Relm Insurance vs TechInsurance Employment Practices Liability Insurance

Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

TechInsurance arranges employment practices liability insurance (EPLI) and says it can be purchased standalone or paired with directors and officers insurance in a management liability bundle. ⁶Company-reported. EPLI product page.

The reviewed page does not name a specific issuing insurer for EPL/wage-and-hour placements. ³Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

The reviewed page does not name the issuing insurer for an EPLI policy. ⁶Not publicly disclosed. EPLI product page as read on 2026-09-23.

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. ³Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.

TechInsurance targets EPLI at small businesses with a sizable workforce, and specifically notes that companies too small to have a dedicated HR team may face employment lawsuits more often since they often lack the resources to resolve disputes before they become legal claims. ⁶Company-reported. EPLI product page, Why do I need employment practices liability insurance? section.

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. ³Company-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. ³Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section.

TechInsurance says EPLI covers claims of discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract, and invasion of privacy, and is typically written as a claims-made policy. ⁶Company-reported. EPLI product page; general policy description, not a specific policy form.

Not described in the reviewed sources.

TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses paying between about $750 and more than $14,000 a year, depending on profession risk, policy limits and deductible, employee count, turnover rate, and claims history. ⁶Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.

Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ³Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.

You request EPLI quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. ⁶Company-reported. EPLI product page.