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

Gallagher places EPL with outside carriers and uses data, predictive models and benchmarking to assess exposure. Lockton designs EPL programs for organizations that hire people and says typical policies cover legal defense costs and damages.

Gallagher's edge is limit advice: it sizes your EPL limit using predictive models, benchmarks and databases of EPL and wage-and-hour losses over $1 million. Lockton's edge is coverage scope, with third-party, punitive and immigration grants plus standalone wage-and-hour cover. ^1,²

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

Data-Backed Limits vs Broader Coverage Design

Both are brokers designing EPL placements, and neither names the insurers it uses. Gallagher recommends limits using predictive models, benchmarking, contract analysis, and EPL and wage-and-hour loss databases with losses over $1 million. Lockton says a typical policy it places covers defense for employee claims and official investigations, third-party harassment, punitive damages where insurable and immigration claims, and it sells wage-and-hour separately because EPL usually excludes it. Choose Gallagher if you're unsure how much EPL to buy and want it benchmarked; choose Lockton if you have hourly or immigration exposure and need those gaps filled. ² ¹

Class Actions and Exposure Modeling

Gallagher says EPL answers sexual harassment and wrongful termination claims, including class actions and single-plaintiff suits. It models your exposure by employee count, type, mix and location. Lockton says any organization that hires people, regardless of size, industry, location, union status or use of contractors, should consider EPL. ² ¹

Claims Counsel

Lockton's Professional & Executive Risk Claims team puts claims counsel inside your broking team from the start, so you have an EPL strategy before a claim arrives. Gallagher describes analytical tools for program design, not that counsel model. ² ¹

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

Ask Lockton whether wage-and-hour is a separate policy and whether third-party, punitive and immigration grants are on your quote. ²
Ask Gallagher how its loss data shaped your recommended limit, and whether wage-and-hour is excluded from the form. ¹
Ask Lockton whether class-action defense is covered; Gallagher names it. ¹ ²
Ask both who helps you after an EEOC charge, and which insurer issues the policy. ² ¹

Gallagher vs Lockton Employment Practices Liability Insurance Compared

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

Criteria	Gallagher Employment Practices Liability (EPL) Insurance	Lockton Employment Practices Liability (EPL) Insurance Brokerage
Who It’s For	Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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	Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.	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	Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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.