HUB International vs Relm Insurance: How Do They Compare for Employment Practices Liability Insurance?

HUB International brokers EPL through ProEx and offers claims support through a legal-risk group. Relm Insurance sells broker-placed EPL to companies of any size and describes coverage for defense and settlement costs.

HUB is a broker you hire directly, with in-house attorneys who review your EPL wording before a claim and support you through it; Relm is a market your broker accesses, offering EPL plus separate wage-and-hour cover for overtime and misclassification suits. Relm publishes the claim types it covers. ^1,²

What Are the Key Differences Between HUB International and Relm Insurance Employment Practices Liability Insurance?

Attorney-Backed Broker vs Wage-and-Hour Market

HUB International brokers EPL as part of its ProEx executive liability practice and doesn’t underwrite it. Relm offers EPL and wage-and-hour cover through its financial-lines solutions, which other brokers place; you can’t buy directly. Neither names an insurer. Choose HUB if you want a broker whose attorneys stay with you from policy review through a claim; ask your broker about Relm if you are a large employer worried about overtime or misclassification class actions. ¹ ²

Published Claim Types vs Form Needed

Relm lists defense and settlement for harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour cover for overtime mishandling and misclassification. HUB’s ProEx page points to 2026 pay-transparency laws as an EPL concern but publishes no coverage terms. You can check a Relm quote against its list; with HUB you need the specimen policy. ² ¹

In-House Claims Attorneys vs No Described Claims Help

HUB’s Claims & Legal Risks Group is a team of attorneys specializing in ProEx lines including EPL, working from pre-claim wording review through recovery. Relm describes no claims support; your placing broker would be your advocate. If you want lawyers on your side when an employee sues, HUB says it provides them. ¹ ²

What Should You Confirm in HUB International and Relm Insurance Employment Practices Liability Insurance Quotes?

Ask HUB which insurer issues the policy and whether wage-and-hour is on the form or placed separately. ¹ ²
Large employers: get Relm’s wage-and-hour terms in writing, including whether settlements are covered. ² ¹
Ask the broker placing Relm who handles your claim. ¹ ²
Get limits and retentions on both quotes, and ask whether defense costs reduce the limit. ¹ ²

HUB International vs Relm Insurance Employment Practices Liability Compared

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)
How to Apply	HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ¹Company-reported. ProEx page call to action.	Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ²Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.
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. ¹Company-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. ²Company-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. ²Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section.
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. ¹Company-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. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

HUB International Employment Practices Liability Insurance Brokerage

Relm Employment Practices Liability Insurance (EPL/W&H)

How to Apply

HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ¹Company-reported. ProEx page call to action.

Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ²Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.

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. ¹Company-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. ²Company-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. ²Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section.

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. ¹Company-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. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.