Gallagher vs 
Lockton Employment Practices Liability Insurance
Lockton describes typical EPL features including standalone wage-and-hour; Gallagher benchmarks limits from loss data.
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 1,2,3,4,5
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. 6,7,8
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 10
Key Differences in Employment Practices Liability Insurance
Typical Form Features Versus Limit Databases
Lockton and Gallagher both design EPL placements as brokers. Lockton says a typical placed policy can include defense for employee claims and official investigations, third-party harassment, punitive damages where insurable, immigration claims, and a separate wage-and-hour product because those claims are usually excluded from EPL. 9 3
Gallagher describes EPL as answering sexual harassment and wrongful termination, including class actions and single-plaintiff claims. Its published detail is how it recommends limits: predictive models, benchmarking, contract analysis, and EPL and wage-and-hour loss databases with losses exceeding $1 million. Lockton's reviewed offering does not describe that database method. 3 9
Who Faces the Risk
Lockton says any organization that engages people for hire, regardless of size, industry, location, union participation or independent contractors, should consider EPL. Gallagher models exposure by employee count, type, mix and location, tying claim size to organization size and diversity rather than stating that universal buy rule. 9 3
Neither Lockton nor Gallagher names the carriers used for EPL in the reviewed offering. The issuer still has to come from the quote. 9 3
Claims Counsel
Lockton's Professional & Executive Risk Claims team puts insurance and claims counsel inside the broking team from the start so an EPL strategy exists before a claim. Gallagher's reviewed offering does not describe that integrated counsel model; it describes analytical tools for program design. 9 3
What to Confirm in 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 the quote. 9
- Ask Gallagher how its wage-and-hour loss database informed the limit if wage-and-hour is excluded from the EPL form. 3
- Compare class-action defense; Gallagher names it, Lockton's typical-features list does not use that phrase. 3 9
- Ask how each firm's claims counsel will work with panel attorneys after an EEOC charge. 9 3
Offering Details
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 |
|---|---|---|
| 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. 3Company-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. 9Company-reported. EPL product page as read 2026-09-23. |
| Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. 3Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. 9Not publicly disclosed. EPL product page checked 2026-09-23. |
| 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. 3Company-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. 9Company-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. 3Company-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. 9Company-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 page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. 3Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. | Not described in the reviewed sources. |
| Risk Services | Gallagher says it uses client data and predictive models, plus benchmarking and contract analysis, to guide EPL limits advice, and maintains its own EPL and Wage and Hour loss databases, including a review of historical losses exceeding $1 million drawn from a database it says it began building in 1997. 3Company-reported. Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited. | 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. 9Company-reported. EPL product page as read 2026-09-23. |
Full Comparison
More Gallagher vs Lockton Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
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.
