---
title: "Alliance Risk vs Lockton Employment Practices Liability Insurance"
description: "Alliance Risk publishes EPLI limit bands by headcount; Lockton describes a typical placed policy including third-party and immigration claims."
canonical: "https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices)

# Alliance Risk vs Lockton Employment Practices Liability Insurance

Alliance Risk publishes EPLI limit bands by headcount; Lockton describes a typical placed policy including third-party and immigration claims.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and Lockton for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Alliance Risk brokers EPLI with recommended limits by company profile and a warning about shared management-liability aggregates. Lockton designs EPL programs as a risk advisor and describes typical placed features such as third-party harassment cover, insurable punitive damages, immigration claims and a separate wage-and-hour product. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [4](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## What Is Alliance Risk?

Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. [1](https://joinalliancerisk.com/about-us/ "About Us") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## What Is Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [5](https://global.lockton.com/us/en "Lockton United States") [6](https://global.lockton.com/us/en/technology "Technology") [7](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Broker Roles

Alliance Risk places EPLI as a specialist management-liability broker and says it typically delivers proposals within a few business days after an HR-practice review. Lockton also brokers rather than underwrites, but frames the work as designing EPL programs for any organization that engages people for hire, regardless of size, industry, location, union status or contractor use. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### Typical Terms Each Firm Describes

Alliance Risk’s table emphasizes employee-side claim types and routes ERISA benefit-plan breaches to fiduciary coverage. Lockton’s typical-policy description adds legal defense for official employment investigations, third-party discrimination or harassment from non-employees, punitive damages where insurable, and immigration-related employment claims, and it separately offers standalone wage-and-hour because those claims are typically excluded from EPL. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### Limits and Claims Teams

Alliance Risk gives dollar-range guidance by headcount and geography, and warns that bundled D&O/EPLI/fiduciary packages often share one aggregate. Lockton’s reviewed EPL page does not publish limit figures. On claims, Lockton says its Professional & Executive Risk Claims team embeds insurance and claims counsel in the broking team from the start; Alliance Risk’s EPLI page does not describe a comparable in-house claims process. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [4](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask whether wage-and-hour is inside the EPL form, sublimited, or a separate Lockton-placed product. [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)")
- Confirm shared versus separate aggregates if Alliance Risk quotes a management-liability package. [4](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together")
- Get the insurer on both quotes; neither page names carriers. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask Lockton how third-party and immigration grants would apply to your workforce mix, including contractors. [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## Offering Details

| Criteria | Alliance Risk Employment Practices Liability Insurance (EPLI) | Lockton Employment Practices Liability (EPL) Insurance Brokerage |
| --- | --- | --- |
| 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: 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. [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: EPL product page as read 2026-09-23..) |
| Issuing Insurer | The reviewed EPLI page does not name the insurer that would issue a policy; coverage terms, conditions and availability are described as varying by carrier, state and individual circumstances. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Not publicly disclosed; scope: EPLI product page as read on 2026-09-23..) | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Not publicly disclosed; scope: EPL product page checked 2026-09-23..) |
| 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page; eligibility for a particular company depends on underwriting..)<br><br>Alliance Risk says a company should add EPLI coverage as it crosses into double-digit headcount, since employment claims rise with every new hire. [4](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: 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. [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: 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. [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: EPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client..) |
| Limits and Retentions | Alliance Risk recommends EPLI limits by profile: $500,000-$1M for companies under 20 employees with strong HR and no prior claims, $1M for most small businesses, $2M-$5M for 50-plus employees or multi-state operations, and a $2M-plus minimum for California or New York employers. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page's recommended-limit table; illustrative guidance, not a quote for any particular company..)<br><br>Alliance Risk says entry-level management-liability packages that bundle EPLI with D&O and fiduciary often share a single aggregate limit, so a large D&O or fiduciary claim earlier in the policy year can reduce what is left for an EPLI claim; it says a specialist broker structures shared versus separate limits to manage that risk. [4](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's discussion of bundled D&O, EPLI and fiduciary programs..) | Not described in the reviewed sources. |
| Risk Services | Alliance Risk's EPLI risk review evaluates a company's HR practices, such as its handbook, anti-harassment training and termination procedures, and markets the risk to EPLI carriers, saying it typically delivers proposals within a few business days. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page, Get your EPLI risk review section; timing is a company estimate, not a guarantee..) | Not described in the reviewed sources. |
| How to Apply | For an EPLI quote, Alliance Risk asks for employee count and locations, industry and states of operation, the types of employment decisions at issue, HR practices in place, existing coverage and limits, and a five-year claims history of EEOC charges, lawsuits and settlements. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page, Get your EPLI risk review section..) | Not described in the reviewed sources. |
| Claims Support | The reviewed EPLI page does not describe an Alliance Risk claims-handling or claims-advocacy process; it discusses what an EPLI policy covers rather than how Alliance Risk itself supports a claim. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Not found in reviewed sources; scope: EPLI product page as read on 2026-09-23..) | Lockton's Professional & Executive Risk Claims team integrates insurance and claims counsel within the broking team from the start of the engagement, which Lockton says is meant to prepare the claims strategy before an EPL claim arises. [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: EPL product page as read 2026-09-23..) |

## Full Comparison

- [Alliance Risk vs Lockton](https://spot.insure/compare/alliance-risk-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Alliance Risk vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cargo-transit)
- [Alliance Risk vs Lockton Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/commercial-property)
- [Alliance Risk vs Lockton Crime Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/crime)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber)
- [Alliance Risk vs Lockton D&O Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/directors-officers)
- [Alliance Risk vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/fiduciary)
- [Alliance Risk vs Lockton General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/general-liability)
- [Alliance Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/product-liability)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation)
- [Alliance Risk vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/employment-practices)
- [Alliance Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/employment-practices)
- [Alliance Risk vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/employment-practices)
- [Alliance Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/employment-practices)
- [Alliance Risk vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/employment-practices)
- [Alliance Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices)

## Sources

### Alliance Risk

1. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Employment Practices Liability (EPLI)](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/). Alliance Risk; EPLI Insurance: What Employment Practices Liability Covers, Costs, and Who Needs It; Who needs EPLI insurance?; What does EPLI insurance cover?; What EPLI does not cover; How to choose coverage and limits; Get your EPLI risk review. Accessed 2026-09-23.
4. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; The shared limit problem; How to structure the program as you scale. Accessed 2026-09-23.

### Lockton

5. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
6. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
7. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
8. [Employment practices liability (EPL) insurance](https://global.lockton.com/us/en/products-services/employment-practices-liability). Lockton; What is EPL insurance?; Who should purchase EPL insurance?; What can I expect in a typical EPL insurance policy?; What is Wage and Hour coverage?; Claims management. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.

Updated 2026-09-23. 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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