Lockton vs USI Insurance Services: How Do They Compare for Employment Practices Liability Insurance?

Lockton designs EPL programs for organizations that hire people and says typical policies cover defense costs and damages. USI Insurance Services brokers EPL for small and midsize businesses and provides workplace risk-management services.

Lockton runs a dedicated EPL practice for any employer, typically adding third-party, immigration and separate wage-and-hour cover, with claims counsel on your team from day one; USI places EPL for building, janitorial, staffing and printing firms and checks small and midsize companies' existing policies through ExecuSafe. ^1,^2,³

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

Dedicated EPL Practice vs Trade-Services Broker

Both are brokers and neither names its insurers. Lockton has a dedicated EPL practice and says any organization that hires people should consider EPL. USI lists EPL among its Business Services coverages for building maintenance, repair, janitorial, staffing and printing companies, and its ExecuSafe review checks small and midsize businesses' existing management-liability policies for gaps. You reach USI through published email inboxes; neither offers an online quote. Choose Lockton if you want a program designed around EPL specifically; choose USI if you run a janitorial, staffing or building-services firm, or want an existing policy reviewed. ¹ ² ³

Described Policy Features vs Account Services

Lockton describes what its typical placements include: third-party claims, punitive damages where insurable, immigration-related claims, and a standalone wage-and-hour policy because EPL usually excludes those claims. It also puts claims counsel on your broking team from the start. USI doesn't describe policy terms; it offers classification reviews, claim advocacy and contract review. With Lockton you know what to expect on the form; with USI you're relying on the review to find gaps. ¹ ² ³

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

Tell USI whether you want a new placement or an ExecuSafe review of a policy you already have. ³ ¹
Ask both to show wage-and-hour and third-party wording on the quoted form. ¹ ²
Ask both which insurers they'll use and what limits they offer. ¹ ²

Lockton vs USI Insurance Services Employment Practices Liability Compared

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
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.	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. ^2,³Company-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. ¹Company-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. ^2,³Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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.	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. ^2,³Company-reported. Business Services catalogue and ExecuSafe article.