Berkshire Hathaway Specialty Insurance vs 
Relm Insurance: How Do They Compare for Employment Practices Liability Insurance?
Berkshire Hathaway Specialty Insurance includes EPL in Executive First alongside D&O, fiduciary, crime, and employed-lawyer coverage. Relm says EPL is available through brokers to companies with employees regardless of headcount, and describes wage-and-hour coverage for minimum-wage, overtime, and worker-misclassification issues. 5,8
What Is Berkshire Hathaway Specialty Insurance?
BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance page
What Is Relm Insurance?
Relm suits AI developers distinguishing liability and cyber/Tech E&O through Nova AI from first-party losses caused by third-party AI failures through Resca AI; businesses seeking standard small-business coverage should compare generalist providers. 6,7
Read the Relm Insurance profile
Read the Relm Insurance Employment Practices Liability Insurance page
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 9,10,11
Key Differences in Employment Practices Liability Insurance
Form and Limit Structure
Relm’s public description surfaces wage-and-hour exposure as a distinct coverage area; Berkshire Hathaway Specialty Insurance’s portfolio summary confirms EPL but does not spell out that grant. Relm’s reviewed page does not name the insurer or publish limits. Employers should compare whether wage-and-hour protection is included, separately endorsed, or unavailable under the actual quote. 5 8
Where the Buyer Fits
Berkshire Hathaway Specialty Insurance identifies private companies at $10 million in revenue or more among its target accounts, while Relm highlights fast-growing businesses as hiring expands. A smaller employer might find Relm’s headcount language relevant; a larger firm may value Berkshire Hathaway Specialty Insurance’s combined management portfolio. Neither audience statement replaces insurer underwriting. 5 8
What to Confirm in Employment Practices Liability Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Berkshire Hathaway Specialty Insurance
Review Score
No reviews found
The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsRelm Insurance
Review Score
No reviews found
We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet.[9]
Read Relm Insurance reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Relm Insurance: Employment Practices Liability Insurance: documented features by provider
| Criteria | Employment Practices Liability in Executive First Private Company Portfolio | Relm Employment Practices Liability Insurance (EPL/W&H) |
|---|---|---|
| Role in This Line | BHSI lists Employment Practices Liability within its Executive First Private Company Portfolio comprehensive form with D&O, fiduciary, Commercial Crime and employed-lawyer insurance. 5Company-reported. This is portfolio marketing and does not show that EPL must be purchased with every other component. | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. 8Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name a specific issuing insurer for EPL/wage-and-hour placements. 8Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| Who It’s For | BHSI identifies private companies with at least $10 million in revenue among portfolio target accounts. 5Company-reported. This is the portfolio’s target segment, not an eligibility guarantee for an EPL quote. | 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. 8Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company. |
| Coverage Features | BHSI explicitly includes Employment Practices Liability in the listed portfolio form. 5Company-reported. The source identifies the line but does not describe covered allegations, exclusions or terms. | 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. 8Company-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. 8Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section. |
| Limits and Retentions | BHSI advertises shared or separate portfolio limits up to $50 million. 5Company-reported. A portfolio-wide maximum is not an EPL limit or a quote. | Confirm in your quote. |
| Risk Services | The portfolio page says policyholders can access EPL First, an online repository of HR training and compliance resources and an attorney helpline. 5Company-reported. The page describes portfolio services; it does not state the helpline’s scope or availability for every policyholder. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 8Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model. |
Full Comparison
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Sources
Berkshire Hathaway Specialty Insurance
- At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
- About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
- Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
- Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
- Executive First Private Company Portfolio. Berkshire Hathaway Specialty Insurance; Product Highlights, lines 11–15: D&O, EPL, fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits up to $50 million; EPL First HR resources and attorney helpline. Top Targets, lines 16–25: private companies with at least $10 million revenue and listed industries. Reopened 2026-09-30. Accessed 2026-09-30.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Financial Lines Insurance. Relm Insurance; Employment Practices Liability Insurance (EPL): What Is Employment Practices Liability Insurance?; What Is Wage and Hour Liability Insurance?; Growing Fast? Make Sure Your Cover Keeps Up; Who Needs Employment Practices Liability? Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
