Lockton vs 
RiskCube Employment Practices Liability Insurance
Lockton designs EPL programs with typical third-party and wage-and-hour terms; RiskCube lists EPLI on a startup catalogue card with a contact form instead of a product page.
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 RiskCube Insurance?
RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. 5,6,7
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 10
Key Differences in Employment Practices Liability Insurance
Dedicated EPL Practice Versus Catalogue Card
Lockton designs EPL programs and does not underwrite. RiskCube lists EPLI in a startup catalogue sold through RiskCube Insurance Services, LLC, described as an independent brokerage that does not underwrite. Lockton maintains a line-specific EPL page; RiskCube’s “Learn more” link for EPLI opens a general contact form rather than a product page. 4 8 9
Early Hires Versus Any Employer
RiskCube’s catalogue says EPLI is critical for startups hiring their first employees or scaling a team rapidly. Lockton says any organization that engages people for hire—regardless of size, industry, location, union status or independent contractors—should consider EPL. The same coverage label is aimed at first-hire startups on one side and at every employer on the other. 8 4
What the Public Pages Describe
Lockton describes typical placed features: defense for employee claims and investigations, third-party discrimination or harassment, punitive damages where insurable, immigration-related claims, and standalone wage-and-hour because wage-and-hour is typically excluded. RiskCube’s catalogue says EPLI covers claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation, with no policy form, limits or issuing insurer. Lockton also describes a Professional & Executive Risk Claims team inside the broking team from the start of the engagement. 4 8
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask RiskCube which insurer it would place and whether the form matches Lockton’s typical third-party and wage-and-hour discussion. 8 4
- Confirm whether your headcount still fits RiskCube’s first-hire framing or needs a Lockton-style program. 8 4
- Neither page publishes limits; get retention and whether defense erodes the limit on both quotes. 4 8
- Ask who will run the claim: Lockton’s integrated claims counsel versus RiskCube after the contact form. 4 9
Offering Details
Lockton vs RiskCube Employment Practices Liability Insurance: documented features by provider
| Criteria | Lockton Employment Practices Liability (EPL) Insurance Brokerage | RiskCube Employment Practices Liability Insurance |
|---|---|---|
| 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. | RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. 8Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail. |
| 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. | Not described in the reviewed sources. |
| 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. | RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. 8Company-reported. Catalogue marketing description, not an underwriting eligibility rule. |
| 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. | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. 8Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed EPLI catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. 8,9Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote. |
| How to Apply | Not described in the reviewed sources. | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for EPLI (riskcubeai.com/insurance/epli) redirects to a general contact form rather than a dedicated page describing an EPLI-specific application flow, timeline or required intake information. 9Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later. |
| 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 RiskCube 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.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
- Startup Insurance Coverage. RiskCube; Employment Practices Liability card: "EPLI covers claims from current or former employees alleging wrongful termination, discrimination, harassment, or retaliation. Critical for startups hiring their first employees or scaling a team rapidly."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23.
- Contact RiskCube. RiskCube; The catalogue's Employment Practices Liability "Learn more" link resolves to a general contact form, not a dedicated EPLI product page. 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.
