Relm Insurance vs 
Travelers Employment Practices Liability Insurance
Relm markets EPL and wage-and-hour through brokers; Travelers underwrites EPL for financial institutions, nonprofits, and private and public companies.
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 Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability 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
Relm Through Brokers Versus Travelers Paper
Relm markets EPL, including wage-and-hour, as coverage brokers can place. Travelers underwrites EPL in Management & Professional Liability, standalone or with other management-liability coverages. One quote is Relm capacity via a broker; the other is a Travelers policy. Travelers’ video disclosure names Travelers Casualty and Surety Company of America and affiliates; Relm’s page does not name an insurer. 3 7
Wage-and-Hour Versus Core EPL Causes
Relm separately describes wage-and-hour for large employers facing state and federal class actions. Travelers says EPL covers defense and damages for wrongful termination, discrimination, workplace harassment and retaliation, and does not describe a wage-and-hour product on the reviewed page. Relm also lists breach of contract and emotional distress; Travelers’ list does not include those two items. 3 7
Who They Say Should Buy
Relm says any company with employees benefits regardless of headcount and highlights fast-growing firms. Travelers markets EPL to financial institutions, nonprofit organizations, private companies and public companies. You buy Travelers through an independent agent; Relm does not describe a direct online quote. Neither page publishes policy limits. 3 7
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask the Relm broker whether Travelers is an alternative market, or whether Relm and Travelers would sit in different towers. 3 7
- If wage-and-hour is a live exposure, put Relm’s W&H terms next to Travelers’ EPL specimen. 3 7
- Confirm the issuing Travelers company versus Relm’s unnamed insurer. 7 3
- Check whether financial-institution or nonprofit status changes Travelers eligibility in a way Relm’s any-employer language does not address. 7 3
Offering Details
Relm Insurance vs Travelers Employment Practices Liability Insurance: documented features by provider
| Criteria | Relm Employment Practices Liability Insurance (EPL/W&H) | Travelers Employment Practices Liability Insurance (EPL) |
|---|---|---|
| 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. | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 7Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page. |
| 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 product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 7Company-reported. Product page video legal footer. |
| 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. | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. 7Company-reported. Product page "Who is this right for?" 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. 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. | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. 7Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish EPL limits, retentions or premiums; it references illustrative settlement examples (from $45,000 to $280,000, including defense costs) as general risk context, not as policy terms. 7Not found in reviewed sources. Product page video claim scenarios as read on 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. | EPL coverage is bought through a Travelers independent agent. 7Company-reported. Product page "Find an insurance agent" call to action. |
Full Comparison
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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.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Employment Practices Liability Insurance (EPL). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. 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.
