---
title: "Lockton vs Relm Insurance Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-relm/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Lockton and Relm 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 is the client’s EPL broker and describes typical third-party, punitive-damage and standalone wage-and-hour features. Relm is a financial-lines market that other brokers use for EPL and wage-and-hour, and it highlights headcount growth as a reason coverage must keep up. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](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)

## 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](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [8](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Compare wage-and-hour as a standalone Lockton product versus Relm’s W&H description for large employers. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Check third-party and immigration-related employment claims on the Lockton specimen; Relm’s page lists employee-claim types without those items. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask how claims counsel is assigned; only Lockton’s reviewed page describes an integrated claims team. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## Offering Details

| 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. [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..) | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. [7](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..) |
| 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..) | The reviewed page does not name a specific issuing insurer for EPL/wage-and-hour placements. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not publicly disclosed; scope: 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. [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..) | 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. [7](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. [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..) | 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. [7](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. [7](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..) |
| 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. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [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..) | Not described in the reviewed sources. |

## Full Comparison

- [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): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Lockton vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/lockton-vs-relm/commercial-property)
- [Lockton vs Relm Insurance Crime Insurance](https://spot.insure/compare/lockton-vs-relm/crime)
- [Lockton vs Relm Insurance Cyber Insurance](https://spot.insure/compare/lockton-vs-relm/cyber)
- [Lockton vs Relm Insurance D&O Insurance](https://spot.insure/compare/lockton-vs-relm/directors-officers)
- [Lockton vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-relm/fiduciary)
- [Lockton vs Relm Insurance General Liability Insurance](https://spot.insure/compare/lockton-vs-relm/general-liability)
- [Lockton vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/lockton-vs-relm/product-liability)
- [Alliance Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices)
- [Alliance Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/employment-practices)
- [Amelia Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices)
- [Amelia Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/employment-practices)
- [Beazley vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/employment-practices)
- [Beazley vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-relm/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.

### Relm Insurance

5. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
6. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
7. [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.

### 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.

Updated 2026-09-23. 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.

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