Lockton vs 
USI Insurance Services Employment Practices Liability Insurance
Lockton designs EPL programs with typical wage-and-hour and third-party terms; USI brokers EPL for business-services trades and reviews programs through ExecuSafe.
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 USI Insurance Services?
USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve 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. 10
Key Differences in Employment Practices Liability Insurance
Line Page Versus Practice Catalogue
Lockton maintains a dedicated EPL page and designs programs without underwriting. USI lists EPL among Business Services coverages and reviews it inside ExecuSafe management-liability work. Both are brokers; Lockton’s public materials are line-specific, while USI’s are a catalogue line plus a gap-review article. Neither names the insurer. 4 8 9
Who They Say They Serve
Lockton says any organization that engages people for hire should consider EPL. USI’s Business Services practice targets building and maintenance, repair, janitorial, staffing and printing companies, and ExecuSafe targets small- and medium-sized businesses. Industry mix is the contrast: a general EPL practice versus a trade-services and SMB management-liability review. 4 8 9
Typical Forms Versus Gap Checks
Lockton describes typical placed features, including third-party claims, punitive damages where insurable, immigration-related claims, and standalone wage-and-hour because wage-and-hour is typically excluded. USI’s pages do not describe those insuring agreements; they say Business Services offers classification reviews, claim advocacy and contract review, and that ExecuSafe looks for gaps in existing EPL. Lockton also integrates claims counsel with the broking team from the start. USI inquiries go to named email inboxes rather than a described online quote. 4 8 9
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask USI whether your EPL is a new placement or an ExecuSafe gap review of a policy you already have; ask Lockton to design the program from scratch if you need that. 9 4
- Check wage-and-hour and third-party wording on Lockton’s specimen; USI’s reviewed pages do not list those terms. 4 8
- Get issuing insurers and limits from both; neither page publishes them. 4 8
- Compare Lockton’s in-team claims counsel with USI’s claim advocacy description. 4 8
Offering Details
Lockton vs USI Insurance Services Employment Practices Liability Insurance: documented features by provider
| Criteria | Lockton Employment Practices Liability (EPL) Insurance Brokerage | USI Employment Practices Liability Brokerage |
|---|---|---|
| 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. | USI brokers employment practices liability (EPL) coverage, which responds to claims like wrongful termination, discrimination or harassment; it places EPL individually or reviews it as part of a management liability program under ExecuSafe. 8,9Company-reported. Business Services catalogue and ExecuSafe article. |
| 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. | Neither page names the insurer USI uses for EPL placements. 8Not publicly disclosed. Pages as read on 2026-09-23. |
| 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. | USI's Business Services practice, which lists EPL, targets building and maintenance, repair service, janitorial, staffing and printing companies; its ExecuSafe review targets small- and medium-sized businesses generally. 8,9Company-reported. Company description of client segments for each source. |
| 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. | USI lists employment practices liability among the coverages it places for business-services clients, and its ExecuSafe review looks for gaps in a client's existing EPL coverage as part of a broader management liability check. 8,9Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. |
| Limits and Retentions | Not described in the reviewed sources. | Neither page publishes EPL limit or retention figures. 8Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and contract review across its coverage lines including EPL, and its ExecuSafe process specifically checks existing EPL coverage for gaps. 8,9Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
| How to Apply | Not described in the reviewed sources. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 8,9Company-reported. Contact instructions on each page. |
| 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 USI Insurance Services 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.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Employment Practices Liability... Accessed 2026-09-23.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). 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.
