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

Amelia Risk arranges EPL for startups and shares when companies should consider it; Lockton designs EPL programs for organizations with employees and describes its coverage scope.

Amelia Risk is a startup broker that tells you to buy EPL at around five to ten employees; Lockton designs EPL programs for employers of any size, typically adding third-party, punitive-damages and immigration claims plus a separate wage-and-hour policy. ^1,⁶

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

First-Hire Timing vs Programs for Any Employer

Amelia Risk gives specific timing: buy EPL around five to ten employees, earlier in California and New York. Lockton says any organization that hires people, whatever its size, industry, location, union status or use of contractors, should consider EPL. Both are brokers, so neither issues the policy. Choose Amelia Risk if you're a startup approaching your first ten hires; choose Lockton if you have a larger, unionized or contractor-heavy workforce that needs a tailored program. ¹ ⁶

Broader Typical Terms vs Employee-Side Claims

Amelia Risk summarizes employee-side claim types. Lockton's typical policy covers defense for employee claims and official employment investigations, discrimination or harassment claims from non-employees, punitive damages where insurable, and immigration-related employment claims. Lockton also places a standalone wage-and-hour policy for misclassification and unpaid overtime, because EPL usually excludes those claims. If customers or vendors could accuse your staff of harassment, Lockton's described terms go further. ¹ ⁶

In-House Claims Counsel vs No Described Claims Process

Lockton says its Professional & Executive Risk Claims team brings insurance and claims counsel in from the start, so you have a strategy before a claim lands. Amelia Risk's EPL page doesn't describe how it handles EPL claims. ⁶ ¹

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

Ask whether contractors and third-party claimants are covered; Lockton's typical terms include them and Amelia Risk's summary doesn't. ⁶ ¹
Ask whether wage-and-hour needs a separate policy or sits inside the quoted form. ⁶ ¹
Ask both brokers which insurer will issue the policy; neither page names one. ⁶ ¹
Ask how punitive damages and immigration claims would apply in your states. ⁶

Amelia Risk vs Lockton Employment Practices Liability Compared

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

Criteria	Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage	Lockton Employment Practices Liability (EPL) Insurance Brokerage
Who It’s For	Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^2,^3,^4,⁵Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk recommends buying EPL once a company reaches roughly five to ten employees and is hiring more, and advises employers in California and New York to buy earlier in that range because those states are more litigious for employment claims. ¹Company-reported. EPL product page timing guidance as of 23 September 2026; a general recommendation, not a stated coverage requirement.	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. ⁶Company-reported. EPL product page as read 2026-09-23.
Coverage Features	Amelia describes the EPL policy as protecting the employer against common claims including sexual harassment, wrongful termination, failure to promote or hire, discrimination, and hostile-work-environment claims. ¹Company-reported. EPL product page description; the actual policy wording, defenses, and exclusions depend on the issuing insurer and the client's declarations.	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. ⁶Company-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	Amelia Risk arranges EPL coverage for clients, describing and structuring the policy to protect the employer entity against employment-related claims, rather than underwriting it directly. ¹Company-reported. EPL product page as of 23 September 2026. Does not establish who issues a particular client's policy.	Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. ⁶Company-reported. EPL product page as read 2026-09-23.

Criteria

Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage

Lockton Employment Practices Liability (EPL) Insurance Brokerage

Who It’s For

Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^2,^3,^4,⁵Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk recommends buying EPL once a company reaches roughly five to ten employees and is hiring more, and advises employers in California and New York to buy earlier in that range because those states are more litigious for employment claims. ¹Company-reported. EPL product page timing guidance as of 23 September 2026; a general recommendation, not a stated coverage requirement.

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. ⁶Company-reported. EPL product page as read 2026-09-23.

Coverage Features

Amelia describes the EPL policy as protecting the employer against common claims including sexual harassment, wrongful termination, failure to promote or hire, discrimination, and hostile-work-environment claims. ¹Company-reported. EPL product page description; the actual policy wording, defenses, and exclusions depend on the issuing insurer and the client's declarations.

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. ⁶Company-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

Amelia Risk arranges EPL coverage for clients, describing and structuring the policy to protect the employer entity against employment-related claims, rather than underwriting it directly. ¹Company-reported. EPL product page as of 23 September 2026. Does not establish who issues a particular client's policy.

Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. ⁶Company-reported. EPL product page as read 2026-09-23.