Relm Insurance vs TechInsurance Umbrella and Excess Liability Insurance

Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. ⁶Company-reported. Umbrella insurance product page.

The reviewed page does not name a specific issuing insurer for excess liability 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 umbrella policy. ⁶Not publicly disclosed. Umbrella insurance product page as read on 2026-09-23.

Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. ³Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company.

TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. ⁶Company-reported. Umbrella insurance product page.

Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. ³Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control.

TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. ⁶Company-reported. Umbrella insurance product page; general policy description, not a specific policy form.

TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). ⁶Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.

Not described in the reviewed sources.

TechInsurance says commercial umbrella coverage costs a median of $86 per month for each $1 million of additional coverage, with the exact premium depending on business size, location, industry risk, claims history, employee count and number of company vehicles. ⁶Company-reported. Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. ³Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research.

Not described in the reviewed sources.