Coalition vs 
Lockton Employment Practices Liability Insurance
Coalition’s EPL is an Executive Risks product with $10 million limits; Lockton brokers EPL and places wage-and-hour as its own coverage.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 1,2,3,4
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 Underwrites
Coalition designs and distributes Executive Risks EPL. Lockton designs EPL insurance programs as risk advisor and broker and does not underwrite the coverage it places; its EPL page does not name carriers. Coalition names Zurich American Insurance Company for admitted Executive Risks, with non-admitted unaffiliated placements also possible. 4 5 9
Typical Grants Versus Four Named Perils
Lockton says a typical placed EPL policy covers legal defense for employee claims and official employment investigations, third-party discrimination or harassment from non-employees, punitive damages where insurable, and immigration-related employment claims, and it separately offers standalone wage-and-hour for misclassification and unpaid overtime. Coalition lists wrongful termination, discrimination, harassment and retaliation, and its reviewed pages do not describe wage-and-hour, immigration, or punitive-damage grants. 9 4
Size Rules and Pre-Claim Help
Lockton says any organization that engages people for hire, regardless of size, industry, location, union participation or independent contractors, faces employment-related risk. Coalition’s Executive Risks EPL is limited to private and not-for-profit U.S. organizations with up to 1,000 employees and up to $500 million in assets, with limits up to $10 million possibly available. Lockton integrates insurance and claims counsel in the broking team from the start. Coalition includes an HR hotline, training and handbook builder. 9 4
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask Lockton whether third-party, immigration, punitive-damage and standalone wage-and-hour grants are on the quote. 9
- Ask Coalition whether those same grants exist on the Executive Risks form. 4
- Confirm Lockton’s issuing insurer; Coalition’s admitted path names Zurich American. 9 5
- Check Coalition’s 1,000-employee cap against Lockton’s no-size-cutoff statement. 4 9
Offering Details
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 |
|---|---|---|
| Role in This Line | Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 4Company-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. 9Company-reported. EPL product page as read 2026-09-23. |
| Issuing Insurer | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific EPL policy depends on the placement route. 5Company-reported. U.S. Disclaimers page as read on 2026-09-23. | 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 | 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. 4Company-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. 9Company-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. 4Company-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. 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 | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | Not described in the reviewed sources. |
| Risk Services | Coalition says Executive Risks policyholders, including EPL buyers, get a customized risk assessment, a hotline for assistance with HR-related issues, employee training, and a handbook builder, which are specifically relevant to reducing employment-practices exposure. 4Company-reported. Executive Risks page and FAQ as read on 2026-09-23. | Not described in the reviewed sources. |
| How to Apply | Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | 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 Coalition vs Lockton Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Employment Practices Liability (EPL) — protects against claims of wrongful termination, discrimination, harassment, retaliation, and more; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). 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.
