---
title: "Lockton vs Travelers: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-travelers/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-travelers"
provider-a: "lockton"
provider-b: "travelers"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-travelers/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Lockton and Travelers 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 Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Lockton vs Travelers for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Lockton or Travelers?
- What does Lockton or Travelers publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Lockton and Travelers.
- 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 Travelers](https://spot.insure/compare/lockton-vs-travelers) — 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
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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 through independent agents, while Lockton is a broker that designs broader programs with third-party, immigration and separate wage-and-hour cover.

## Lockton vs Travelers Employment Practices Liability Insurance Summary

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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [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 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)")

### 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Check third-party and immigration claims on both forms. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)")
- Ask your Travelers agent how they'll support you in a claim. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)")

## Lockton vs Travelers Employment Practices Liability Insurance Compared

| 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. [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..) | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [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..) | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [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..) | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page general framing; confirmed against the broader Management and Professional Liability Insurance page..) |

## About Lockton and Travelers and Employment Practices Liability

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Lockton vs Travelers Employment Practices Liability

- [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers): 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)
- [Travelers Employment Practices Liability Insurance](https://spot.insure/insurance-providers/travelers/employment-practices)

## Sources for Lockton vs Travelers

### 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 Travelers

2. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). 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.

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-travelers/employment-practices.md)
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