Amelia Risk vs Relm Insurance Umbrella and Excess Liability Insurance

Amelia Risk arranges umbrella and excess liability as part of its general liability practice; its policies hub groups the two under one 'General Liability & Umbrella' catalogue card rather than listing umbrella as a standalone product. ⁵Company-reported. Policies hub as read on 2026-09-23. Describes how the firm catalogues the line, not a specific insurer or program.

Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. ⁹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Not described in the reviewed sources.

The reviewed page does not name a specific issuing insurer for excess liability placements. ⁹Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Amelia Risk lists Umbrella Liability among the policies it says startup clients should consider, alongside other liability lines in its startup catalogue. ⁶Company-reported. Startups specialty page as read on 2026-09-23. Describes a marketed audience, not an underwriting eligibility rule or a stated minimum for underlying limits.

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. ⁹Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company.

Amelia Risk describes an umbrella policy as one that increases the limits of a client's underlying scheduled liability policies, and notes that in some cases the product placed is technically an excess policy rather than an umbrella policy. ⁴Company-reported. General Liability page's umbrella subsection. A plain-language description of how the firm frames the product, not a specimen form or list of which underlying policies must be scheduled.

Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. ⁹Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control.

The reviewed pages do not publish umbrella or excess limit amounts, attachment points or required underlying limits; Amelia Risk's description stays at the level of the product's general purpose. ^4,5Not publicly disclosed. General Liability page and policies hub as read on 2026-09-23. A checked gap, not a statement that no limit options exist.

Not described in the reviewed sources.

Amelia Risk applies its general four-step brokerage process to an umbrella or excess request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ²Company-reported. Specialties page process description, which applies across the firm's lines rather than describing an umbrella-specific intake form.

Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. ⁹Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research.