Relm Insurance vs 
TechInsurance: How Do They Compare for Employment Practices Liability Insurance?
Relm Insurance sells EPL through brokers to companies of any size and describes defense and settlement coverage, including wage-and-hour exposure. TechInsurance arranges EPLI quotes for small businesses.
TechInsurance lets small businesses apply for EPLI online, usually with a certificate the same day, and reports a $257 monthly median premium. Relm sells through brokers and adds dedicated wage-and-hour cover for large employers facing overtime and misclassification class actions. 2,1
What Are the Key Differences Between Relm Insurance and TechInsurance Employment Practices Liability Insurance?
Online Small-Business EPLI vs Broker-Placed Wage-and-Hour Capacity
TechInsurance takes a short online application, with agents available, and a certificate is typically ready the day you buy. Relm sells EPL and wage-and-hour cover only through brokers and doesn't describe a direct quote. Choose TechInsurance if you're a small business without dedicated HR that wants to buy online; choose Relm if you're a large employer with overtime or misclassification class-action risk and have a broker. 1 2
Wage-and-Hour Cover vs a Published Price
Relm describes wage-and-hour cover for minimum-wage, overtime and misclassification claims, especially for large employers facing class actions. TechInsurance doesn't describe a wage-and-hour product, but reports a median of $257 a month, about $750 to more than $14,000 a year, from its own book. 1 2
What Each Lists as Covered
Relm lists harassment, discrimination, wrongful termination, breach of contract and emotional distress. TechInsurance lists discrimination, sexual harassment, wrongful termination, negligent benefits handling, breach of employment contract and invasion of privacy, typically claims-made, and can bundle EPLI with D&O. Neither names the insurer behind the policy. 1 2
What Should You Confirm in Relm Insurance and TechInsurance Employment Practices Liability Insurance Quotes?
- If wage-and-hour claims are a real risk for you, ask TechInsurance whether any wage-and-hour cover is available, and compare it with Relm's terms. 1 2
- Compare TechInsurance's quote with its published median; ask your broker for Relm's price, since it isn't published. 2 1
- Get the issuing insurer and retroactive date on both. 2 1
Relm Insurance vs TechInsurance Employment Practices Liability Compared
Relm Insurance vs TechInsurance: Employment Practices Liability Insurance: documented features by provider
| Criteria | Relm Employment Practices Liability Insurance (EPL/W&H) | TechInsurance Employment Practices Liability Insurance (EPLI) |
|---|---|---|
| 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. 1Company-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. 2Company-reported. EPLI product page, Why do I need employment practices liability insurance? section. |
| How to Apply | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 1Company-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. 2Company-reported. EPLI product page. |
| 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. 1Company-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. 1Company-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. 2Company-reported. EPLI product page; general policy description, not a specific policy form. |
| 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. 1Company-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. 2Company-reported. EPLI product page. |
