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

Lockton designs EPL programs for organizations that hire people and describes typical policies as covering defense costs and damages. RiskCube’s catalogue describes EPLI for startup and small businesses, covering employment-practices claims.

Lockton designs EPL programs for any employer, covering third-party and immigration claims and adding standalone wage-and-hour, with claims specialists on your team from day one. RiskCube lists basic EPLI for startups making first hires, but you start with a general contact form. ^1,²

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

Designed Program for Any Employer vs a Startup Catalogue Listing

Lockton says any organization that hires people, regardless of size, industry, location, union status or use of contractors, should consider EPL, and it keeps a dedicated EPL page. RiskCube's catalogue frames EPLI for startups hiring first employees or scaling fast, but its link opens a general contact form. Choose Lockton if you need a tailored program or have a complex workforce; choose RiskCube if you're an early startup that wants a broker for basic cover alongside your other startup policies. ¹ ² ³

Lockton Covers the Common Gaps; RiskCube Lists Basics

Lockton describes defense for employee claims and investigations, third-party discrimination or harassment, punitive damages where insurable, immigration claims, and standalone wage-and-hour cover since standard forms usually exclude it. Its claims specialists sit on your broking team from the start. RiskCube lists claims by current or former employees for wrongful termination, discrimination, harassment or retaliation, with no form, limits or insurer shown. ¹ ²

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

Ask RiskCube which insurer it would use and whether third-party and wage-and-hour claims are covered. ² ¹
Get limits and retentions from both, and ask whether defense costs reduce the limit. ¹ ²
Ask RiskCube who handles your claim after you're sued; Lockton assigns its own claims team. ¹ ³

Lockton vs RiskCube Employment Practices Liability Insurance Compared

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

Criteria	Lockton Employment Practices Liability (EPL) Insurance Brokerage	RiskCube Employment Practices Liability Insurance
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.	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. ²Company-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. ¹Company-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. ²Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.
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.	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. ²Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.