---
title: "Gallagher vs Relm Insurance: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/gallagher-vs-relm/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-relm"
provider-a: "gallagher"
provider-b: "relm"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-relm/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Gallagher and Relm Insurance for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Gallagher versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Gallagher vs Relm Insurance for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Gallagher or Relm Insurance?
- What does Gallagher or Relm Insurance publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Gallagher and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Gallagher vs Relm Insurance](https://spot.insure/compare/gallagher-vs-relm) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 retail broker that sets your EPL limit using its own loss databases, including losses over $1 million, while Relm supplies EPL and separate wage-and-hour cover that your broker must place.

## Gallagher vs Relm Insurance Employment Practices Liability Insurance Summary

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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask your broker which insurer issues Relm's EPL and its wage-and-hour cover. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask whether breach-of-contract and emotional-distress claims are covered on any Gallagher placement. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Get both retentions in writing. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## Gallagher vs Relm Insurance Employment Practices Liability Compared

| 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; the issued policy and declarations control..)<br><br>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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About Gallagher and Relm Insurance and Employment Practices Liability

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Gallagher vs Relm Insurance

- [Gallagher vs Relm Insurance](https://spot.insure/compare/gallagher-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Gallagher Employment Practices Liability Insurance](https://spot.insure/insurance-providers/gallagher/employment-practices)
- [Relm Insurance Employment Practices Liability Insurance](https://spot.insure/insurance-providers/relm/employment-practices)

## Sources for Gallagher vs Relm Insurance

### Sources About Gallagher

1. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.

### Sources About Relm Insurance

2. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/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.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/gallagher-vs-relm/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)