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

HUB International brokers EPL through ProEx and supports claims through its legal-risk group. Lockton designs EPL programs for organizations that hire people and says typical policies cover legal defense costs and damages.

Lockton tells you more about the policy: its typical EPL placement covers third-party harassment, immigration claims and punitive damages where insurable, with wage-and-hour sold separately. HUB tells you more about claims: attorneys in its ProEx group support EPL from wording review through recovery. ^2,¹

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

Documented Coverage Grants vs a Coverage Listing

Both broker EPL. Lockton describes a typical placed policy: defense of employee claims and official investigations, third-party discrimination or harassment, punitive damages where insurable, immigration-related claims, and standalone wage-and-hour cover because EPL typically excludes it. HUB lists EPL among its ProEx executive coverages without describing coverage terms, though it flags 2026 pay-transparency laws. Choose Lockton if you need wage-and-hour cover or want to know what a policy should include before quoting; choose HUB if you want EPL coordinated with D&O, fiduciary and E&O for a large organization. ² ¹

Any Size of Employer vs Large-Organization Framing

Lockton says any organization that hires people faces employment risk, regardless of size, industry, location, union status or contractor use. HUB publishes no EPL size or industry list; its FAQ discusses how EPL fits with other executive coverages for large organizations, and it says ProEx places over $2 billion in premium. ² ¹

Counsel on the Broking Team vs a Separate Attorney Claims Group

Lockton puts insurance and claims counsel on the broking team from the start of the engagement. HUB runs a separate Claims & Legal Risks Group of attorneys who support EPL from pre-claim wording review through recovery, plus litigation support. Either way you get lawyers; ask who writes your claim notice and who picks defense counsel. ² ¹

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

Ask Lockton whether wage-and-hour is a separate policy and whether third-party, punitive and immigration cover are on your quote. ²
Ask HUB how its attorney group would staff an EPL charge and whether pay-transparency claims are covered. ¹
Ask both who drafts claim notices and who selects defense counsel. ² ¹
Get limits, retentions and the issuing insurer from both; neither publishes them. ¹ ²

HUB International vs Lockton Employment Practices Liability Compared

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
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. ¹Company-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. 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	HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ¹Company-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. ²Company-reported. EPL product page as read 2026-09-23.
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. ¹Company-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. ²Company-reported. EPL product page as read 2026-09-23.