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

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

## Agent Guide

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

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

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

# 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 to design EPL with third-party, immigration and standalone wage-and-hour cover; Relm is an insurance market you reach only through a broker, focused on wage-and-hour class-action risk.

## Lockton vs Relm Insurance Employment Practices Liability Insurance Summary

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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Compare Lockton's standalone wage-and-hour cover with Relm's wage-and-hour terms at the same limit. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask Relm's broker whether third-party and immigration-related claims are covered. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask Relm's broker who handles claims counsel if you're sued. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## Lockton vs Relm Insurance Employment Practices Liability Compared

| 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. [1](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..) | 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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; the issued policy and declarations control..)<br><br>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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About Lockton and Relm Insurance and Employment Practices Liability

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Lockton vs Relm Insurance

- [Lockton vs Relm Insurance](https://spot.insure/compare/lockton-vs-relm): 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 Employment Practices Liability Insurance](https://spot.insure/insurance-providers/lockton/employment-practices)
- [Relm Insurance Employment Practices Liability Insurance](https://spot.insure/insurance-providers/relm/employment-practices)

## Sources for Lockton vs Relm Insurance

### Sources About Lockton

1. [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.

### Sources About Relm Insurance

2. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/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.

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/lockton-vs-relm/employment-practices.md)
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