Beazley vs 
Lockton Employment Practices Liability Insurance
Beazley underwrites EPL with a wage-and-hour defense sublimit; Lockton brokers EPL and a separate wage-and-hour product.
What Is Beazley?
Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. 1,2,3,4
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. 6,7,8
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 10
Key Differences in Employment Practices Liability Insurance
Who Carries the Risk
Beazley underwrites employment practices liability. Lockton designs EPL programs as risk advisor and broker and does not underwrite the coverage it places. Lockton’s reviewed sources do not name the carriers it uses. 5 9
Wage-and-Hour Structure
Beazley puts a wage-and-hour defense-costs sublimit on the EPL form, subject to underwriting, and sells standalone wage-and-hour indemnity through Workplace Protect. Lockton says wage-and-hour claims are typically excluded from EPL and that it separately places standalone wage-and-hour coverage for misclassification and unpaid overtime. 5 9
Stated Appetite
Beazley says it considers employers in all industries with up to 30,000 employees, with no stated headcount cap for staffing firms, and names harder-to-place classes such as law firms, hospitality, healthcare, retail and transportation. Lockton says any organization that engages people for hire—regardless of size, industry, location, union participation or contractor use—should consider EPL. 5 9
Claims Teams
Beazley lists dedicated employment claims personnel who work with outside employment lawyers. Lockton’s Professional & Executive Risk Claims team embeds insurance and claims counsel in the broking team from the start of the engagement, which Lockton says is meant to prepare a claims strategy before an EPL claim arises. 5 9
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask Lockton which markets it will approach. 9
- Confirm whether wage-and-hour is a Beazley defense sublimit, Workplace Protect indemnity, or a Lockton-placed standalone policy. 5 9
- Ask whether third-party, punitive and immigration terms on a Lockton placement match Beazley’s issued wording. 9 5
- Get the issuing insurer and limit. Beazley advertises up to $20 million; Lockton’s reviewed sources do not publish a carrier name or limit. 5 9
Offering Details
Beazley vs Lockton Employment Practices Liability Insurance: documented features by provider
| Criteria | Beazley Employment Practices Liability | Lockton Employment Practices Liability (EPL) Insurance Brokerage |
|---|---|---|
| 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. 5,3Company-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. 9Company-reported. EPL product page as read 2026-09-23. |
| Issuing Insurer | The EPL product page does not name the specific Beazley insurance entity that issues the policy. 5Not found in reviewed sources. EPL page as read on 2026-09-23; the issued policy's declarations control the actual insurer. | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. 9Not publicly disclosed. EPL product page checked 2026-09-23. |
| 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. 5Company-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. 9Company-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. 5Company-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. 5Company-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. 9Company-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 | Beazley advertises EPL limits up to US $20 million. The reviewed page does not publish standard retentions. 5Company-reported. Advertised maximum capacity, not a guaranteed quote amount or published retention. | Not described in the reviewed sources. |
| Risk Services | EPL policyholders get free access to BeazleySure, Beazley's online risk-management platform, which the EPL page says includes sexual harassment training, a telephone hotline, wage-and-hour tutorials, and model policies and procedures in English and Spanish. 5Company-reported. EPL product page service description; actual entitlements depend on the policy purchased. | Not described in the reviewed sources. |
| How to Apply | Beazley lists an ExecuGuard application, an EPL renewal application and a staffing supplemental application as downloadable tools on the EPL page; the reviewed page does not describe a self-service online quoting flow for new business. 5Company-reported. EPL product page Tools & Resources section as read on 2026-09-23. | Not described in the reviewed sources. |
| 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. 5Company-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. 9Company-reported. EPL product page as read 2026-09-23. |
Full Comparison
More Beazley vs Lockton Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Beazley
- MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available. Accessed 2026-09-23.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- Employment Practices Liability. Beazley; What we offer: employment law experts, superior claims handling, BeazleySure; How can we help: duty to defend/pay on behalf, industry-specific wordings, sublimits; Who we can help; Where is this offered: Worldwide; Tools & Resources. Accessed 2026-09-23.
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.
