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

Beazley insures EPL nationwide, while Lockton designs programs for any organization with employees and describes the scope of coverage it places.

Beazley writes EPL itself for employers of up to 30,000 staff, with a wage-and-hour defense-cost sublimit and separate Workplace Protect indemnity; Lockton is a broker that shops your EPL program and places standalone wage-and-hour cover. ^1,^2,³

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

One Insurer's Appetite vs a Broker Shopping Several

Beazley writes EPL itself and considers employers in all industries with up to 30,000 employees, with no headcount cap for staffing firms. It names harder-to-place classes such as law firms, hospitality, healthcare, retail and transportation, and advertises limits up to $20 million. Lockton is a broker that designs EPL programs for any employer, regardless of size, industry, union status or contractor use, and doesn't name the insurers it uses. Choose Beazley if you're in one of its named hard-to-place industries and want a known insurer and limit; choose Lockton if you want a broker to compare several markets and build a program around your workforce. ¹ ³

Wage-and-Hour Defense Sublimit vs Standalone Policy

Beazley puts a wage-and-hour defense-cost sublimit on its EPL form and sells wage-and-hour indemnity separately through Workplace Protect. Lockton says EPL usually excludes wage-and-hour claims, so it places a standalone policy for misclassification and unpaid overtime. Either way, a defense sublimit alone won't pay a settlement, so ask what each quote pays. ¹ ³

Insurer Claims Staff vs Broker Claims Counsel

Beazley has dedicated employment claims staff who work with outside employment lawyers. Lockton's Professional & Executive Risk Claims team puts insurance and claims counsel on your account from the start, which Lockton says prepares a claims strategy before a claim arises. ¹ ³

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

Ask Lockton which insurers it will approach and what limit each offers. ³
Ask whether wage-and-hour is a Beazley defense sublimit, Workplace Protect indemnity or a Lockton-placed standalone policy. ¹ ³
Ask whether third-party, punitive-damages and immigration terms on a Lockton placement match Beazley's wording. ³ ¹

Beazley vs Lockton Employment Practices Liability Insurance Compared

Beazley vs Lockton: Employment Practices Liability Insurance: documented features by provider

Criteria	Beazley Employment Practices Liability	Lockton Employment Practices Liability (EPL) Insurance Brokerage
Who It’s For	Beazley says it considers employers in all industries with up to 30,000 employees, with no stated employee-count limit for staffing firms, and describes an appetite for harder-to-place classes such as law firms, hospitality, high-tech, healthcare, retail and transportation; healthcare risks are instead written through Beazley Remedy. ¹Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant.	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. ³Company-reported. EPL product page as read 2026-09-23.
Coverage Features	The EPL policy covers a broad range of discrimination, harassment and other "inappropriate employment conduct" claims, lets the policyholder choose between "duty to defend" and "pay on behalf" claim handling, and includes industry-specific wordings for classes such as law firms, accountants, staffing firms and PEOs. ¹Company-reported. EPL product page coverage description; exclusions and conditions are set by the issued policy. Beazley lists sublimited extensions for immigration-practices defense costs and OSHA proceedings, and a wage-and-hour defense-costs sublimit subject to underwriting; standalone wage-and-hour indemnity (not just defense costs) is sold separately through Beazley's Workplace Protect product. ¹Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote.	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. ³Company-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	Beazley underwrites employment practices liability (EPL) coverage as a standalone product on its dedicated EPL page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and fiduciary liability. ^1,²Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular policy.	Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. ³Company-reported. EPL product page as read 2026-09-23.
Claims Support	Beazley says it has dedicated employment claims personnel, including a named EPL claims focus-group leader, who work with outside employment lawyers across the country to resolve claims; no claims-outcome statistics are published on the page. ¹Company-reported. EPL product page team listing; claims-handling quality is not independently assessed.	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. ³Company-reported. EPL product page as read 2026-09-23.