---
title: "Beazley vs Lockton: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/beazley-vs-lockton/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-lockton"
provider-a: "beazley"
provider-b: "lockton"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-lockton/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Beazley 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 Beazley versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Lockton for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Beazley or Lockton?
- What does Beazley or Lockton publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Beazley and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Beazley vs Lockton](https://spot.insure/compare/beazley-vs-lockton) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 up to 30,000 staff with limits up to $20 million, while Lockton is a broker that designs EPL programs and places wage-and-hour cover separately.

## Beazley vs Lockton Employment Practices Liability Insurance Summary

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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### 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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### 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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask whether wage-and-hour is a Beazley defense sublimit, Workplace Protect indemnity or a Lockton-placed standalone policy. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask whether third-party, punitive-damages and immigration terms on a Lockton placement match Beazley's wording. [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability")

## Beazley vs Lockton Employment Practices Liability Insurance Compared

| 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](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 | 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: EPL product page coverage description; exclusions and conditions are set by the issued policy..)<br><br>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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](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..) |
| 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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [3](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..) |
| 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](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..) |

## About Beazley and Lockton and Employment Practices Liability Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Beazley vs Lockton Employment Practices Liability

- [Beazley vs Lockton](https://spot.insure/compare/beazley-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.
- [Beazley Employment Practices Liability Insurance](https://spot.insure/insurance-providers/beazley/employment-practices)
- [Lockton Employment Practices Liability Insurance](https://spot.insure/insurance-providers/lockton/employment-practices)

## Sources for Beazley vs Lockton

### Sources About Beazley

1. [Employment Practices Liability](https://www.beazley.com/en-US/products/executive-risk-usa/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.
2. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-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.

### Sources About Lockton

3. [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.

Updated 2026-09-25. 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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