HUB International vs 
Lockton Employment Practices Liability Insurance
Lockton describes typical EPL features including standalone wage-and-hour; HUB’s ProEx team staffs attorney claims support.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 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
Typical Policy Features Versus ProEx Listing
Lockton and HUB both broker EPL. Lockton's page describes a typical placed policy: defense for employee claims and official investigations, third-party discrimination or harassment, punitive damages where insurable, immigration-related employment claims, and standalone wage-and-hour because those claims are typically excluded from EPL. HUB lists EPL among ProEx Executive Liability coverages and does not describe those insuring agreements in its own text; it flags pay-transparency laws in 2026 as relevant to EPL in an article title. Neither page names the issuing insurer. 8 4
Who Should Buy
Lockton says any organization that engages people for hire, regardless of size, industry, location, union participation or independent contractors, faces employment risk. HUB's ProEx page does not publish an EPL size or industry list; its FAQ discusses D&O, EPL, fiduciary and E&O interplay for large organizations without a minimum headcount. HUB says ProEx places over $2 billion in premium with carriers it calls top-rated. 8 4
Two Claims-Counsel Models
Lockton's Professional & Executive Risk Claims team integrates insurance and claims counsel in the broking team from the start of the engagement. HUB describes a Claims & Legal Risks Group staffed by attorneys who specialize in ProEx coverages including EPL, from pre-claim policy-wording review through claim recovery, plus analytics, litigation support and risk-management services. HUB asks you to contact a ProEx specialist rather than quote online. 8 4
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. 8
- Ask HUB how the attorney group would staff an EPL charge and how pay-transparency laws affect the form. 4
- Compare the two claims-counsel models on who drafts notice letters and who selects panel counsel. 8 4
- Get limits and retentions; HUB's ProEx page does not publish EPL figures. 4
Offering Details
HUB International vs Lockton Employment Practices Liability Insurance: documented features by provider
| Criteria | HUB International Employment Practices Liability Insurance Brokerage | Lockton Employment Practices Liability (EPL) Insurance Brokerage |
|---|---|---|
| Role in This Line | HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. 4Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL. | 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 | No insurer is named for EPL on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. 4Not found in reviewed sources. Checked the ProEx page on 2026-09-23. | 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 | The ProEx page does not publish a size, industry or state eligibility list specific to EPL; its FAQ discusses D&O, EPL, fiduciary and E&O interplay in the context of "large organizations" without defining a minimum size. 4Not found in reviewed sources. Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria. | 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 | HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. 4Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim. | 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. |
| Limits and Retentions | Published EPL policy limits or retentions were not found on the ProEx page. 4Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations. | Not described in the reviewed sources. |
| Risk Services | HUB says its ProEx team, which lists EPL among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. 4Company-reported. ProEx page team and services description; not specific to a single EPL engagement. | Not described in the reviewed sources. |
| How to Apply | HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. 4Company-reported. ProEx page call to action. | Not described in the reviewed sources. |
| Claims Support | HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. 4Company-reported. ProEx page claims and legal support section. | 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 HUB International vs Lockton Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- HUB ProEx. HUB International; ProEx Coverages list including Employment Practices Liability (EPL) under Executive Liability; "Pay Transparency Laws in 2026: What It Means for EPL Coverage" article title; FAQ on D&O/EPL/fiduciary/E&O interplay; Claims & Legal Support section; ProEx premium volume statement. 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.
