Chubb vs Relm Insurance Employment Practices Liability Insurance

Chubb underwrites Employment Practices Liability (EPL) insurance as one of seven coverage parts within its ForeFront Portfolio, providing coverage aimed at private companies, not-for-profit organizations and healthcare organizations. ⁴Company-reported. ForeFront Portfolio EPL product sheet.

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.

Chubb's EPL product sheet states that insurance is provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. ⁴Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.

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.

Not described in the reviewed sources.

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.

Chubb says the policy covers EPL claims brought by past, present and prospective employees and independent contractors, uses a broad definition of "Employment Practices Wrongful Act," and includes early-engagement expense coverage for pre-matter and pre-tender expenses or early-settlement opportunity costs. ⁴Company-reported. Coverage Highlights list; subject to the policy as issued.

Chubb says the EPL form builds in defense-provision optionality, including a Duty to Defend by Chubb option, and coverage for a written request to toll or waive a statute of limitations. ⁴Company-reported. Coverage Highlights list.

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.

The reviewed product sheet illustrates claim scenarios (settlements ranging from under $1 million to $350,000, with defense costs shown separately) but does not publish specific policy limits or retentions. ⁴Not found in reviewed sources. Claims Scenarios section; illustrative examples, not policy terms.

Not described in the reviewed sources.

Chubb says EPL policyholders get access to ChubbWorks, a free online resource with loss-prevention tools for employment and employee issues, and integrated global coverage capabilities through Chubb's affiliated broker network for locally admitted policies where permissible. ⁴Company-reported. Coverage Highlights list; company-described service program.

Not described in the reviewed sources.

Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. ⁵Company-reported. ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally.

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.