Lockton vs Travelers: 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. Travelers insures EPL within its Management Liability portfolio and distributes it through independent agents.

Travelers insures EPL itself and sells it through independent agents to private and public companies, nonprofits and financial institutions. Lockton brokers EPL from other insurers, typically adding third-party, punitive-damage and immigration cover, places wage-and-hour separately and puts claims counsel on your team. ^2,¹

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

One Insurer via an Agent vs a Broker-Designed Program

Travelers writes EPL itself and sells through independent agents to financial institutions, nonprofits, and private and public companies. Lockton arranges EPL with insurers it doesn't name, for any organization that hires people, and puts claims counsel on the broking team from the start. Choose Travelers if you want a known insurer through your local agent; choose Lockton if you need a program built around contractors, third-party exposure or wage-and-hour risk. ¹ ²

What's Covered

Travelers covers defense and damages for wrongful termination, discrimination, harassment and retaliation. Lockton's typical placement adds official investigations, third-party claims, punitive damages where insurable and immigration-related claims, and it places standalone wage-and-hour cover because EPL usually excludes it. Travelers' page doesn't mention wage-and-hour. Neither publishes limits. ² ¹

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

Ask Travelers whether it covers wage-and-hour, or have Lockton place it separately. ² ¹
Ask which Travelers company issues the policy (its disclosure names Travelers Casualty and Surety Company of America and affiliates), and which insurer Lockton selects. ² ¹
Check third-party and immigration claims on both forms. ¹ ²
Ask your Travelers agent how they'll support you in a claim. ¹ ²

Lockton vs Travelers Employment Practices Liability Insurance Compared

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)
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.	Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. ²Company-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. ¹Company-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. ²Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy.
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.	Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. ²Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page.