---
title: "Relm Insurance vs RiskCube Employment Practices Liability Insurance"
description: "Relm markets EPL and wage-and-hour through brokers, including for large employers; RiskCube lists EPLI for first-hire startups on a catalogue card."
canonical: "https://spot.insure/compare/relm-vs-riskcube/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Relm Insurance vs RiskCube Employment Practices Liability Insurance

Relm markets EPL and wage-and-hour through brokers, including for large employers; RiskCube lists EPLI for first-hire startups on a catalogue card.

## Research Scope and Use

Use this comparison to evaluate Relm Insurance and RiskCube for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Relm offers EPL plus wage-and-hour for other brokers to place and lists employee-claim types and class-action wage-and-hour exposure. RiskCube is an independent brokerage that describes EPLI for startups hiring their first employees, without a dedicated product page or wage-and-hour discussion. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## 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. [1](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [2](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [4](https://riskcubeai.com/ "Startup Business Insurance") [5](https://riskcubeai.com/licenses "Licenses & Disclosures") [6](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Relm Market Versus Independent Startup Broker

Relm markets EPL, including wage-and-hour, as coverage brokers can place through Relm. RiskCube lists EPLI on a startup catalogue through RiskCube Insurance Services, LLC, an independent brokerage that does not underwrite. Relm is a financial-lines offering in someone else’s retail relationship; RiskCube is the retail broker for the startup catalogue. Neither reviewed page names the issuing insurer. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### Any Employer Versus First Hires

Relm says any company with employees benefits from EPL regardless of headcount, highlights fast-growing companies, and frames wage-and-hour coverage around large employers facing individual and class actions. RiskCube says EPLI is critical for startups hiring their first employees or scaling a team rapidly. Relm’s wage-and-hour story assumes scale; RiskCube’s card assumes early hiring. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### Claim Types on the Page

Relm lists harassment, discrimination, wrongful termination, breach of contract and emotional distress, plus wage-and-hour issues such as overtime mishandling and misclassification. RiskCube’s catalogue lists wrongful termination, discrimination, harassment or retaliation by current or former employees, with no wage-and-hour product and no dedicated EPLI page—the learn-more link is a contact form. Relm does not describe an online quote either. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [8](https://riskcubeai.com/insurance/epli "Contact RiskCube")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask who your retail broker is if Relm is the market, versus dealing with RiskCube directly. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- Put wage-and-hour on the Relm quote if you have a large workforce; RiskCube’s catalogue does not describe it. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- Get issuing insurers and limits from both. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- Confirm how a claim is reported after RiskCube’s contact form versus through the Relm-appointed broker. [8](https://riskcubeai.com/insurance/epli "Contact RiskCube") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## Offering Details

| Criteria | Relm Employment Practices Liability Insurance (EPL/W&H) | RiskCube Employment Practices Liability Insurance |
| --- | --- | --- |
| Role in This Line | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. [3](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..) | RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail..) |
| Issuing Insurer | The reviewed page does not name a specific issuing insurer for EPL/wage-and-hour placements. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) | Not described in the reviewed sources. |
| Who It’s For | 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; not a guarantee of eligibility for a particular company..) | RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue marketing description, not an underwriting eligibility rule..) |
| Coverage Features | 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. [3](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. [3](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..) | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: One-paragraph catalogue card; no policy form or endorsement list was found for this line..) |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed EPLI catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [8](https://riskcubeai.com/insurance/epli "Contact RiskCube") (Evidence: Not publicly disclosed; scope: Public pages checked on 2026-09-23; amounts may appear only on an individual quote..) |
| How to Apply | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [3](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..) | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for EPLI (riskcubeai.com/insurance/epli) redirects to a general contact form rather than a dedicated page describing an EPLI-specific application flow, timeline or required intake information. [8](https://riskcubeai.com/insurance/epli "Contact RiskCube") (Evidence: Not found in reviewed sources; scope: Checked on 2026-09-23; the URL may change to a dedicated page later..) |

## Full Comparison

- [Relm Insurance vs RiskCube](https://spot.insure/compare/relm-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Relm Insurance vs RiskCube Crime Insurance](https://spot.insure/compare/relm-vs-riskcube/crime)
- [Relm Insurance vs RiskCube Cyber Insurance](https://spot.insure/compare/relm-vs-riskcube/cyber)
- [Relm Insurance vs RiskCube D&O Insurance](https://spot.insure/compare/relm-vs-riskcube/directors-officers)
- [Relm Insurance vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/relm-vs-riskcube/fiduciary)
- [Relm Insurance vs RiskCube General Liability Insurance](https://spot.insure/compare/relm-vs-riskcube/general-liability)
- [Relm Insurance vs RiskCube Generative AI Liability Insurance](https://spot.insure/compare/relm-vs-riskcube/generative-ai-liability)
- [Relm Insurance vs RiskCube Tech E&O Insurance](https://spot.insure/compare/relm-vs-riskcube/technology-errors-omissions)
- [Alliance Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/employment-practices)
- [Alliance Risk vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/employment-practices)
- [Amelia Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/employment-practices)
- [Amelia Risk vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/employment-practices)
- [Beazley vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-relm/employment-practices)
- [Beazley vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-riskcube/employment-practices)

## Sources

### Relm Insurance

1. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
2. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
3. [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.

### RiskCube

4. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
5. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
6. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
7. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; Employment Practices Liability card: "EPLI covers claims from current or former employees alleging wrongful termination, discrimination, harassment, or retaliation. Critical for startups hiring their first employees or scaling a team rapidly."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23.
8. [Contact RiskCube](https://riskcubeai.com/insurance/epli). RiskCube; The catalogue's Employment Practices Liability "Learn more" link resolves to a general contact form, not a dedicated EPLI product page. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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