--- title: "Lockton vs TechInsurance: Employment Practices Liability Insurance" description: "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." canonical: "https://spot.insure/compare/lockton-vs-techinsurance/employment-practices" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "lockton-vs-techinsurance" provider-a: "lockton" provider-b: "techinsurance" 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. 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[Human-readable page](https://spot.insure/compare/lockton-vs-techinsurance/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Lockton and TechInsurance 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 TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Lockton vs TechInsurance for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Lockton or TechInsurance? - What does Lockton or TechInsurance publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Lockton and TechInsurance. - 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 TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance) — 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 - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # 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 quotes small-business EPLI online with a published $257 median monthly premium and same-day certificates, while Lockton designs EPL programs with separate wage-and-hour cover and in-house claims counsel. ## Lockton vs TechInsurance Employment Practices Liability Insurance Summary 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") ## 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") ### 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") ### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") ## 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") - Hold TechInsurance’s quote against its $257 median; get Lockton’s premium, limit and retention together. [2](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") - Ask both which insurance company issues the policy. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") - Ask TechInsurance who helps you if a claim is filed. [2](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") ## Lockton vs TechInsurance Employment Practices Liability Compared | 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. [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..) | 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. [2](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) | ## About Lockton and TechInsurance and Employment Practices Liability - [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews) - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices) ## Related Pages for Lockton vs TechInsurance - [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance): 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) - [TechInsurance Employment Practices Liability Insurance](https://spot.insure/insurance-providers/techinsurance/employment-practices) ## Sources for Lockton vs TechInsurance ### 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 TechInsurance 2. [Employment Practices Liability Insurance (EPLI)](https://www.techinsurance.com/employment-practices-liability-insurance). 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. 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-techinsurance/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)