Gallagher vs 
Relm Insurance: How Do They Compare for Umbrella and Excess Liability Insurance?
Relm Insurance presents excess liability as a broker-placed line and says brokers advise on limit needs; Gallagher places umbrella and excess with outside carriers and offers custom excess-casualty program design.
Gallagher suits companies that want a broker to design their whole casualty program, including gap analysis, alternative-risk options and claims advocacy. Relm offers excess liability for heavier exposures such as fleets, big contracts, energy, manufacturing and transportation, with your broker setting the limit. 1,2
What Are the Key Differences Between Gallagher and Relm Insurance Umbrella and Excess Liability Insurance?
A Designed Program Versus One Excess Product
Gallagher places umbrella and excess with outside insurers as part of a casualty program alongside auto liability, workers' comp and general and product liability. It offers custom excess design, alternative-risk programs, pre-renewal meetings, gap analysis, contract and form review, and a claims and loss-control advocacy team. Relm sells a single excess liability product that adds protection once your underlying liability limits are used up. It names companies with large fleets, heavy public interaction or large contracts, especially in energy, manufacturing or transportation. Choose Gallagher if you want one broker coordinating your whole casualty program; choose Relm, through your current broker, if you're in one of its named industries and just need more limit. 1 2
Who Decides Your Limit
Relm says brokers will always advise on the exact limit you need, so the number depends on your broker. Gallagher sets structure, limits and pricing as part of its program design. Neither page publishes limits, starting points or the issuing insurer. 1 2
What Should You Confirm in Gallagher and Relm Insurance Umbrella and Excess Liability Insurance Quotes?
- Ask your broker what limit it recommends for Relm and which underlying policies it sits over. 2
- Ask Gallagher whether you're getting conventional excess or an alternative-risk structure, and what that means for your retained costs. 1
- Check whether your business falls in Relm's energy, manufacturing or transportation focus; Gallagher names no target industry. 2 1
- Ask both which insurer issues the policy. 1 2
Gallagher vs Relm Insurance Umbrella and Excess Liability Compared
Gallagher vs Relm Insurance: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Gallagher Umbrella/Excess Liability Insurance | Relm Excess Liability Insurance |
|---|---|---|
| Coverage Features | Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. 1Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement. | Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. 2Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control. |
| Role in This Line | Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. 1Company-reported. Group-level casualty practice page. | Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. 2Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
