---
title: "HUB International vs Relm Insurance: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-relm/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-relm"
provider-a: "hub-international"
provider-b: "relm"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-relm/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Relm Insurance for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about HUB International versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Relm Insurance for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, HUB International or Relm Insurance?
- What does HUB International or Relm Insurance publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: HUB International and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 whose in-house attorneys review your EPL wording and back you through a claim, while Relm offers EPL plus wage-and-hour cover that a broker places for you.

## HUB International vs Relm Insurance Employment Practices Liability Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Large employers: get Relm’s wage-and-hour terms in writing, including whether settlements are covered. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Ask the broker placing Relm who handles your claim. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Get limits and retentions on both quotes, and ask whether defense costs reduce the limit. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## HUB International vs Relm Insurance Employment Practices Liability Compared

| 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. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; the issued policy and declarations control..)<br><br>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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About HUB International and Relm Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for HUB International vs Relm Insurance

- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [HUB International Employment Practices Liability Insurance](https://spot.insure/insurance-providers/hub-international/employment-practices)
- [Relm Insurance Employment Practices Liability Insurance](https://spot.insure/insurance-providers/relm/employment-practices)

## Sources for HUB International vs Relm Insurance

### Sources About HUB International

1. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). 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.

### Sources About Relm Insurance

2. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/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.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-relm/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)