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

Gallagher places EPL with outside carriers and uses predictive models and benchmarking to assess exposure. Relm Insurance sells broker-placed EPL to companies of any size and describes coverage for legal defense and settlement costs.

Gallagher is a broker you hire directly, and it sizes your EPL limit from its own EPL and wage-and-hour loss data; Relm supplies EPL plus separate wage-and-hour cover for large employers facing class actions, but only through a broker. ^2,¹

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

Broker You Hire vs Coverage Your Broker Buys

Gallagher's Executive and Financial Risk practice places EPL with outside insurers and advises on limits and program design. Relm markets EPL and wage-and-hour cover for brokers to place; you cannot buy it directly, so you would reach Relm only if Gallagher or another broker submits to it. Neither names the insurer. Choose Gallagher if you want an advisor to size and shop your program; ask your broker to include Relm if you are a large employer with hourly staff and wage-and-hour class-action exposure. ² ¹

Wage-and-Hour Cover vs Wage-and-Hour Data

Relm sells wage-and-hour coverage for minimum-wage, overtime and misclassification claims, separate from EPL, which it says covers defense and settlement for harassment, discrimination, wrongful termination, breach of contract and emotional distress. Gallagher uses wage-and-hour losses only as data: its EPL and wage-and-hour databases, including losses over $1 million, guide your limit. Gallagher describes EPL as covering sexual harassment and wrongful termination, including class actions and single-plaintiff claims. ² ¹

Advisory Tools Only at Gallagher

Gallagher models your exposure by headcount, employee type, mix and location, and offers predictive models, benchmarking and contract analysis. Relm's page describes none of these; it notes that fast-growing companies face rising exposure as hiring scales. ² ¹

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

Ask Gallagher whether Relm or similar wage-and-hour capacity is on your submission, and how its loss data set your limit. ¹ ²
Ask your broker which insurer issues Relm's EPL and its wage-and-hour cover. ²
Ask whether breach-of-contract and emotional-distress claims are covered on any Gallagher placement. ² ¹
Get both retentions in writing. ¹ ²

Gallagher vs Relm Insurance Employment Practices Liability Compared

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

Criteria	Gallagher Employment Practices Liability (EPL) Insurance	Relm Employment Practices Liability Insurance (EPL/W&H)
Who It’s For	Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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. ²Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.
Coverage Features	Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.	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. ²Company-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. ²Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section.
Role in This Line	Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ¹Company-reported. Group-level executive-and-financial-risk practice page.	Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Gallagher Employment Practices Liability (EPL) Insurance

Relm Employment Practices Liability Insurance (EPL/W&H)

Who It’s For

Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ¹Company-reported. Group-level executive-and-financial-risk practice page.

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. ²Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.

Coverage Features

Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

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. ²Company-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. ²Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section.

Role in This Line

Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ¹Company-reported. Group-level executive-and-financial-risk practice page.

Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.