---
title: "Relm Insurance vs TechInsurance Umbrella and Excess Liability Insurance"
description: "Relm markets excess for brokers serving fleets, energy and large contracts; TechInsurance sells $1 million-increment add-ons with a median monthly cost."
canonical: "https://spot.insure/compare/relm-vs-techinsurance/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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

# Relm Insurance vs TechInsurance Umbrella and Excess Liability Insurance

Relm markets excess for brokers serving fleets, energy and large contracts; TechInsurance sells $1 million-increment add-ons with a median monthly cost.

## Research Scope and Use

Use this comparison to evaluate Relm Insurance and TechInsurance for Umbrella and Excess 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 markets excess liability as a line brokers place for clients with large fleets, public interaction or large contracts, especially in energy, manufacturing and transportation, and says brokers always advise on the exact limit. TechInsurance arranges commercial umbrella as a non-standalone add-on in $1 million increments, cites a median $86 per month per million, and distinguishes umbrella from excess over a single policy. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance")

## 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 Umbrella and Excess Liability Insurance?

Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. [7](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Umbrella and Excess Liability Insurance

### Broker-Guided Excess Versus a Priced Umbrella Add-On

Relm markets excess liability insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. TechInsurance arranges commercial umbrella as an add-on that increases limits across existing general liability, employer’s liability or commercial auto policies and is not sold as a standalone policy. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance")

### Who It Is Framed For, Price and Exclusions

Relm points to large vehicle fleets, significant public interaction or large contracts, and calls excess especially important for energy, manufacturing or transportation. TechInsurance says the product is especially relevant for businesses required to carry more than $2 million of liability or that face high liability risk such as a storefront, and cites a median of $86 per month for each $1 million of additional coverage. Relm does not publish a median premium; it says brokers will always advise on the exact excess limits a client needs. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance")

TechInsurance says the layer does not cover property damage or intentional criminal acts such as employee theft and requires an active underlying policy to remain valid. Relm’s reviewed page does not list those exclusions. Neither page names an issuing insurer. [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Ask TechInsurance whether you are quoting umbrella over several policies or excess over one, including E&O. [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance")
- Ask Relm which placing broker and energy, fleet or manufacturing market would write the excess. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Compare TechInsurance’s per-million median with the premium Relm’s placing broker quotes. [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Confirm property-damage and employee-theft treatment. [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## Offering Details

| Criteria | Relm Excess Liability Insurance | TechInsurance Commercial Umbrella Insurance |
| --- | --- | --- |
| Role in This Line | Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty 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 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. [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: Umbrella insurance product page..) |
| Issuing Insurer | The reviewed page does not name a specific issuing insurer for excess liability placements. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty 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 umbrella policy. [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Not publicly disclosed; scope: Umbrella insurance product page as read on 2026-09-23..) |
| Who It’s For | 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. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: Umbrella insurance product page..) |
| Coverage Features | Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: Umbrella insurance product page; general policy description, not a specific policy form..)<br><br>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). [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section..) |
| Limits and Retentions | 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. [6](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| How to Apply | 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. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research..) | Not described in the reviewed sources. |

## Full Comparison

- [Relm Insurance vs TechInsurance](https://spot.insure/compare/relm-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms.
- [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 Employment Practices Liability Insurance](https://spot.insure/compare/relm-vs-techinsurance/employment-practices)
- [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)
- [Alliance Risk vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/umbrella-excess)
- [Alliance Risk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/umbrella-excess)
- [Amelia Risk vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/umbrella-excess)
- [Amelia Risk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/umbrella-excess)
- [CFC vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-relm/umbrella-excess)
- [CFC vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-techinsurance/umbrella-excess)

## 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. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance; What is Excess Liability Insurance?. 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. [Commercial Umbrella Liability Insurance](https://www.techinsurance.com/umbrella-liability-insurance). TechInsurance; What does commercial umbrella insurance cover?; How much does umbrella insurance cost?; How does business umbrella insurance work for small businesses?; How is umbrella liability insurance different from excess liability insurance?. Accessed 2026-09-23.

### Umbrella and Excess Liability Insurance Guide

7. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.

Updated 2026-09-24. 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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