Harper vs Relm Insurance Umbrella and Excess Liability Insurance

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. ³Company-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. ⁶Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Not described in the reviewed sources.

The reviewed page does not name a specific issuing insurer for excess liability placements. ⁶Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

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. ³Company-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. ⁶Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company.

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. ³Company-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. ³Company-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. ⁶Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control.

Harper says each additional million in umbrella limits typically costs a fraction of the first million, and that industry and underlying limits drive price, but the reviewed page does not publish specific limit amounts, retentions or premium figures. ³Not publicly disclosed. Umbrella page 'We know this' section and FAQ 'What does it cost?'; figures would appear on an actual quote.

Not described in the reviewed sources.

You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. ³Company-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. ⁶Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research.