Lockton vs 
Relm Insurance Employment Practices Liability Insurance
Lockton brokers EPL programs and typical wage-and-hour placements; Relm markets EPL and wage-and-hour for brokers to place, including for fast-growing employers.
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. 1,2,3
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 5,6
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 8
Key Differences in Employment Practices Liability Insurance
Client Broker Versus Broker Market
Lockton designs EPL programs as the client’s risk advisor and broker. Relm markets EPL, including wage-and-hour, as coverage brokers can place through Relm’s solutions. A Lockton engagement is a retail brokerage relationship; a Relm quote arrives through whatever broker introduces you. Neither reviewed page names the issuing insurer. 4 7
Wage-and-Hour and Typical Terms
Both describe wage-and-hour as its own topic. Lockton says wage-and-hour claims such as misclassification and unpaid overtime are typically excluded from EPL, so it offers standalone wage-and-hour. Relm separately describes wage-and-hour for minimum-wage underpayment, overtime mishandling and misclassification, and says those claims are increasingly individual and class actions at state and federal level, especially for large employers. Lockton also lists typical EPL features Relm’s page does not: third-party claims, punitive damages where insurable, immigration-related employment claims, and defense for official employment investigations. 4 7
Who Should Buy
Lockton says any organization that engages people for hire, including users of independent contractors, faces employment-related risk. Relm says any company with employees benefits from EPL regardless of headcount, and highlights fast-growing companies as they scale hiring. Lockton’s claims page describes a Professional & Executive Risk Claims team inside the broking team; Relm’s reviewed page does not describe a claims unit. 4 7
What to Confirm in Employment Practices Liability Insurance Quotes
- If a broker offers Relm EPL, ask whether Lockton would place Relm or another market and who is your retail broker of record. 7 4
- Compare wage-and-hour as a standalone Lockton product versus Relm’s W&H description for large employers. 4 7
- Check third-party and immigration-related employment claims on the Lockton specimen; Relm’s page lists employee-claim types without those items. 4 7
- Ask how claims counsel is assigned; only Lockton’s reviewed page describes an integrated claims team. 4 7
Offering Details
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) |
|---|---|---|
| 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. 4Company-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. 7Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. 4Not publicly disclosed. EPL product page checked 2026-09-23. | The reviewed page does not name a specific issuing insurer for EPL/wage-and-hour placements. 7Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| 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. 4Company-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. 7Company-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. 4Company-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. 7Company-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. 7Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section. |
| How to Apply | Not described in the reviewed sources. | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 7Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model. |
| 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. 4Company-reported. EPL product page as read 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More Lockton vs Relm Insurance Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- 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.
- US 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.
- Employment practices liability (EPL) insurance. 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.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Financial Lines Insurance. Relm Insurance; Employment Practices Liability Insurance (EPL): What Is Employment Practices Liability Insurance?; What Is Wage and Hour Liability Insurance?; Growing Fast? Make Sure Your Cover Keeps Up; Who Needs Employment Practices Liability? Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
