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

Embroker sells standalone EPLI online to businesses with employees and offers free access to independently managed HR services. Lockton designs EPL programs for hiring organizations and says typical policies cover legal defense costs and damages.

Embroker lets you buy EPLI online with free Excelerator HR services, but excludes punitive damages and back wages; Lockton is a broker for employers who need broader policy terms and a dedicated claims team. Lockton sells wage-and-hour cover separately because EPL typically excludes it. ^1,²

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

Online Policy vs Broker-Designed Program

Embroker quotes EPLI online, says most of its policies are claims-made, and includes free Excelerator HR services. Lockton designs EPL programs as your broker and risk adviser and doesn't underwrite; its Professional & Executive Risk Claims team handles claims support. Choose Embroker if you're a smaller company that wants to buy EPLI online with HR help included; choose Lockton if you need immigration, investigation or punitive-damages cover and want a broker managing claims. ¹ ²

Broader Policy Terms Through Lockton

Lockton says a typical EPL policy it places covers official employment investigations, third-party discrimination or harassment, punitive damages where insurable, and immigration-related claims. Embroker excludes criminal and civil fines and punitive damages, employee bodily injury, and unemployment or workers' compensation claims, and lists neither immigration nor investigations. If a punitive award or government investigation is a real risk for you, Lockton's typical terms go further. ² ¹

Wage-and-Hour: Partial vs Separate

Embroker lists wage-and-hour disputes among covered items but excludes back wages owed, which is usually the bulk of a wage claim. Lockton says EPL typically excludes wage-and-hour and sells standalone cover for misclassification and unpaid overtime. Ask Embroker exactly what it pays on a wage claim before assuming you're covered. ¹ ²

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

Ask both whether wage-and-hour defense and settlements are covered, and under which policy. ¹ ²
Ask whether punitive damages are insurable in your state on the Lockton placement; Embroker excludes them. ² ¹
Check immigration, third-party and investigation cover on each quote. ² ¹
Ask both which insurer will issue your policy; neither page names one. ¹ ²

Embroker vs Lockton Employment Practices Liability Insurance Compared

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

Criteria	Embroker Employment Practices Liability Insurance	Lockton Employment Practices Liability (EPL) Insurance Brokerage
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. ¹Company-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. ²Company-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. ¹Company-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. ¹Company-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. ¹Company-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. 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	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). ¹Company-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. ²Company-reported. EPL product page as read 2026-09-23.

Criteria

Embroker Employment Practices Liability Insurance

Lockton Employment Practices Liability (EPL) Insurance Brokerage

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. ¹Company-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. ²Company-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. ¹Company-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. ¹Company-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. ¹Company-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. 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

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). ¹Company-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. ²Company-reported. EPL product page as read 2026-09-23.