Alliance Risk vs Relm Insurance: How Do They Compare for Umbrella and Excess Liability Insurance?

Relm Insurance markets excess liability that brokers place for companies with large fleets, heavy public interaction or large contracts. Alliance Risk arranges umbrella and excess over GL, auto or employer's liability, with typical limits from $1M to $25M or more.

You can go straight to Alliance Risk for an umbrella, with published limits from $1 million to $25 million or more and sample pricing. Relm's excess liability is reached only through your broker and targets high-exposure energy, manufacturing and transportation businesses. ^1,²

What Are the Key Differences Between Alliance Risk and Relm Insurance Umbrella and Excess Liability Insurance?

Who You Call

Alliance Risk places umbrella and excess for its own clients, so you can contact it directly. Relm offers excess liability as a line your broker places for you, and says the broker advises on the limit you need; if your broker doesn’t work with Relm, you can’t reach it. Choose Alliance Risk if you don’t have a broker or want someone to shop the layer for you; choose Relm if your broker already accesses it and you are an energy, manufacturing or transportation business. ¹ ²

Which Industries Each Names

Both name fleets and manufacturing. Relm adds energy and businesses with heavy public interaction or large contracts. Alliance Risk adds construction, distributors, retailers and hospitality. A contractor or hotel has clearer footing with Alliance Risk; an energy company, with Relm. ¹ ²

What You Can See Before Quoting

Alliance Risk publishes typical limits and sample premiums, and explains that an umbrella can cover some claims your underlying policy excludes while excess only adds limit. Relm says only that its excess pays once your underlying limits are used up and publishes no limits. Ask Relm’s broker whether the layer can broaden coverage or only adds limit. ¹ ²

What Should You Confirm in Alliance Risk and Relm Insurance Umbrella and Excess Liability Insurance Quotes?

Ask your broker whether it can place with Relm. ²
Ask Alliance Risk whether your quote is umbrella or excess, and which underlying policies it sits over. ¹
Get Relm’s limit and attachment point in writing; it publishes neither. ²
Ask both which insurer issues the policy. ¹ ²

Alliance Risk vs Relm Insurance Umbrella and Excess Liability Compared

Alliance Risk vs Relm Insurance: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Alliance Risk Umbrella & Excess Liability Insurance	Relm Excess Liability Insurance
Who It’s For	Alliance Risk says umbrella and excess coverage is commonly needed by construction firms, manufacturers and distributors, retailers and hospitality businesses, and logistics and transportation companies with large vehicle fleets. ¹Company-reported. Umbrella & Excess Liability Insurance page, "Who Needs" section.	Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. ²Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company.
Coverage Features	Alliance Risk distinguishes umbrella coverage, which it says can broaden protection to some claims not in the underlying policy, from excess coverage, which strictly follows the underlying policy's terms and only extends its limits; both exclude claims already excluded by the underlying policy, first-party property damage, workers' compensation claims and intentional or criminal acts. ¹Company-reported. Umbrella & Excess Liability Insurance page, "What Is" and "What Does/Doesn't Cover" sections; the issued policy and declarations control actual terms.	Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. ²Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control.
Role in This Line	Alliance Risk places umbrella and excess liability coverage that sits above a client's underlying general liability, auto liability or employer's liability policies, describing its role as arranging this additional layer rather than underwriting it. ¹Company-reported. Umbrella & Excess Liability Insurance page.	Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.