Coalition vs Lockton: How Do They Compare for Employment Practices Liability Insurance?

Coalition offers EPL within Executive Risks for private and nonprofit organizations, with support from its risk-management platform. Lockton designs EPL programs for organizations that hire people and describes typical policies as covering legal defense costs and damages.

Coalition sells a defined EPL product with limits up to $10 million and HR tools, but only for private and nonprofit US organizations up to 1,000 employees and $500 million in assets. Lockton is a broker with no size cutoff that places third-party, immigration and standalone wage-and-hour cover. ^1,³

What Are the Key Differences Between Coalition and Lockton Employment Practices Liability Insurance?

Capped Eligibility vs No Size Cutoff

Coalition's Executive Risks EPL is limited to private and nonprofit US organizations with up to 1,000 employees and $500 million in assets, with limits up to $10 million. Lockton, a broker that doesn't underwrite, says any organization that hires people faces employment risk, regardless of size, industry, location, union status or contractor use. Choose Coalition if you're under its caps and want a defined product with HR tools; choose Lockton if you're public, larger, or need wage-and-hour cover. ¹ ³

Broad Placed Grants vs Four Named Perils

Lockton says a typical EPL policy it places covers defense of employee claims and official employment investigations, third-party discrimination or harassment by non-employees, punitive damages where insurable, and immigration-related employment claims. It also offers standalone wage-and-hour cover for misclassification and unpaid overtime, which EPL typically excludes. Coalition lists wrongful termination, discrimination, harassment and retaliation, and doesn't describe wage-and-hour, immigration or punitive-damage grants. ³ ¹

HR Hotline and Handbook Builder vs Claims Counsel on the Team

Coalition includes an HR hotline, training and a handbook builder to help prevent claims. Lockton puts insurance and claims counsel on the broking team from the start, so you have advocates when a claim lands. ¹ ³

What Should You Confirm in Coalition and Lockton Employment Practices Liability Insurance Quotes?

Ask Lockton whether third-party, immigration, punitive-damage and standalone wage-and-hour grants are on your quote. ³
Ask Coalition whether those same grants exist on the Executive Risks form. ¹
Ask Lockton which insurer it's placing with; Coalition names Zurich American Insurance Company for its admitted (state-licensed) policies but may also place with unaffiliated insurers. ³ ²
Check your headcount and assets against Coalition's 1,000-employee and $500 million caps before quoting. ¹ ³

Coalition vs Lockton Employment Practices Liability Insurance Compared

Coalition vs Lockton: Employment Practices Liability Insurance: documented features by provider

Criteria	Coalition Executive Risks — Employment Practices Liability (EPL)	Lockton Employment Practices Liability (EPL) Insurance Brokerage
Who It’s For	Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23.	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. ³Company-reported. EPL product page as read 2026-09-23.
Coverage Features	Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ¹Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms.	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	Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	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.