---
title: "Amelia Risk vs Lockton: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "amelia-risk-vs-lockton"
provider-a: "amelia-risk"
provider-b: "lockton"
coverage-line: "employment-practices"
---

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

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and Lockton 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 Amelia Risk versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Amelia Risk and Lockton.
- 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 2026-09-25.

**Related pages:**
- [Amelia Risk vs Lockton](https://spot.insure/compare/amelia-risk-vs-lockton) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 tells startups to buy EPL at five to ten employees, while Lockton builds EPL programs for employers of any size with third-party, immigration and separate wage-and-hour cover.

## Amelia Risk vs Lockton Employment Practices Liability Insurance Summary

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](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [6](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [6](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### 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](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [6](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)")
- Ask whether wage-and-hour needs a separate policy or sits inside the quoted form. [6](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)")
- Ask both brokers which insurer will issue the policy; neither page names one. [6](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)")
- Ask how punitive damages and immigration claims would apply in your states. [6](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## Amelia Risk vs Lockton Employment Practices Liability Compared

| 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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [3](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [4](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [5](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement..)<br><br>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. [1](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Company-reported; scope: 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. [6](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 | 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. [1](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Company-reported; scope: 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. [6](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..) |
| 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. [1](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Company-reported; scope: 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. [6](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..) |

## About Amelia Risk and Lockton and Employment Practices Liability

- [Amelia Risk company profile](https://spot.insure/insurance-providers/amelia-risk) · [Amelia Risk customer reviews](https://spot.insure/insurance-providers/amelia-risk/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Amelia Risk vs Lockton

- [Amelia Risk vs Lockton](https://spot.insure/compare/amelia-risk-vs-lockton): 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.
- [Amelia Risk Employment Practices Liability Insurance](https://spot.insure/insurance-providers/amelia-risk/employment-practices)
- [Lockton Employment Practices Liability Insurance](https://spot.insure/insurance-providers/lockton/employment-practices)

## Sources for Amelia Risk vs Lockton

### Sources About Amelia Risk

1. [Employment Practices Liability (EPL)](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/). Amelia Risk Insurance Brokers; What's covered by an Employment Practices Liability (EPL) Policy?; When should a company buy an Employment Practices Liability (EPL) Policy?. Accessed 2026-09-23.
2. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
3. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
4. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
5. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.

### Sources About Lockton

6. [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.

Updated 2026-09-25. 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/amelia-risk-vs-lockton/employment-practices.md)
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