Lockton vs 
Travelers Employment Practices Liability Insurance
Lockton brokers EPL programs including standalone wage-and-hour; Travelers underwrites EPL for financial institutions, nonprofits, and private and public companies.
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 Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 5,6,7
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 9
Key Differences in Employment Practices Liability Insurance
Advisor Versus Underwriter
Lockton designs EPL programs and does not underwrite. Travelers underwrites EPL in Management & Professional Liability, sold standalone or with other management-liability coverages. A Lockton quote is a placement; a Travelers quote is Travelers paper, subject to the issuing affiliate. 4 8
Named Company and Intended Markets
Travelers’ video disclosure names Travelers Casualty and Surety Company of America and affiliates, and it markets EPL to financial institutions, nonprofits, private companies and public companies. Lockton’s EPL page does not name carriers and says any organization that engages people for hire should consider EPL. You can match a named Travelers entity against Lockton’s unnamed markets. 8 4
What Typical Cover Includes
Travelers says EPL covers defense and damages for wrongful termination, discrimination, workplace harassment and retaliation. Lockton lists those kinds of employee claims plus official investigations, third-party claims, punitive damages where insurable, immigration-related employment claims, and standalone wage-and-hour because wage-and-hour is typically excluded. Travelers’ reviewed page does not describe a wage-and-hour product. You buy Travelers through an independent agent; Lockton’s claims team sits with the brokers from the start. Neither page publishes limits. 8 4
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask whether Travelers will write wage-and-hour or whether Lockton would place it separately. 8 4
- Confirm the issuing Travelers company and, if you use Lockton, which carrier it selects. 8 4
- Check third-party and immigration-related employment claims on both specimens. 4 8
- Compare Lockton’s pre-claim counsel with how a Travelers independent agent would support a claim. 4 8
Offering Details
Lockton vs Travelers Employment Practices Liability Insurance: documented features by provider
| Criteria | Lockton Employment Practices Liability (EPL) Insurance Brokerage | Travelers Employment Practices Liability Insurance (EPL) |
|---|---|---|
| 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. | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 8Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance 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 product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 8Company-reported. Product page video legal footer. |
| 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. | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. 8Company-reported. Product page "Who is this right for?" 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. | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. 8Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish EPL limits, retentions or premiums; it references illustrative settlement examples (from $45,000 to $280,000, including defense costs) as general risk context, not as policy terms. 8Not found in reviewed sources. Product page video claim scenarios as read on 2026-09-23. |
| How to Apply | Not described in the reviewed sources. | EPL coverage is bought through a Travelers independent agent. 8Company-reported. Product page "Find an insurance agent" call to action. |
| 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 Travelers 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.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Employment Practices Liability Insurance (EPL). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. 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.
