Coverdash vs 
Lockton Employment Practices Liability Insurance
Coverdash quotes panel EPLI; Lockton designs EPL programs with typical third-party, punitive and immigration grants and separate wage-and-hour.
What Is Coverdash Insurance?
Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. 1,2,3
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. 5,6,7
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 9
Key Differences in Employment Practices Liability Insurance
Underwriting Role
Coverdash quotes EPLI from insurers on its panel and places the policy on your behalf. Lockton designs EPL insurance programs as risk advisor and broker and does not underwrite the coverage it places. Neither reviewed page names the issuing carrier. 4 8
Typical Policy Features Versus Catalogue Claims
Coverdash describes coverage for wrongful-termination, discrimination, harassment, retaliation and failure-to-promote claims and defense costs. Lockton says a typical EPL policy it places 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. Coverdash’s page does not mention investigations, punitive damages or immigration wording. 4 8
Wage-and-Hour and Claims Counsel
Lockton separately offers standalone wage-and-hour coverage for misclassification and unpaid overtime, because those claims are typically excluded from EPL policies. Coverdash’s EPLI page does not describe wage-and-hour treatment. Lockton’s Professional & Executive Risk Claims team integrates insurance and claims counsel in the broking team from the start of the engagement. Coverdash’s reviewed page does not describe integrating claims counsel before a claim. 8 4
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask Lockton whether the placed EPL form includes third-party, punitive (where insurable) and immigration grants, and whether wage-and-hour is a separate policy. 8
- Ask Coverdash whether the panel form covers official investigations or third-party harassment, items Lockton names as typical. 4 8
- Confirm how claims counsel would be involved: Lockton says its team is integrated from the start; Coverdash’s page does not describe that step. 8 4
- Get insurer names and limits from both; Lockton’s EPL page does not name carriers, and Coverdash does not name the panel issuer for this line. 8 4
Offering Details
Coverdash vs Lockton Employment Practices Liability Insurance: documented features by provider
| Criteria | Coverdash Employment Practices Liability Insurance | Lockton Employment Practices Liability (EPL) Insurance Brokerage |
|---|---|---|
| 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. 4Company-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. 8Company-reported. EPL product page as read 2026-09-23. |
| Issuing Insurer | The EPLI page does not name an issuing insurer for the policy. Coverdash markets a panel of carriers generally, but not which one underwrites a particular EPLI quote. 4Not publicly disclosed. Checked the EPLI product page on 2026-09-23; no insurer is disclosed there. | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. 8Not publicly disclosed. EPL product page checked 2026-09-23. |
| Who It’s For | Coverdash markets EPLI to any business with employees, saying the coverage becomes relevant as soon as a business starts hiring. 4Company-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. 8Company-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. 4Company-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. 4Company-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. 8Company-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 | The EPLI page does not publish limit, retention or deductible amounts for the policy. 4Not publicly disclosed. Checked the EPLI product page on 2026-09-23; limits and retentions are not shown there and would appear on a quote. | Not described in the reviewed sources. |
| How to Apply | You request an EPLI quote through a 'Get a quote' flow on the product page; the page does not describe any additional line-specific application steps beyond Coverdash's general online quoting process. 4Company-reported. EPLI product page calls to action, read together with the provider record's general application facts. | 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. 8Company-reported. EPL product page as read 2026-09-23. |
Full Comparison
More Coverdash vs Lockton Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Coverdash
- Frequently Asked Questions. Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
- About Us. Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
- Terms And Conditions. Coverdash; Sections 1–2 (entities, broker-of-record and exclusivity), 10 (policy controls coverage), 12–13 (producer role and payment before binding), 15–17 (no underwriting; certificates; summaries), 32 (automatic payments). Accessed 2026-09-15.
- Employment Practices Liability Insurance. Coverdash; Hero description; Types of Coverage: Wrongful termination, Discrimination, Harassment, Retaliation and more; Who it's for; FAQ: What does EPLI cover?, Do small businesses need EPLI?, Is EPLI part of management liability? 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.
