Lockton vs 
TechInsurance Employment Practices Liability Insurance
Lockton brokers EPL programs with typical wage-and-hour placements; TechInsurance quotes EPLI online for small businesses and publishes a median premium.
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 TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 5,6
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 8
Key Differences in Employment Practices Liability Insurance
Program Design Versus Same-Day Certificate
Lockton designs EPL programs and does not underwrite. TechInsurance arranges EPLI that can be purchased standalone or paired with D&O in a management-liability bundle. You request TechInsurance quotes online; it says a certificate is typically available the same day you buy. Lockton’s page does not describe an online bind path. 4 7
Small-Business Pricing Versus Unpublished Limits
TechInsurance targets small businesses with a sizable workforce, notes companies without a dedicated HR team, and says policyholders pay a median of $257 per month, with most of its book between about $750 and more than $14,000 a year. Lockton says any organization that hires people should consider EPL and does not publish premiums or limits. Compare a published cost range for small firms with a brokerage program that is silent on price until the quote. 7 4
Claims-Made Lists and Wage-and-Hour
TechInsurance says EPLI typically is claims-made and lists discrimination, sexual harassment, wrongful termination, negligent benefits handling, breach of employment contract and invasion of privacy. Lockton describes typical placed features including official investigations, third-party claims, punitive damages where insurable, immigration-related claims, and standalone wage-and-hour because wage-and-hour is typically excluded from EPL. TechInsurance’s reviewed page does not describe wage-and-hour as a separate product. Lockton also puts claims counsel inside the broking team from the start. Neither page names the insurer. 7 4
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask whether TechInsurance’s claims-made form includes wage-and-hour; Lockton treats that as a typical exclusion plus a standalone product. 7 4
- Compare TechInsurance’s quoted premium with its published median; get Lockton’s premium, limit and retention together. 7 4
- Get the issuing insurer on both. 4 7
- Confirm whether you want same-day certificate issuance or Lockton’s pre-claim counsel model. 7 4
Offering Details
Lockton vs TechInsurance Employment Practices Liability Insurance: documented features by provider
| Criteria | Lockton Employment Practices Liability (EPL) Insurance Brokerage | TechInsurance Employment Practices Liability Insurance (EPLI) |
|---|---|---|
| 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. | TechInsurance arranges employment practices liability insurance (EPLI) and says it can be purchased standalone or paired with directors and officers insurance in a management liability bundle. 7Company-reported. EPLI product page. |
| 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. | The reviewed page does not name the issuing insurer for an EPLI policy. 7Not publicly disclosed. EPLI product page as read on 2026-09-23. |
| 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. | TechInsurance targets EPLI at small businesses with a sizable workforce, and specifically notes that companies too small to have a dedicated HR team may face employment lawsuits more often since they often lack the resources to resolve disputes before they become legal claims. 7Company-reported. EPLI product page, Why do I need employment practices liability insurance? section. |
| 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. | TechInsurance says EPLI covers claims of discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract, and invasion of privacy, and is typically written as a claims-made policy. 7Company-reported. EPLI product page; general policy description, not a specific policy form. |
| Limits and Retentions | Not described in the reviewed sources. | TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses paying between about $750 and more than $14,000 a year, depending on profession risk, policy limits and deductible, employee count, turnover rate, and claims history. 7Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table. |
| How to Apply | Not described in the reviewed sources. | You request EPLI quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. 7Company-reported. EPLI product page. |
| 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 TechInsurance 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.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Employment Practices Liability Insurance (EPLI). TechInsurance; What does employment practices liability insurance cover? (negligent benefits handling, sexual harassment, wrongful termination, discrimination, breach of contract, privacy invasion); How much does EPLI cost?; What do I need to know about EPLI deductibles, limits, and exclusions? 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.
