Lockton vs TechInsurance: 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. TechInsurance arranges EPLI quotes for small businesses.

TechInsurance lets small businesses apply for EPLI online, says its customers pay a median $257 a month and issues certificates the same day; Lockton is a broker that designs an EPL program, adds a separate wage-and-hour policy and puts claims counsel on your team from day one. ^2,¹

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

Online Quote and Price Range vs Broker-Designed Program

TechInsurance takes a short online application, sells EPLI standalone or bundled with D&O, and says a certificate is typically ready the same day. It reports a median premium of $257 a month, with most customers paying about $750 to over $14,000 a year. Lockton designs EPL programs as a broker, publishes no prices or limits, and describes no online buying. Choose TechInsurance if you are a small business without an HR team that wants cover quickly and a price benchmark; choose Lockton if you have a larger workforce and need a custom program with wage-and-hour cover. ² ¹

Separate Wage-and-Hour Policy vs Silence on It

Lockton says wage-and-hour claims are typically excluded from EPL, so it places a standalone wage-and-hour policy; its typical placements also cover official investigations, third-party claims, punitive damages where insurable and immigration-related claims. TechInsurance lists discrimination, sexual harassment, wrongful termination, negligent benefits handling, breach of employment contract and invasion of privacy on a claims-made form, and doesn’t address wage-and-hour. If you have hourly staff, Lockton names the fix; ask TechInsurance before you buy. ² ¹

Claims Counsel From Day One vs Fast Paperwork

Lockton puts claims counsel inside its broking team from the start, so a claims strategy exists before anyone sues. TechInsurance’s advantage is speed: licensed agents on call and same-day proof of cover. Neither names the insurer. ¹ ²

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

Ask TechInsurance whether wage-and-hour claims are covered or excluded. ² ¹
Hold TechInsurance’s quote against its $257 median; get Lockton’s premium, limit and retention together. ² ¹
Ask both which insurance company issues the policy. ¹ ²
Ask TechInsurance who helps you if a claim is filed. ² ¹

Lockton vs TechInsurance Employment Practices Liability Compared

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)
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.	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. ²Company-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. ¹Company-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. ²Company-reported. EPLI product page; general policy description, not a specific policy form.
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.	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. ²Company-reported. EPLI product page.