The Baldwin Group vs 
Lockton: How Do They Compare for Employment Practices Liability Insurance?
What Is the Baldwin Group?
Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. 1,2
Read the The Baldwin Group profile
Read the The Baldwin Group Employment Practices Liability Insurance page
What Is Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 5,6,7
Read the Lockton Employment Practices Liability Insurance page
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 9,10,11
Key Differences in Employment Practices Liability Insurance
Allegations and separate wage-and-hour cover
Lockton says typical EPL policies address employee claims, official investigations and third-party discrimination or harassment, and that it separately offers wage-and-hour coverage for misclassification and unpaid overtime. Baldwin lists EPL in its programs but does not specify these provisions. Ask Baldwin’s proposed insurer to address these allegations explicitly, and ask Lockton whether wage-and-hour is separately quoted. 8 3
Claim planning
Lockton says its Professional & Executive Risk Claims team integrates claims counsel into the brokerage team from the start, while Baldwin describes claims advocacy in its broader advisory service. Buyers should compare who will review policy wording and help plan a response before an employment dispute escalates. 8 3
What to Confirm in Employment Practices Liability Insurance Quotes
- What wage-and-hour limit and exclusions would Lockton quote? Which insurer, third-party definitions and pre-claim services would Baldwin include?
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
The Baldwin Group
Review Score
No reviews found
The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.[8][1][2][4][9][10]
Read The Baldwin Group reviewsLockton
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsOffering Details
The Baldwin Group vs Lockton: Employment Practices Liability Insurance: documented features by provider
| Criteria | Baldwin Employment Practices Liability Brokerage and Advisory | Lockton Employment Practices Liability (EPL) Insurance Brokerage |
|---|---|---|
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Employment Practices Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. 3,4Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement. | Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. 8Company-reported. EPL product page as read 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. 8Not publicly disclosed. EPL product page checked 2026-09-23. |
| Who It’s For | Baldwin lists professional-services firms and real-estate organizations among audiences whose coverage strategies may include employment-practices liability. The pages do not publish an eligibility schedule for an individual employer. 3,4Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. | 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. 8Company-reported. EPL product page as read 2026-09-23. |
| Coverage Features | Baldwin lists employment-practices liability as a coverage option in its professional-services and real-estate risk programs. It does not describe covered employment acts, third-party claims, limits or exclusions for a particular policy. 3,4Company-reported. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown. | 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. 8Company-reported. 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 | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. 3,4Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources. | Confirm in your quote. |
| Risk Services | Baldwin describes risk assessment, tailored coverage strategy and claims advocacy for the named business audiences. These broker services do not determine an insurer’s claim decision. 3,4Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established. | Confirm in your quote. |
| Claims Support | Confirm in your quote. | 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. 8Company-reported. EPL product page as read 2026-09-23. |
Full Comparison
More The Baldwin Group vs Lockton Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
The Baldwin Group
- The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025. U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28. Accessed 2026-09-28.
- Business Insurance. The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28. Accessed 2026-09-28.
- Professional Liability Insurance & Services. The Baldwin Group; Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29. Accessed 2026-09-30.
- Commercial Real Estate Insurance & Risk Management. The Baldwin Group; “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29. Accessed 2026-09-30.
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- 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.
- US 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.
- Employment practices liability (EPL) insurance. 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
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
