---
title: "Relm Insurance vs TechInsurance Employment Practices Liability Insurance"
description: "Relm markets EPL and wage-and-hour through brokers; TechInsurance quotes EPLI online for small businesses and publishes a median monthly premium."
canonical: "https://spot.insure/compare/relm-vs-techinsurance/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Relm Insurance vs TechInsurance Employment Practices Liability Insurance

Relm markets EPL and wage-and-hour through brokers; TechInsurance quotes EPLI online for small businesses and publishes a median monthly premium.

## Research Scope and Use

Use this comparison to evaluate Relm Insurance and TechInsurance 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 sells EPL and wage-and-hour through brokers and lists employee-claim types plus class-action wage-and-hour exposure. TechInsurance arranges typically claims-made EPLI online for small businesses, often the same day, and reports a $257 median monthly cost from its book. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

## 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [4](https://www.techinsurance.com/about-us "About TechInsurance") [5](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [7](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Broker-Distributed Relm Versus Direct Online EPLI

Relm markets EPL, including wage-and-hour, as coverage brokers place; its reviewed pages do not describe a direct online quote. TechInsurance arranges EPLI through a short online application, with agents available, and says a certificate is typically available the same day you buy. Access is through a Relm-appointed broker or through TechInsurance’s web form. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

### Wage-and-Hour Versus Published Small-Business Price

Relm separately describes wage-and-hour for minimum-wage, overtime and misclassification, especially for large employers facing class actions, and says any company with employees benefits from EPL. TechInsurance targets small businesses with a sizable workforce, notes firms without HR, and reports a median of $257 per month (about $750 to more than $14,000 a year). Relm’s extra product is wage-and-hour at scale; TechInsurance’s extra signal is a published cost range for small firms. TechInsurance’s page does not describe a separate wage-and-hour product. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

### 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, and says EPLI is typically claims-made and can bundle with D&O. Neither page names the issuing insurer. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask whether you can buy Relm only through a broker and whether TechInsurance will bind without one. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")
- If wage-and-hour matters, put Relm’s W&H terms next to TechInsurance’s specimen, which does not describe that product. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")
- Compare TechInsurance’s quoted premium with its published median; Relm’s page does not publish price. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Get the issuing insurer and whether the form is claims-made on both. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## Offering Details

| Criteria | Relm Employment Practices Liability Insurance (EPL/W&H) | TechInsurance Employment Practices Liability Insurance (EPLI) |
| --- | --- | --- |
| 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..) | 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. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) |
| 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..) | The reviewed page does not name the issuing insurer for an EPLI policy. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Not publicly disclosed; scope: EPLI product page as read on 2026-09-23..) |
| 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..) | 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. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page, Why do I need employment practices liability insurance? section..) |
| 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..) | 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. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page; general policy description, not a specific policy form..) |
| Limits and Retentions | 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. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table..) |
| 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..) | 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. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) |

## Full Comparison

- [Relm Insurance vs TechInsurance](https://spot.insure/compare/relm-vs-techinsurance): 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 TechInsurance Commercial Property Insurance](https://spot.insure/compare/relm-vs-techinsurance/commercial-property)
- [Relm Insurance vs TechInsurance Cyber Insurance](https://spot.insure/compare/relm-vs-techinsurance/cyber)
- [Relm Insurance vs TechInsurance D&O Insurance](https://spot.insure/compare/relm-vs-techinsurance/directors-officers)
- [Relm Insurance vs TechInsurance General Liability Insurance](https://spot.insure/compare/relm-vs-techinsurance/general-liability)
- [Relm Insurance vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/relm-vs-techinsurance/inland-marine)
- [Relm Insurance vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/relm-vs-techinsurance/professional-errors-omissions)
- [Relm Insurance vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/relm-vs-techinsurance/technology-errors-omissions)
- [Relm Insurance vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/relm-vs-techinsurance/umbrella-excess)
- [Alliance Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/employment-practices)
- [Alliance Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/employment-practices)
- [Amelia Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/employment-practices)
- [Amelia Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/employment-practices)
- [Beazley vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-relm/employment-practices)
- [Beazley vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-techinsurance/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.

### TechInsurance

4. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
5. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
6. [Employment Practices Liability Insurance (EPLI)](https://www.techinsurance.com/employment-practices-liability-insurance). TechInsurance; What does employment practices liability insurance cover? (negligent benefits handling, sexual harassment, wrongful termination, discrimination, breach of contract, privacy invasion); How much does EPLI cost?; What do I need to know about EPLI deductibles, limits, and exclusions?. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

7. [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.

## Agent and Developer Resources

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