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

Coverdash arranges EPLI quotes from a panel of insurers for businesses with employees and says coverage is often bundled with D&O. Lockton designs EPL programs for organizations that hire people and says typical policies cover legal defense costs and damages.

Coverdash quotes EPLI for core employee claims like wrongful termination, discrimination and harassment from a panel of insurers. Lockton designs broader EPL programs that typically add investigations, third-party harassment, punitive damages and immigration claims, and sells wage-and-hour cover separately. ^1,²

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

Panel Quote vs Designed Program

Coverdash quotes EPLI from insurers on its panel and places the policy for you. Lockton designs EPL programs as a risk advisor and broker. Neither names the insurer that would issue your policy. Choose Coverdash if you want a quick quote for standard employee claims; choose Lockton if you need third-party, immigration or wage-and-hour cover designed around your workforce. ¹ ²

Core Claims vs Broader Grants

Coverdash covers wrongful termination, discrimination, harassment, retaliation and failure-to-promote claims, plus defense costs. Lockton says a typical policy it places also covers official employment investigations, discrimination or harassment by non-employees, punitive damages where insurable, and immigration-related employment claims. Coverdash doesn't mention those extras. ¹ ²

Wage-and-Hour and Claims Counsel

Lockton offers standalone wage-and-hour cover for misclassification and unpaid overtime, because EPL policies typically exclude those claims. Coverdash doesn't say how it treats wage-and-hour. Lockton's Professional & Executive Risk Claims team puts claims counsel on your broking team from the start; Coverdash doesn't describe that support. ² ¹

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

Ask Lockton whether your form includes third-party, punitive (where insurable) and immigration grants, and whether wage-and-hour is a separate policy. ²
Ask Coverdash whether its panel forms cover official investigations or third-party harassment. ¹ ²
Ask Coverdash who helps you if a claim comes in. ² ¹
Get insurer names and limits from both. ² ¹

Coverdash vs Lockton Employment Practices Liability Insurance Compared

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

Criteria	Coverdash Employment Practices Liability Insurance	Lockton Employment Practices Liability (EPL) Insurance Brokerage
Who It’s For	Coverdash markets EPLI to any business with employees, saying the coverage becomes relevant as soon as a business starts hiring. ¹Company-reported. Who it's for section; a general target-market statement, not a jurisdiction- or industry-specific eligibility rule.	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. ²Company-reported. EPL product page as read 2026-09-23.
Coverage Features	Coverdash describes the EPLI policy as covering wrongful-termination, discrimination and harassment claims, plus retaliation and failure-to-promote claims and the cost of legal defense. ¹Company-reported. Types of Coverage cards on the product page; exclusions, defense-cost structure and per-claim conditions are not described and would appear on the issued policy. Coverdash says EPLI is often bundled into a management liability policy alongside D&O and fiduciary coverage, but it can also be bought on its own. ¹Company-reported. EPLI FAQ answer to 'Is EPLI part of management liability?'.	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. ²Company-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	Coverdash arranges employment practices liability (EPLI) quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its EPLI page and it places coverage on your behalf. ¹Company-reported. Coverdash's EPLI product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote.	Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. ²Company-reported. EPL product page as read 2026-09-23.

Criteria

Coverdash Employment Practices Liability Insurance

Lockton Employment Practices Liability (EPL) Insurance Brokerage

Who It’s For

Coverdash markets EPLI to any business with employees, saying the coverage becomes relevant as soon as a business starts hiring. ¹Company-reported. Who it's for section; a general target-market statement, not a jurisdiction- or industry-specific eligibility rule.

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. ²Company-reported. EPL product page as read 2026-09-23.

Coverage Features

Coverdash describes the EPLI policy as covering wrongful-termination, discrimination and harassment claims, plus retaliation and failure-to-promote claims and the cost of legal defense. ¹Company-reported. Types of Coverage cards on the product page; exclusions, defense-cost structure and per-claim conditions are not described and would appear on the issued policy.

Coverdash says EPLI is often bundled into a management liability policy alongside D&O and fiduciary coverage, but it can also be bought on its own. ¹Company-reported. EPLI FAQ answer to 'Is EPLI part of management liability?'.

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. ²Company-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

Coverdash arranges employment practices liability (EPLI) quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its EPLI page and it places coverage on your behalf. ¹Company-reported. Coverdash's EPLI product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote.

Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. ²Company-reported. EPL product page as read 2026-09-23.