--- title: "Lockton Employment Practices Liability Insurance" description: "What Lockton Employment Practices Liability Insurance covers, who it’s for, and its claims support, cited to Lockton’s own published sources." canonical: "https://spot.insure/insurance-providers/lockton/employment-practices" page-type: "offering-page" 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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/lockton/employment-practices) # Lockton Employment Practices Liability Insurance Lockton Employment Practices Liability (EPL) Insurance Brokerage 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.) ## Issuing Insurer - **Not publicly disclosed.** The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Scope: EPL product page checked 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. [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.) ## 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.) ## 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. [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.) ## Lockton Employment Practices Liability Insurance Compared - [Lockton vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices) - [Lockton vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices) - [Lockton vs Beazley](https://spot.insure/compare/beazley-vs-lockton/employment-practices) - [Lockton vs CFC](https://spot.insure/compare/cfc-vs-lockton/employment-practices) - [Lockton vs Chubb](https://spot.insure/compare/chubb-vs-lockton/employment-practices) - [Lockton vs Coalition](https://spot.insure/compare/coalition-vs-lockton/employment-practices) ## Other Lockton Coverage Lines - [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime) - [Lockton D&O Insurance](https://spot.insure/insurance-providers/lockton/directors-officers) - [Lockton Fiduciary Liability Insurance](https://spot.insure/insurance-providers/lockton/fiduciary) - [Lockton General Liability Insurance](https://spot.insure/insurance-providers/lockton/general-liability) - [Lockton Representations and Warranties Insurance](https://spot.insure/insurance-providers/lockton/representations-warranties) - [Lockton Workers’ Compensation Insurance](https://spot.insure/insurance-providers/lockton/workers-compensation) ## Related - [Lockton Profile](https://spot.insure/insurance-providers/lockton) - [Lockton Reliability](https://spot.insure/insurance-providers/lockton/reliability) - [Lockton Alternatives](https://spot.insure/insurance-providers/lockton/alternatives) - [Coverage Guide: Employment practices liability](https://spot.insure/coverage/employment-practices) ## Sources 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/lockton/employment-practices.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)