What Does Employment Practices Liability Insurance from Lockton Cover?

Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. ¹Company-reportedEPL product page as read 2026-09-23.

The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. ¹Not publicly disclosedEPL product page checked 2026-09-23.

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-reportedEPL product page as read 2026-09-23.

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-reportedEPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client.

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. ¹Company-reportedEPL product page as read 2026-09-23.