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

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

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

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Lockton and RiskCube.
- 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 RiskCube](https://spot.insure/compare/lockton-vs-riskcube) — 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
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile

# 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 with third-party, immigration and wage-and-hour options and an in-house claims team; RiskCube lists EPLI for startups making first hires but sends you to a general contact form.

## Lockton vs RiskCube Employment Practices Liability Insurance Summary

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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://riskcubeai.com/insurance/epli "Contact RiskCube")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## 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](https://riskcubeai.com/insurance "Startup Insurance Coverage") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Get limits and retentions from both, and ask whether defense costs reduce the limit. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- Ask RiskCube who handles your claim after you're sued; Lockton assigns its own claims team. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [3](https://riskcubeai.com/insurance/epli "Contact RiskCube")

## Lockton vs RiskCube Employment Practices Liability Insurance Compared

| 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. [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..) | 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. [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [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..) | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail..) |

## About Lockton and RiskCube and Employment Practices Liability

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

## Related Pages for Lockton vs RiskCube Employment Practices Liability

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

## Sources for Lockton vs RiskCube

### 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 RiskCube

2. [Startup Insurance Coverage](https://riskcubeai.com/insurance). 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.
3. [Contact RiskCube](https://riskcubeai.com/insurance/epli). 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.

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-riskcube/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)