Harper vs Relm Insurance: How Do They Compare for Umbrella and Excess Liability Insurance?

Harper places umbrella above a client's primary policies, tied to leases or contracts that require higher limits; Relm Insurance markets excess liability for large vehicle fleets, public interaction and large contracts.

You can call Harper yourself, and a specialist reviews your policies before stacking a layer that follows their terms. Relm's excess is reached only through a broker and is aimed at fleets, public-facing businesses, large contracts, energy, manufacturing and transportation. ^1,²

What Are the Key Differences Between Harper and Relm Insurance Umbrella and Excess Liability Insurance?

Direct Contact Versus Broker Only

Harper takes your request online or by phone, and a specialist looks at your existing policies before recommending a limit. Relm's page is written for brokers: it says brokers will advise on the exact limit you need, and you can't apply yourself. Choose Harper if you don't have a broker and want someone to check what you already carry; ask your broker about Relm if you run fleets, serve the public, sign large contracts, or work in energy, manufacturing or transportation. ¹ ²

How Closely the Layer Matches Your Policies

Harper's layer follows the terms of the policies beneath it, and it maps which ones those are, so gaps between the layer and your primaries are less likely. Relm says only that its excess pays once your underlying limits are used up, with no mapping step described. ¹ ²

What Should You Confirm in Harper and Relm Insurance Umbrella and Excess Liability Insurance Quotes?

Ask your broker whether Relm will accept your industry and fleet. ²
Ask Harper how its layer treats auto claims and employee lawsuits. ¹
Ask which insurer issues each policy; neither page names one. ² ¹
Get the limit and where the layer starts in writing; neither publishes figures. ² ¹

Harper vs Relm Insurance Umbrella and Excess Liability Compared

Harper vs Relm Insurance: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Harper Umbrella Insurance	Relm Excess Liability Insurance
Who It’s For	Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. ¹Company-reported. Umbrella FAQ 'Do I need an umbrella?'.	Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. ²Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company.
How to Apply	You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. ¹Company-reported. Umbrella page quote form and 'Why Harper' process steps.	Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. ²Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research.
Coverage Features	Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ¹Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify. Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ¹Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.	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	Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ¹Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section.	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.