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

CNA says its EPL can address third-party discrimination or harassment and acts involving volunteers, interns and contractors. Relm separately describes wage-and-hour protection for underpayment, overtime and misclassification exposures, particularly for large employers. ^4,⁷

CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. ^1,^2,³

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Read the CNA 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. ^5,⁶

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. ^8,^9,¹⁰

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Key Differences in Employment Practices Liability Insurance

People and allegations within scope

CNA specifically identifies third-party discrimination or harassment and acts involving volunteers, interns and independent contractors, alongside employee allegations. Relm lists harassment, discrimination, wrongful termination, contract breach and emotional distress, then treats wage-and-hour issues as a distinct exposure. If your workforce includes nonemployees or faces classification disputes, ask each provider to show how those facts affect the insured-person definition and covered claim. ⁴ ⁷

Wage-and-hour treatment

Relm names minimum-wage underpayment, overtime mishandling and worker misclassification, and describes this protection as especially relevant to large employers. CNA’s reviewed claims focus on EPL allegations and HR resources rather than a distinct wage-and-hour feature. Do not assume the standard EPL quote covers wage disputes: ask CNA whether an endorsement is available, and get Relm’s separate wage-and-hour terms, limits and exclusions in writing. ⁷ ⁴

What to Confirm in Employment Practices Liability Insurance Quotes

Ask Relm which wage-and-hour claims, employer sizes and policy limits its separate coverage supports. ⁷
Have CNA confirm in writing whether wage disputes are covered or require a separate endorsement; review its definition of third parties and contractors. ⁴

CNA and Relm Insurance Review Scores for 2026

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.

CNA Review Score

9.0/ 10

Review Score

1 rated source

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.^[1]^[5]

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Relm Insurance Review Score

-/ 10

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]

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CNA vs Relm Insurance Employment Practices Liability Compared

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

Criteria	CNA Epack 3 Employment Practices Liability	Relm Employment Practices Liability Insurance (EPL/W&H)
Role in This Line	Confirm in your quote.	Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ⁷Company-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. ⁷Not 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	CNA identifies private, nonprofit and public organizations among the potential EPL customer classes. ⁴Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Eligibility remains subject to underwriting and policy state. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current.	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. ⁷Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.
Coverage Features	CNA EPL covers allegations including discrimination, harassment, retaliation, failure to hire or promote, wrongful discipline and employment-contract breach. ⁴Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current. CNA says EPL coverage can address third-party discrimination/harassment and acts involving volunteers, interns and independent contractors. ⁴Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current.	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. ⁷Company-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. ⁷Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section.
Risk Services	CNA advertises Beyond HR workplace training/resources and an employment-law helpline; it says the helpline does not provide legal advice on specific acts or claims. ⁴Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability services Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Services are not legal representation or a guarantee of coverage. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current.	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. ⁷Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.

Related Pages for CNA vs Relm Insurance Employment Practices Liability

Employment Practices Liability Pages for CNA and Relm Insurance

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Sources for CNA vs Relm Insurance

Sources About CNA

Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
Employment Practices Liability | CNA. CNA; pp. 1–3: wrongful practices, third-party acts, insured classes, risk services and claims. Accessed 2026-09-28.

Sources About 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.

Sources for the 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.