HUB International vs 
Relm Insurance Employment Practices Liability Insurance
HUB places EPL through ProEx with attorney-led claims support; Relm sells EPL and wage-and-hour through brokers and names typical claim types.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 1,2,3
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 5,6
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 8
Key Differences in Employment Practices Liability Insurance
Who Places the Policy and Who Markets the Form
HUB International brokers employment practices liability as one Executive Liability line inside ProEx and does not underwrite it. Relm markets EPL, including wage-and-hour, as coverage other brokers place through Relm’s solutions, also without naming an issuing insurer on the reviewed page. You are comparing a retail brokerage practice with a financial-lines market that distributes through brokers. 4 7
What Each Source Says the Policy Can Answer
Relm’s financial-lines page lists legal defense and settlement for harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour issues such as overtime mishandling and misclassification. HUB’s ProEx page flags 2026 pay-transparency laws as relevant to EPL in an article title but does not set out insuring agreements, exclusions or endorsements in its own text. A Relm quote therefore has a published claim-type list to check against; a HUB quote still needs the specimen form for those details. 7 4
Claims Help Versus Product Description
HUB describes a Claims & Legal Risks Group of attorneys who specialize in ProEx coverages including EPL, from pre-claim wording review through recovery. Relm’s reviewed page does not describe a comparable claims counsel bench; it focuses on who needs EPL and what wage-and-hour actions look like for large employers. 4 7
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask HUB which carrier issues the EPL policy and whether wage-and-hour is on the form or a separate placement; Relm also does not name an insurer on the reviewed page. 4 7
- Get Relm’s wage-and-hour terms in writing if you are a large employer; HUB’s public ProEx text does not describe that coverage. 7 4
- Confirm HUB’s attorney claims support applies to your EPL placement and what Relm’s broker will do if a claim is filed. 4 7
- Neither reviewed page publishes EPL limits; compare retentions and whether defense erodes the limit on both quotes. 4 7
Offering Details
HUB International vs Relm Insurance Employment Practices Liability Insurance: documented features by provider
| Criteria | HUB International Employment Practices Liability Insurance Brokerage | Relm Employment Practices Liability Insurance (EPL/W&H) |
|---|---|---|
| Role in This Line | HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. 4Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL. | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. 7Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | No insurer is named for EPL on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. 4Not found in reviewed sources. Checked the ProEx page on 2026-09-23. | The reviewed page does not name a specific issuing insurer for EPL/wage-and-hour placements. 7Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| Who It’s For | The ProEx page does not publish a size, industry or state eligibility list specific to EPL; its FAQ discusses D&O, EPL, fiduciary and E&O interplay in the context of "large organizations" without defining a minimum size. 4Not found in reviewed sources. Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria. | 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. 7Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company. |
| Coverage Features | HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. 4Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim. | 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. 7Company-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. 7Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section. |
| Limits and Retentions | Published EPL policy limits or retentions were not found on the ProEx page. 4Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations. | Not described in the reviewed sources. |
| Risk Services | HUB says its ProEx team, which lists EPL among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. 4Company-reported. ProEx page team and services description; not specific to a single EPL engagement. | Not described in the reviewed sources. |
| How to Apply | HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. 4Company-reported. ProEx page call to action. | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 7Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model. |
| Claims Support | HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. 4Company-reported. ProEx page claims and legal support section. | Not described in the reviewed sources. |
Full Comparison
More HUB International vs Relm Insurance Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- HUB ProEx. HUB International; ProEx Coverages list including Employment Practices Liability (EPL) under Executive Liability; "Pay Transparency Laws in 2026: What It Means for EPL Coverage" article title; FAQ on D&O/EPL/fiduciary/E&O interplay; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- 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.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
