Chubb vs 
Lockton Employment Practices Liability Insurance
Chubb underwrites ForeFront EPL, including contractor claims; Lockton brokers programs and places wage-and-hour separately.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
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 Issues the Policy
Chubb underwrites Employment Practices Liability as a coverage part inside ForeFront Portfolio, with the product sheet naming Federal Insurance Company and U.S. Chubb affiliates as insurers. Lockton designs EPL programs as a risk advisor and broker and does not underwrite the coverage it places; its reviewed page does not name the carriers it uses. 4 9
Independent Contractors and Wage-and-Hour
Chubb says its form answers claims from past, present and prospective employees and independent contractors, and it describes early-engagement expense coverage for pre-matter costs. Lockton describes a typical placed EPL policy as covering employee claims, official investigations, third-party discrimination or harassment, punitive damages where insurable, and immigration-related employment claims, and it places standalone wage-and-hour coverage because those claims are typically excluded from EPL. 4 9
Defense Options and Claims Counsel
Chubb lists a Duty to Defend by Chubb option and coverage for a written request to toll or waive a statute of limitations. Lockton’s Professional & Executive Risk Claims team puts insurance and claims counsel inside the broking team from the start, which Lockton says is meant to set a claims strategy before an EPL claim is filed. Neither reviewed page publishes policy limits or retentions. 4 9
How You Buy
You reach Chubb’s EPL part through an appointed agent or broker as part of ForeFront. You work with Lockton as the broker that shops and structures the program; Lockton says any organization that hires people should consider EPL, without a size cutoff. 5 9
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask whether independent-contractor claims sit on Chubb’s form as described, and whether Lockton’s quote includes third-party, immigration, and punitive-damage grants. 4 9
- Ask Lockton whether wage-and-hour is a separate policy and what that policy pays besides defense. 9
- Confirm the issuing insurer: Chubb’s sheet names Federal Insurance Company and affiliates; Lockton’s page does not name carriers. 4 9
- Ask Chubb which defense option applies and whether early-engagement expenses are inside or outside the limit. 4
Offering Details
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 |
|---|---|---|
| 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. 4Company-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. 9Company-reported. EPL product page as read 2026-09-23. |
| Issuing Insurer | Chubb's EPL product sheet states that insurance is provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. 4Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy. | 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 | Not described in the reviewed sources. | 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 | 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. 4Company-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. 4Company-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. 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 | The reviewed product sheet illustrates claim scenarios (settlements ranging from under $1 million to $350,000, with defense costs shown separately) but does not publish specific policy limits or retentions. 4Not found in reviewed sources. Claims Scenarios section; illustrative examples, not policy terms. | Not described in the reviewed sources. |
| Risk Services | Chubb says EPL policyholders get access to ChubbWorks, a free online resource with loss-prevention tools for employment and employee issues, and integrated global coverage capabilities through Chubb's affiliated broker network for locally admitted policies where permissible. 4Company-reported. Coverage Highlights list; company-described service program. | Not described in the reviewed sources. |
| How to Apply | Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. 5Company-reported. ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally. | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | 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 Chubb vs Lockton Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- The ForeFront Portfolio — Employment Practices Liability Insurance. Chubb; Employment Practices Liability Coverage Highlights; Misconception/Reality section; insurer disclosure line naming Federal Insurance Company. Accessed 2026-09-23.
- The ForeFront Portfolio. Chubb; Available Coverages: Employment Practices Liability Insurance listed among the ForeFront Portfolio's seven coverage parts. 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.
