---
title: "Amelia Risk vs Lockton Employment Practices Liability Insurance"
description: "Amelia Risk times EPL for companies at five to ten employees; Lockton says any organization that engages people for hire should consider EPL."
canonical: "https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Amelia Risk vs Lockton Employment Practices Liability Insurance

Amelia Risk times EPL for companies at five to ten employees; Lockton says any organization that engages people for hire should consider EPL.

## Research Scope and Use

Use this comparison to evaluate Amelia 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

Amelia Risk brokers EPL for startups and tech employers with buy-timing around five to ten employees. Lockton designs EPL programs as a risk advisor for organizations of any size and describes typical placed features including third-party claims, insurable punitive damages, immigration claims and a separate wage-and-hour product, plus an embedded Professional & Executive Risk Claims team. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [12](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-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. [9](https://global.lockton.com/us/en "Lockton United States") [10](https://global.lockton.com/us/en/technology "Technology") [11](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. [13](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Who Should Consider the Line

Amelia Risk’s public timing is specific: buy around five to ten employees, earlier in California and New York. 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. Both broker rather than underwrite. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [12](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### Typical Placed Terms

Amelia Risk summarizes employee-side claim types. Lockton’s typical-policy description includes defense for employee claims and official employment investigations, third-party discrimination or harassment from non-employees, punitive damages where insurable, and immigration-related employment claims, plus standalone wage-and-hour for misclassification and unpaid overtime because those claims are typically excluded from EPL. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [12](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### Claims Counsel Inside the Broker Team

Lockton says its Professional & Executive Risk Claims team integrates insurance and claims counsel from the start of the engagement so strategy exists before a claim. Amelia Risk’s EPL page does not describe an EPL-specific claims process. Neither page names the issuing insurer. [12](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask whether contractors and third-party claimants are covered; Lockton’s typical description includes them, Amelia Risk’s summary does not. [12](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)")
- Confirm if wage-and-hour is a separate Lockton product or inside Amelia Risk’s placed form. [12](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)")
- Get both carriers. [12](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)")
- Ask how punitive damages and immigration grants would apply in your states. [12](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## Offering Details

| Criteria | Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage | Lockton Employment Practices Liability (EPL) Insurance Brokerage |
| --- | --- | --- |
| 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. [4](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. [12](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 pages do not name an insurer for EPL placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to EPL specifically. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Not publicly disclosed; scope: EPL product page, checked 23 September 2026..) | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. [12](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 | Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [7](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](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. [4](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. [12](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. [4](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. [12](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..) |
| Risk Services | The reviewed EPL page doesn't describe HR-related risk-control services, such as handbook or policy review, specific to EPL policyholders beyond the coverage description itself. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Not found in reviewed sources; scope: EPL product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them..) | Not described in the reviewed sources. |
| Claims Support | The reviewed EPL page does not describe a claims-handling process specific to employment-practices claims. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Not found in reviewed sources; scope: EPL product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not EPL-specific..) | 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. [12](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

- [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): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Amelia Risk vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cargo-transit)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber)
- [Amelia Risk vs Lockton D&O Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/directors-officers)
- [Amelia Risk vs Lockton General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/general-liability)
- [Amelia Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/product-liability)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-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 Lockton Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices)
- [Amelia Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/employment-practices)
- [Amelia Risk vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/employment-practices)
- [Amelia Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/employment-practices)
- [Amelia Risk vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/employment-practices)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [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.
5. [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.
6. [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.
7. [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.
8. [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.

### Lockton

9. [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.
10. [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.
11. [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.
12. [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

13. [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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