Chubb vs 
Lockton: How Do They Compare for Employment Practices Liability Insurance?
Chubb insures EPL with broad claim coverage, while Lockton designs policies for organizations with employees and describes their scope.
Chubb writes EPL itself inside its ForeFront package for private, nonprofit and healthcare organizations, and its form covers claims from independent contractors; Lockton is a broker that designs the program and places wage-and-hour cover separately. Lockton embeds claims counsel from the start. 1,3
What Are the Key Differences Between Chubb and Lockton Employment Practices Liability Insurance?
One Insurer’s Package vs a Broker-Designed Program
Chubb underwrites EPL as one coverage part of ForeFront Portfolio, aimed at private companies, nonprofits and healthcare organizations, and you buy it through an appointed agent or broker. Lockton designs EPL programs as a broker, doesn’t underwrite, and says any organization that hires people should consider EPL. Choose Chubb if you are a private company, nonprofit or healthcare organization that wants EPL packaged with D&O from one insurer; choose Lockton if you want a broker to build a program across insurers, including separate wage-and-hour cover. 1 2 3
Contractor Claims vs Separate Wage-and-Hour Policy
Chubb’s form covers claims from past, present and prospective employees and independent contractors, plus early-engagement costs before a claim is formally filed. Lockton says wage-and-hour claims are typically excluded from EPL, so it places a standalone wage-and-hour policy; its typical placed EPL covers employee claims, investigations, third-party harassment, punitive damages where insurable and immigration-related claims. If you use many contractors, Chubb’s wording addresses them directly; if wage-and-hour is your biggest risk, Lockton names the fix. 1 3
Defense Choice vs Claims Counsel on Your Team
Chubb offers a Duty to Defend by Chubb option and covers a written request to toll or waive a statute of limitations. Lockton puts insurance and claims counsel inside the broking team from the start, which it says sets a claims strategy before an employee sues. Chubb also gives policyholders ChubbWorks, an online loss-prevention library. Neither publishes limits or retentions. 1 3
What Should You Confirm in Chubb and Lockton Employment Practices Liability Insurance Quotes?
- Ask Lockton whether its quote includes third-party, immigration and punitive-damage cover, and whether contractor claims are covered as on Chubb’s form. 1 3
- Ask Lockton what the separate wage-and-hour policy pays beyond defense and what it costs. 3
- Ask Lockton which insurers it would use; Chubb’s policies are issued by its own companies. 1 3
- Ask Chubb which defense option you are quoted and whether early-engagement costs reduce the limit. 1
Chubb vs Lockton Employment Practices Liability Insurance Compared
Chubb vs Lockton: Employment Practices Liability Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Employment Practices Liability Insurance | Lockton Employment Practices Liability (EPL) Insurance Brokerage |
|---|---|---|
| Coverage Features | Chubb says the policy covers EPL claims brought by past, present and prospective employees and independent contractors, uses a broad definition of "Employment Practices Wrongful Act," and includes early-engagement expense coverage for pre-matter and pre-tender expenses or early-settlement opportunity costs. 1Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the EPL form builds in defense-provision optionality, including a Duty to Defend by Chubb option, and coverage for a written request to toll or waive a statute of limitations. 1Company-reported. Coverage Highlights list. | 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 | Chubb underwrites Employment Practices Liability (EPL) insurance as one of seven coverage parts within its ForeFront Portfolio, providing coverage aimed at private companies, not-for-profit organizations and healthcare organizations. 1Company-reported. ForeFront Portfolio EPL product sheet. | 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. |
