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

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

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

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Chubb 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:**
- [Chubb vs Lockton](https://spot.insure/compare/chubb-vs-lockton) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 its own EPL for private, nonprofit and healthcare organizations and covers contractor claims, while Lockton brokers EPL programs and buys wage-and-hour cover as a separate policy.

## Chubb vs Lockton Employment Practices Liability Insurance Summary

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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### 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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### 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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask Lockton what the separate wage-and-hour policy pays beyond defense and what it costs. [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask Lockton which insurers it would use; Chubb’s policies are issued by its own companies. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask Chubb which defense option you are quoted and whether early-engagement costs reduce the limit. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance")

## Chubb vs Lockton Employment Practices Liability Insurance Compared

| 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list; subject to the policy as issued..)<br><br>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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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. [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 Chubb and Lockton and Employment Practices Liability Insurance

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/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 Chubb vs Lockton Employment Practices Liability

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

## Sources for Chubb vs Lockton Employment Practices Liability Insurance

### Sources About Chubb

1. [The ForeFront Portfolio — Employment Practices Liability Insurance](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf). Chubb; Employment Practices Liability Coverage Highlights; Misconception/Reality section; insurer disclosure line naming Federal Insurance Company. Accessed 2026-09-23.
2. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available Coverages: Employment Practices Liability Insurance listed among the ForeFront Portfolio's seven coverage parts. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/chubb-vs-lockton/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)