--- title: "Lockton vs Travelers Employment Practices Liability Insurance" description: "Lockton brokers EPL programs including standalone wage-and-hour; Travelers underwrites EPL for financial institutions, nonprofits, and private and public companies." canonical: "https://spot.insure/compare/lockton-vs-travelers/employment-practices" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/lockton-vs-travelers/employment-practices) # 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. ## Research Scope and Use Use this comparison to evaluate Lockton and Travelers for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Lockton places EPL and describes typical third-party, punitive-damage and wage-and-hour features plus in-team claims counsel. Travelers underwrites EPL, names Travelers Casualty and Surety Company of America in a video disclosure, and sells through independent agents. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") ## 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](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [Lockton profile](https://spot.insure/insurance-providers/lockton) ## 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## What Is Employment Practices Liability Insurance? Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") ## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") ### 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") ### 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") ## 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") - Confirm the issuing Travelers company and, if you use Lockton, which carrier it selects. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") - Check third-party and immigration-related employment claims on both specimens. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") - Compare Lockton’s pre-claim counsel with how a Travelers independent agent would support a claim. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") ## Offering Details | 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. [4](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. [8](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..) | | Issuing Insurer | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [4](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. [8](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. [4](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. [8](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..) | | 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Not found in reviewed sources; scope: 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. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [4](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..) | Not described in the reviewed sources. | ## Full Comparison - [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): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination. - [Lockton vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-travelers/cargo-transit) - [Lockton vs Travelers Commercial Property Insurance](https://spot.insure/compare/lockton-vs-travelers/commercial-property) - [Lockton vs Travelers Crime Insurance](https://spot.insure/compare/lockton-vs-travelers/crime) - [Lockton vs Travelers Cyber Insurance](https://spot.insure/compare/lockton-vs-travelers/cyber) - [Lockton vs Travelers D&O Insurance](https://spot.insure/compare/lockton-vs-travelers/directors-officers) - [Lockton vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-travelers/fiduciary) - [Lockton vs Travelers General Liability Insurance](https://spot.insure/compare/lockton-vs-travelers/general-liability) - [Lockton vs Travelers Surety Bonds](https://spot.insure/compare/lockton-vs-travelers/surety-bonds) - [Lockton vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-travelers/workers-compensation) - [Alliance Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices) - [Alliance Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/employment-practices) - [Amelia Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices) - [Amelia Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/employment-practices) - [Beazley vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/employment-practices) - [Beazley vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-travelers/employment-practices) ## Sources ### Lockton 1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16. 2. [Technology](https://global.lockton.com/us/en/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. 3. [US Terms of Business](https://global.lockton.com/us/en/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. 4. [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. ### Travelers 5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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. 6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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. 7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 8. [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. ### Employment Practices Liability Insurance Guide 9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. Updated 2026-09-23. 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. 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