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

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

## Agent Guide

**What this page is:** Focused comparison of HUB International 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 HUB International versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: HUB International 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:**
- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 spells out the EPL grants it typically places, including third-party, immigration and separate wage-and-hour cover, while HUB's ProEx practice leads with attorney-staffed claims support.

## HUB International vs Lockton Employment Practices Liability Insurance Summary

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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask HUB how its attorney group would staff an EPL charge and whether pay-transparency claims are covered. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Ask both who drafts claim notices and who selects defense counsel. [2](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Get limits, retentions and the issuing insurer from both; neither publishes them. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## HUB International vs Lockton Employment Practices Liability Compared

| 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. [1](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. [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 | HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. [1](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. [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..) |
| 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. [1](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. [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 HUB International and Lockton and Employment Practices Liability

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/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 HUB International vs Lockton

- [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): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [HUB International Employment Practices Liability Insurance](https://spot.insure/insurance-providers/hub-international/employment-practices)
- [Lockton Employment Practices Liability Insurance](https://spot.insure/insurance-providers/lockton/employment-practices)

## Sources for HUB International vs Lockton

### Sources About HUB International

1. [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.

### 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-lockton/employment-practices.md)
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- [Public MCP server](https://spot.insure/mcp)
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- [OpenAPI description](https://spot.insure/openapi.json)
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