance Risk lists wrongful termination, discrimination, harassment, retaliation and failure to promote as typically covered EPLI claim types, with wage-and-hour violations often covered subject to a sublimit; it says claims under the National Labor Relations Act, criminal misconduct and benefit-plan ERISA breaches are excluded and routed to fiduciary liability coverage instead. ¹Company-reported. EPLI product page; coverage table and exclusions; actual policy wording and sublimits vary by carrier.	Lockton says a typical EPL policy it places covers legal defense costs for employee claims and official employment investigations, third-party discrimination or harassment claims from non-employees, punitive damages where insurable, and immigration-related employment claims. It separately offers standalone wage-and-hour coverage for claims like misclassification and unpaid overtime, since wage-and-hour claims are typically excluded from EPL policies. ³Company-reported. EPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client.
Role in This Line	Alliance Risk places EPLI as a broker and describes itself as specializing in management liability for businesses operating in employment-litigation-heavy states such as California and New York. ¹Company-reported. EPLI product page; Alliance Risk does not underwrite the policy itself.	Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. ³Company-reported. EPL product page as read 2026-09-23.

Criteria

Alliance Risk Employment Practices Liability Insurance (EPLI)

Lockton Employment Practices Liability (EPL) Insurance Brokerage

Who It’s For

Alliance Risk targets EPLI at small businesses under 50 employees, high-risk industries such as healthcare, staffing, retail and hospitality, multi-state employers, and companies with complex workforces including contractors and foreign nationals. ¹Company-reported. EPLI product page; eligibility for a particular company depends on underwriting.

Alliance Risk says a company should add EPLI coverage as it crosses into double-digit headcount, since employment claims rise with every new hire. ²Company-reported. Management liability page's program-staging guidance, describing EPLI specifically among the three bundled lines.

Lockton says any organization that engages people for hire, regardless of size, industry, location, union participation or use of independent contractors, faces employment-related risk and should consider EPL insurance. ³Company-reported. EPL product page as read 2026-09-23.

Coverage Features

Alliance Risk lists wrongful termination, discrimination, harassment, retaliation and failure to promote as typically covered EPLI claim types, with wage-and-hour violations often covered subject to a sublimit; it says claims under the National Labor Relations Act, criminal misconduct and benefit-plan ERISA breaches are excluded and routed to fiduciary liability coverage instead. ¹Company-reported. EPLI product page; coverage table and exclusions; actual policy wording and sublimits vary by carrier.

Lockton says a typical EPL policy it places covers legal defense costs for employee claims and official employment investigations, third-party discrimination or harassment claims from non-employees, punitive damages where insurable, and immigration-related employment claims. It separately offers standalone wage-and-hour coverage for claims like misclassification and unpaid overtime, since wage-and-hour claims are typically excluded from EPL policies. ³Company-reported. EPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client.

Role in This Line

Alliance Risk places EPLI as a broker and describes itself as specializing in management liability for businesses operating in employment-litigation-heavy states such as California and New York. ¹Company-reported. EPLI product page; Alliance Risk does not underwrite the policy itself.

Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. ³Company-reported. EPL product page as read 2026-09-23.