Embroker vs 
Lockton Employment Practices Liability Insurance
Embroker lists wage-and-hour inside EPLI with Excelerator HR; Lockton treats wage-and-hour as typically excluded and sold standalone.
What Is Embroker?
Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. 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
Wage-and-Hour Treatment
Embroker lists wage-and-hour disputes among covered items and excludes back wages owed. Lockton separately offers standalone wage-and-hour coverage for misclassification and unpaid overtime because those claims are typically excluded from EPL policies. 4 8
Other Coverage Grants
Lockton says a typical placed EPL policy covers official employment investigations, third-party discrimination or harassment, punitive damages where insurable, and immigration-related employment claims. Embroker’s reviewed materials do not list immigration or official investigations among covered items. 8 4
Exclusions and Claims-Made
Embroker excludes criminal and civil fines or punitive damages, employee bodily injuries, and unemployment or workers’ compensation claims, and says most of its EPLI is claims-made. Lockton says punitive damages may be covered where insurable; its reviewed EPL materials do not state a claims-made versus occurrence rule. 4 8
How You Buy
Embroker quotes EPLI online. Lockton designs EPL programs as the client’s risk advisor and broker and does not underwrite. 4 8
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask both sides whether wage-and-hour is inside the EPL form or a separate policy, and whether indemnity is included. 4 8
- Ask whether punitive damages are insurable on the Lockton placement; Embroker lists them as excluded. 8 4
- Confirm immigration, third-party and investigation grants on each quote. 8 4
- Ask whether Excelerator is on the Embroker quote. Ask how Lockton’s Professional & Executive Risk Claims team would be assigned. Lockton’s reviewed materials do not name EPL carriers; Embroker’s do not name an issuer. 4 8
Offering Details
Embroker vs Lockton Employment Practices Liability Insurance: documented features by provider
| Criteria | Embroker Employment Practices Liability Insurance | Lockton Employment Practices Liability (EPL) Insurance Brokerage |
|---|---|---|
| Role in This Line | Embroker sells EPLI as a standalone policy and says it is often combined with D&O insurance into a management liability program, or added as a BOP endorsement for smaller businesses (with lower limits than a standalone policy). 4Company-reported. Product-page description; not a statement about the issuing insurer. | 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 | Not described in the reviewed sources. | 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 | Embroker says most businesses with employees qualify, but a business needs an in-depth anti-discrimination policy and a regularly revised employee handbook to be a good underwriting candidate; a business with no employees or a recent prior EPL lawsuit is described as a poor candidate. 4Company-reported. Product-page 'What are the eligibility requirements?' section; not a guarantee of coverage for a particular business. | 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 | Embroker lists coverage for legal defense costs, settlements and judgments tied to poor employment practices, retaliation claims, wrongful demotion or discipline, and wage-and-hour disputes. 4Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes criminal and civil fines or punitive damages, back wages owed, employee bodily injuries, and claims related to unemployment benefits or workers' compensation. 4Company-reported. Product-page What's not included section. Embroker says most of its EPLI policies are written on a claims-made basis, meaning coverage responds based on when a claim is made and reported relative to the policy's retroactive date, not when the underlying incident occurred. 4Company-reported. Product-page 'What are claims-made vs. occurrence policies?' section. | 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. |
| Risk Services | Embroker says EPLI buyers get free access to HR services managed independently by Excelerator, including an HR portal, employee handbook review, an HR helpline and compliance training. 4Company-reported. Product-page 'Free access to valuable HR consulting services with Excelerator' section; a third party administers these services. | Not described in the reviewed sources. |
| How to Apply | Embroker offers an online quote for EPLI through its digital platform. 4Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research. | 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 Embroker vs Lockton Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Employment Practices Liability Insurance (EPLI) Coverage Defined. Embroker; Why it's essential; Who needs this coverage; What is Employment Practices Liability insurance?; What's covered; What's not included; Free access to valuable HR consulting services with Excelerator; What are the eligibility requirements?; What are claims-made vs. occurrence policies? 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.
