--- title: "The Baldwin Group vs Lockton: Employment Practices Liability Insurance" description: "Lockton describes third-party and investigation coverage plus separate wage-and-hour protection; Baldwin’s public description leaves EPL wording and terms to the proposed placement." canonical: "https://spot.insure/compare/baldwin-vs-lockton/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-lockton" provider-a: "baldwin" provider-b: "lockton" coverage-line: "employment-practices" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/baldwin-vs-lockton/employment-practices) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group 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 The Baldwin Group versus Lockton. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - The Baldwin Group vs Lockton for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, The Baldwin Group or Lockton? - What does The Baldwin Group or Lockton publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from The Baldwin Group or Lockton? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: The Baldwin Group and Lockton. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [The Baldwin Group vs Lockton](https://spot.insure/compare/baldwin-vs-lockton) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence) - [The Baldwin Group vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-lockton/cargo-transit) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Lockton Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-lockton/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Lockton Crime Insurance](https://spot.insure/compare/baldwin-vs-lockton/crime) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Lockton Cyber Insurance](https://spot.insure/compare/baldwin-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Lockton General Liability Insurance](https://spot.insure/compare/baldwin-vs-lockton/general-liability) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-lockton/representations-warranties) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Lockton Surety Bonds](https://spot.insure/compare/baldwin-vs-lockton/surety-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/employment-practices) — sibling comparison (other line, or other pair for this line) - [Aon vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs Lockton: How Do They Compare for Employment Practices Liability Insurance? Lockton describes third-party and investigation coverage plus separate wage-and-hour protection; Baldwin’s public description leaves EPL wording and terms to the proposed placement. ## Research Scope and Use Use this comparison to evaluate The Baldwin Group 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 Lockton’s typical EPL scope includes employee, investigation and third-party allegations, with separate wage-and-hour coverage; The Baldwin Group lists EPL as a brokerage option without public policy terms. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) 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](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance") [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) ## 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](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? 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](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [10](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [11](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ## 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? ## Offering Details | 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](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: 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. [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 | Confirm in your quote. | 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 | 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](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: 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. [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 | 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](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: 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. [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 | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Not publicly disclosed; scope: 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](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [4](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") (Evidence: Company-reported; scope: 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. [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 - [The Baldwin Group vs Lockton](https://spot.insure/compare/baldwin-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. - [The Baldwin Group vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-lockton/cargo-transit) - [The Baldwin Group vs Lockton Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-lockton/commercial-property) - [The Baldwin Group vs Lockton Crime Insurance](https://spot.insure/compare/baldwin-vs-lockton/crime) - [The Baldwin Group vs Lockton Cyber Insurance](https://spot.insure/compare/baldwin-vs-lockton/cyber) - [The Baldwin Group vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-lockton/fiduciary) - [The Baldwin Group vs Lockton General Liability Insurance](https://spot.insure/compare/baldwin-vs-lockton/general-liability) - [The Baldwin Group vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-lockton/representations-warranties) - [The Baldwin Group vs Lockton Surety Bonds](https://spot.insure/compare/baldwin-vs-lockton/surety-bonds) - [The Baldwin Group vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-lockton/workers-compensation) - [AIG vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/employment-practices) - [AIG vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-lockton/employment-practices) - [Alliance Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices) - [Amelia Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices) - [Aon vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/employment-practices) - [Aon vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-lockton/employment-practices) ## Sources ### The Baldwin Group 1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). 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. 2. [Business Insurance](https://baldwin.com/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. 3. [Professional Liability Insurance & Services](https://baldwin.com/business-insurance/industries/professional-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. 4. [Commercial Real Estate Insurance & Risk Management](https://baldwin.com/business-insurance/industries/real-estate/). 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 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. 10. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). 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. 11. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). 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. Updated 2026-09-30. 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. ## The Baldwin Group Reviews Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/reviews). ## Lockton Reviews Review Score: 8.4 / 10 from 3 rated sources, equally weighted. Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict. - BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971) - ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/) - Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/baldwin-vs-lockton/employment-practices.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)