Relm Insurance vs 
The Hartford Employment Practices Liability Insurance
Relm markets EPL and wage-and-hour through brokers; The Hartford underwrites EPLI in BOP, package, and stand-alone forms with a named Spectrum limit.
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. 1,2
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 4,5,6
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 8
Key Differences in Employment Practices Liability Insurance
Broker Market Versus Hartford Underwriting
Relm markets EPL, including wage-and-hour, for brokers to place and does not name an issuing insurer. The Hartford underwrites EPLI inside its Business Owner’s Policy for most classes, in Private Choice Premier, and stand-alone as Employers Premier Choice. Relm arrives through a broker; Hartford is the carrier on its own products. 3 7
Two Different Wage-and-Hour Stories
Relm describes wage-and-hour coverage for underpayment, overtime mishandling and misclassification, framed as individual and class actions for large employers. The Hartford says its BOP automatically includes Wage and Hour Defense Cost coverage as part of built-in EPLI. Relm is describing a wage-and-hour liability product; Hartford is describing defense-cost cover on a package. Those are not the same grant. 3 7
States, Limits and Claim Lists
Hartford footnotes say there is no built-in EPL in California, Minnesota, North Dakota or New York, that the described program does not apply to California-written EPL, and that a $25,000 Spectrum limit applies at Hartford Underwriters Insurance Company. Relm’s page does not publish state carve-outs or limits. Hartford lists FMLA, age discrimination, third-party EPLI for most businesses, and hartfordhelp.com with increased limits. Relm lists harassment, discrimination, wrongful termination, breach of contract and emotional distress, and says any company with employees benefits. Relm sells through brokers, not a Hartford-style BOP bind. 7 3
What to Confirm in Employment Practices Liability Insurance Quotes
- Compare Relm’s wage-and-hour policy with Hartford’s BOP Wage and Hour Defense Cost grant; ask what settlements each will pay. 3 7
- Confirm Hartford availability in your state; Relm’s page does not list those four-state carve-outs. 7 3
- Match Hartford’s $25,000 Spectrum figure against Relm’s quoted limit. 7 3
- Get Relm’s issuing insurer from the placing broker. 3 7
Offering Details
Relm Insurance vs The Hartford Employment Practices Liability Insurance: documented features by provider
| Criteria | Relm Employment Practices Liability Insurance (EPL/W&H) | The Hartford 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. 3Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. | The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. 7Company-reported. EPLI product page as read 2026-09-23. |
| Issuing Insurer | 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 Hartford names Hartford Underwriters Insurance Company as the writing company for the described $25,000 Spectrum EPL limit, though other EPLI products on the page (BOP-included, Private Choice Premier, Employers Premier Choice) are not each tied to a named writing company on this page. 7Company-reported. EPLI product page footnote as read 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. 3Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company. | The Hartford's footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. 7Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025). |
| 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. 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. | The Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. 7Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Limits and Retentions | Not described in the reviewed sources. | The Hartford's EPLI footnote states a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. 7Company-reported. EPLI product page footnote as read 2026-09-23. Applies specifically to Spectrum-program business at that writing company; other products/limits are not addressed. |
| Risk Services | Not described in the reviewed sources. | The Hartford says it gives employers access to hartfordhelp.com, a proprietary site with web-based training on topics like sexual harassment and wrongful termination, current articles on employment-practices trends, and model employment policies and handbooks; this program requires purchase of increased EPL limits and may not be available in all states. 7Company-reported. EPLI product page as read 2026-09-23. |
| How to Apply | 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. | Not described in the reviewed sources. |
Full Comparison
More Relm Insurance vs The Hartford Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- 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.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Employment Practices Liability Insurance | EPL Insurance. The Hartford; What Is Employment Practices Liability Insurance?; Why Do I Need EPLI?; If You Have Employees, You Need EPLI; Prevention Is Your Best Protection; footnotes 1-4 on state availability and Wage and Hour Defense Cost. Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
