Coalition vs Relm Insurance Employment Practices Liability Insurance

Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.

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.

Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific EPL policy depends on the placement route. ⁵Company-reported. U.S. Disclaimers page as read on 2026-09-23.

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.

Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23.

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.

Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ⁴Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual 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.

Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.

Not described in the reviewed sources.

Coalition says Executive Risks policyholders, including EPL buyers, get a customized risk assessment, a hotline for assistance with HR-related issues, employee training, and a handbook builder, which are specifically relevant to reducing employment-practices exposure. ⁴Company-reported. Executive Risks page and FAQ as read on 2026-09-23.

Not described in the reviewed sources.

Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.

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.