---
title: "Coalition vs Lockton: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-lockton/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-lockton"
provider-a: "coalition"
provider-b: "lockton"
coverage-line: "employment-practices"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Coalition 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 2026-09-29.

**Related pages:**
- [Coalition vs Lockton](https://spot.insure/compare/coalition-vs-lockton) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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's EPL has published limits up to $10 million for private and nonprofit employers up to 1,000 staff, while Lockton brokers EPL for any size and adds separate wage-and-hour cover.

## Coalition vs Lockton Employment Practices Liability Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask Coalition whether those same grants exist on the Executive Risks form. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Check your headcount and assets against Coalition's 1,000-employee and $500 million caps before quoting. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## Coalition vs Lockton Employment Practices Liability Insurance Compared

| 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [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..) |
| Coverage Features | Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [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 | Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [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 Coalition and Lockton and Employment Practices Liability

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

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

## Sources for Coalition vs Lockton

### Sources About Coalition

1. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). 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.
2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). 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.

### 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 2026-09-29. 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/coalition-vs-lockton/employment-practices.md)
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- [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)