--- title: "HUB International vs Lockton Employment Practices Liability Insurance" description: "Lockton describes typical EPL features including standalone wage-and-hour; HUB’s ProEx team staffs attorney claims support." canonical: "https://spot.insure/compare/hub-international-vs-lockton/employment-practices" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-lockton/employment-practices) # 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. ## Research Scope and Use Use this comparison to evaluate HUB International and Lockton for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Lockton brokers EPL and says a typical placed policy can include third-party claims, punitive damages where insurable, immigration claims, and separate wage-and-hour coverage. HUB places EPL inside ProEx and describes a Claims & Legal Risks Group of attorneys that supports EPL from wording review through recovery. [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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](https://global.lockton.com/us/en "Lockton United States") [6](https://global.lockton.com/us/en/technology "Technology") [7](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [Lockton profile](https://spot.insure/insurance-providers/lockton) ## What Is Employment Practices Liability Insurance? Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") ## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") - Ask HUB how the attorney group would staff an EPL charge and how pay-transparency laws affect the form. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Compare the two claims-counsel models on who drafts notice letters and who selects panel counsel. [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Get limits and retentions; HUB's ProEx page does not publish EPL figures. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## Offering Details | 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [8](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..) | | 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23..) | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. [8](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: 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. [8](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 | 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [8](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..) | | Limits and Retentions | Published EPL policy limits or retentions were not found on the ProEx page. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [8](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..) | ## Full Comparison - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton): all coverage lines, business roles, service and claims. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination. - [HUB International vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-lockton/cargo-transit) - [HUB International vs Lockton Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-lockton/commercial-property) - [HUB International vs Lockton Crime Insurance](https://spot.insure/compare/hub-international-vs-lockton/crime) - [HUB International vs Lockton Cyber Insurance](https://spot.insure/compare/hub-international-vs-lockton/cyber) - [HUB International vs Lockton D&O Insurance](https://spot.insure/compare/hub-international-vs-lockton/directors-officers) - [HUB International vs Lockton Employee Health Benefits](https://spot.insure/compare/hub-international-vs-lockton/employee-health-benefits) - [HUB International vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/fiduciary) - [HUB International vs Lockton General Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/general-liability) - [HUB International vs Lockton Product Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/product-liability) - [HUB International vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/hub-international-vs-lockton/representations-warranties) - [HUB International vs Lockton Surety Bonds](https://spot.insure/compare/hub-international-vs-lockton/surety-bonds) - [HUB International vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-lockton/workers-compensation) - [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices) - [Alliance Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices) - [Amelia Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/employment-practices) - [Amelia Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices) - [Beazley vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/employment-practices) - [Beazley vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/employment-practices) ## Sources ### HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 4. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). 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 5. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16. 6. [Technology](https://global.lockton.com/us/en/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. 7. [US Terms of Business](https://global.lockton.com/us/en/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. 8. [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. ### Employment Practices Liability Insurance Guide 9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. Updated 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-lockton/employment-practices.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)