---
title: "Lockton vs Markel Insurance: Employment Practices Liability Insurance"
description: "Lockton separates wage-and-hour coverage from typical EPL and describes broad claimant and investigation coverage; Markel lists core workplace claims for private and nonprofit buyers."
canonical: "https://spot.insure/compare/lockton-vs-markel/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "lockton-vs-markel"
provider-a: "lockton"
provider-b: "markel"
coverage-line: "employment-practices"
---

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

## Agent Guide

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

**Questions this page answers:**
- Lockton vs Markel Insurance for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Lockton or Markel Insurance?
- What does Lockton or Markel Insurance publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Employment Practices Liability Insurance from Lockton or Markel Insurance?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Lockton and Markel Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Lockton vs Markel Insurance](https://spot.insure/compare/lockton-vs-markel) — parent: all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [Lockton vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-markel/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/lockton-vs-markel/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Crime Insurance](https://spot.insure/compare/lockton-vs-markel/crime) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Cyber Insurance](https://spot.insure/compare/lockton-vs-markel/cyber) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance D&O Insurance](https://spot.insure/compare/lockton-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-markel/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance General Liability Insurance](https://spot.insure/compare/lockton-vs-markel/general-liability) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/lockton-vs-markel/product-liability) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-markel/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)

# Lockton vs Markel Insurance: How Do They Compare for Employment Practices Liability Insurance?

Lockton separates wage-and-hour coverage from typical EPL and describes broad claimant and investigation coverage; Markel lists core workplace claims for private and nonprofit buyers.

## Research Scope and Use

Use this comparison to evaluate Lockton and Markel Insurance 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 describes EPL defense for employee, investigation, and third-party discrimination claims and offers separate wage-and-hour coverage. Markel lists core workplace claims without detailing the same structure. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

## What Is Lockton?

Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## Markel Insurance: Specialty Business and Products

Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [5](https://www.markel.com/about-us "About us") [6](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

## What Is Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [8](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [9](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [10](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

## Key Differences in Employment Practices Liability Insurance

### Wage-and-hour treatment

Lockton says wage-and-hour claims such as misclassification and unpaid overtime are typically excluded from EPL and offers separate standalone wage-and-hour coverage. Its typical EPL policy can address legal defense for employee claims and official investigations, third-party discrimination or harassment, insurable punitive damages, and immigration claims. Markel’s reviewed summary names discrimination, harassment, wrongful termination, and unfair hiring but does not explain wage-and-hour treatment. Buyers should ask whether wage disputes receive defense only or indemnity under each proposal. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

### Workforce scope and claims counsel

Lockton says any employer faces EPL risk regardless of size, industry, location, union participation, or contractor use, and its claims team brings counsel into the broker relationship from the start. Markel describes private-company and nonprofit audiences with underwriting terms determined by risk. Compare Lockton’s broad workforce framing and early claims involvement against Markel’s eligibility decision and policy-specific claim support. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask Lockton for the standalone wage-and-hour limit and whether EPL includes immigration and third-party claims. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask Markel whether wage-and-hour and contractor claims are covered, and how claims counsel participates. [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

## Offering Details

| Criteria | Lockton Employment Practices Liability (EPL) Insurance Brokerage | Markel employment practices (official overview) |
| --- | --- | --- |
| Role in This Line | Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. [4](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..) | Markel describes offering employment practices for the audience stated on the cited product page. [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: employment practices marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Issuing Insurer | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. [4](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..) | Confirm in your quote. |
| Who It’s For | 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. [4](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..) | Private companies and not-for-profit organizations described on the product page; exact underwriting class and terms remain risk-specific. [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: employment practices marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Coverage Features | 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. [4](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..) | The cited product page describes EPL for named workplace claims such as discrimination, harassment, wrongful termination, and unfair hiring practices. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: employment practices marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| How to Apply | Confirm in your quote. | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. [7](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: employment practices marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Claims Support | 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. [4](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..) | Confirm in your quote. |

## Full Comparison

- [Lockton vs Markel Insurance](https://spot.insure/compare/lockton-vs-markel): 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.
- [Lockton vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-markel/cargo-transit)
- [Lockton vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/lockton-vs-markel/commercial-property)
- [Lockton vs Markel Insurance Crime Insurance](https://spot.insure/compare/lockton-vs-markel/crime)
- [Lockton vs Markel Insurance Cyber Insurance](https://spot.insure/compare/lockton-vs-markel/cyber)
- [Lockton vs Markel Insurance D&O Insurance](https://spot.insure/compare/lockton-vs-markel/directors-officers)
- [Lockton vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-markel/fiduciary)
- [Lockton vs Markel Insurance General Liability Insurance](https://spot.insure/compare/lockton-vs-markel/general-liability)
- [Lockton vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/lockton-vs-markel/product-liability)
- [Lockton vs Markel Insurance Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-markel/workers-compensation)
- [AIG vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-lockton/employment-practices)
- [AIG vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-markel/employment-practices)
- [Alliance Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices)
- [Alliance Risk vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-markel/employment-practices)
- [Amelia Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices)
- [Amelia Risk vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/employment-practices)

## Sources

### Lockton

1. [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.
2. [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.
3. [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.
4. [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.

### Markel Insurance

5. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
6. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
7. [Private and Nonprofit Management Liability Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit). Markel; Employment practices liability section; listed workplace claims; policy highlights.. Accessed 2026-09-30.

### Employment Practices Liability Insurance Guide

8. [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.
9. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
10. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Lockton Reviews

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).

## Markel Insurance Reviews

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-markel/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)