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

Lockton designs EPL programs for organizations that hire people and says typical policies cover defense costs and damages. Relm Insurance sells broker-placed EPL to companies of any size and describes defense and settlement coverage.

Lockton is a broker you hire directly, and it designs EPL that typically covers third-party claims, punitive damages and immigration claims, with standalone wage-and-hour. Relm is a market your broker approaches for you, pitching EPL and wage-and-hour cover to fast-growing and large employers. ^1,²

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

Your Broker vs a Market Your Broker Uses

Lockton designs EPL programs as your risk advisor and broker. Relm markets EPL and wage-and-hour cover for brokers to place, so a Relm quote reaches you through whichever broker introduces it. Neither names the insurer behind the policy. Choose Lockton if you want one firm to design your program and handle claims counsel; choose Relm if your current broker is looking for dedicated wage-and-hour capacity for a large or fast-growing workforce. ¹ ²

Wage-and-Hour and Typical Terms

Lockton says EPL typically excludes wage-and-hour claims like misclassification and unpaid overtime, so it offers standalone wage-and-hour cover. Relm describes wage-and-hour cover for minimum-wage underpayment, overtime mishandling and misclassification, and says these are increasingly class actions, especially for large employers. Lockton also lists third-party claims, punitive damages where insurable, immigration-related claims and defense for official investigations; Relm's page doesn't. ¹ ²

Who Should Buy and Claims Help

Lockton says any organization that hires people, including users of independent contractors, faces employment risk. Relm says any company with employees benefits from EPL and highlights fast-growing companies. Lockton's Professional & Executive Risk Claims team sits inside your broking team; Relm doesn't describe a claims unit. ¹ ²

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

If a broker offers Relm EPL, ask who your broker of record is and whether Lockton could also access Relm. ² ¹
Compare Lockton's standalone wage-and-hour cover with Relm's wage-and-hour terms at the same limit. ¹ ²
Ask Relm's broker whether third-party and immigration-related claims are covered. ¹ ²
Ask Relm's broker who handles claims counsel if you're sued. ¹ ²

Lockton vs Relm Insurance Employment Practices Liability Compared

Lockton vs Relm Insurance: Employment Practices Liability Insurance: documented features by provider

Criteria	Lockton Employment Practices Liability (EPL) Insurance Brokerage	Relm Employment Practices Liability Insurance (EPL/W&H)
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. ¹Company-reported. EPL product page as read 2026-09-23.	Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. ²Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.
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. ¹Company-reported. EPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client.	Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. ²Company-reported. Financial Lines page general description; the issued policy and declarations control. Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. ²Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section.
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. ¹Company-reported. EPL product page as read 2026-09-23.	Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Lockton Employment Practices Liability (EPL) Insurance Brokerage

Relm Employment Practices Liability Insurance (EPL/W&H)

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. ¹Company-reported. EPL product page as read 2026-09-23.

Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. ²Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.

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. ¹Company-reported. EPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client.

Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. ²Company-reported. Financial Lines page general description; the issued policy and declarations control.

Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. ²Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section.

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. ¹Company-reported. EPL product page as read 2026-09-23.

Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.