Beazley vs Relm Insurance: How Do They Compare for Employment Practices Liability Insurance?

Beazley insures EPL nationwide with limits up to US $20 million, while Relm Insurance says EPL covers legal defense and settlements for companies with employees.

Beazley’s EPL covers only defense costs on wage-and-hour suits, up to a sublimit; to cover settlements you buy its separate Workplace Protect policy. Relm offers EPL and wage-and-hour cover through brokers, aimed at large employers facing class actions. ^1,^2,³

What Are the Key Differences Between Beazley and Relm Insurance Employment Practices Liability Insurance?

Defense-Only Sublimit Plus a Separate Policy vs One Wage-and-Hour Product

Beazley’s EPL includes a wage-and-hour sublimit that pays defense costs only; to cover settlements or judgments, you buy its standalone Workplace Protect policy. Relm offers wage-and-hour cover for minimum-wage underpayment, overtime and misclassification suits, framed for large employers facing individual and class actions, but its sources don’t say whether it pays settlements. Choose Beazley if you want published wage-and-hour indemnity; ask about Relm if you’re a large employer and your broker can reach it. ¹ ³

Up to 30,000 Employees vs Any Employer

Beazley considers employers up to 30,000 employees and names hard-to-place classes, including staffing firms with no stated cap. Relm says any company with employees benefits from EPL and highlights fast-growing companies scaling hiring. ¹ ³

Insurer Applications vs Broker-Only Access

Beazley is the insurer and writes EPL alone or inside its ExecuGuard package, with downloadable EPL, ExecuGuard and staffing applications but no online quote. Relm sells through insurance brokers and describes no direct quote, so you need a broker who works with it. ¹ ² ³

What Should You Confirm in Beazley and Relm Insurance Employment Practices Liability Insurance Quotes?

Ask the broker placing Relm which insurer would issue the policy; Relm’s sources don’t say. ³
Ask whether each wage-and-hour quote pays settlements or only defense: Beazley’s EPL sublimit, Workplace Protect, or Relm’s cover. ¹ ³
Get limits and retentions in writing. Beazley advertises up to $20 million; Relm publishes no limit. ¹ ³
Ask Relm whether your submission is general EPL or its wage-and-hour product for large employers. ³

Beazley vs Relm Insurance Employment Practices Liability Compared

Beazley vs Relm Insurance: Employment Practices Liability Insurance: documented features by provider

Criteria	Beazley Employment Practices Liability	Relm Employment Practices Liability Insurance (EPL/W&H)
Who It’s For	Beazley says it considers employers in all industries with up to 30,000 employees, with no stated employee-count limit for staffing firms, and describes an appetite for harder-to-place classes such as law firms, hospitality, high-tech, healthcare, retail and transportation; healthcare risks are instead written through Beazley Remedy. ¹Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant.	Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. ³Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.
How to Apply	Beazley lists an ExecuGuard application, an EPL renewal application and a staffing supplemental application as downloadable tools on the EPL page; the reviewed page does not describe a self-service online quoting flow for new business. ¹Company-reported. EPL product page Tools & Resources section as read on 2026-09-23.	Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ³Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.
Coverage Features	The EPL policy covers a broad range of discrimination, harassment and other "inappropriate employment conduct" claims, lets the policyholder choose between "duty to defend" and "pay on behalf" claim handling, and includes industry-specific wordings for classes such as law firms, accountants, staffing firms and PEOs. ¹Company-reported. EPL product page coverage description; exclusions and conditions are set by the issued policy. Beazley lists sublimited extensions for immigration-practices defense costs and OSHA proceedings, and a wage-and-hour defense-costs sublimit subject to underwriting; standalone wage-and-hour indemnity (not just defense costs) is sold separately through Beazley's Workplace Protect product. ¹Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote.	Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. ³Company-reported. Financial Lines page general description; the issued policy and declarations control. Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. ³Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section.
Role in This Line	Beazley underwrites employment practices liability (EPL) coverage as a standalone product on its dedicated EPL page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and fiduciary liability. ^1,²Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular policy.	Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.