---
title: "Gallagher vs Lockton: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/gallagher-vs-lockton/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-lockton"
provider-a: "gallagher"
provider-b: "lockton"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-lockton/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Gallagher and Lockton for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Gallagher versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Gallagher vs Lockton for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Gallagher or Lockton?
- What does Gallagher or Lockton publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Gallagher and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 sets your EPL limit from loss databases and benchmarks; Lockton designs broader EPL cover, including third-party, immigration and separate wage-and-hour, with claims counsel on your team from the start.

## Gallagher vs Lockton Employment Practices Liability Insurance Summary

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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask Gallagher how its loss data shaped your recommended limit, and whether wage-and-hour is excluded from the form. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Lockton whether class-action defense is covered; Gallagher names it. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask both who helps you after an EEOC charge, and which insurer issues the policy. [2](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## Gallagher vs Lockton Employment Practices Liability Insurance Compared

| 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [2](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [2](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [2](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: EPL product page as read 2026-09-23..) |

## About Gallagher and Lockton and Employment Practices Liability

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Gallagher vs Lockton Employment Practices Liability

- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Gallagher Employment Practices Liability Insurance](https://spot.insure/insurance-providers/gallagher/employment-practices)
- [Lockton Employment Practices Liability Insurance](https://spot.insure/insurance-providers/lockton/employment-practices)

## Sources for Gallagher vs Lockton

### Sources About Gallagher

1. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.

### Sources About Lockton

2. [Employment practices liability (EPL) insurance](https://global.lockton.com/us/en/products-services/employment-practices-liability). 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.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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