Relm Insurance vs 
Travelers: How Do They Compare for Employment Practices Liability Insurance?
Relm Insurance sells broker-placed EPL to companies of any size and describes coverage for defense, settlements and wage-and-hour exposure. Travelers insures EPL in its Management Liability portfolio and distributes it through independent agents.
Relm adds wage-and-hour cover for overtime and misclassification class actions to its EPL, placed through your broker; Travelers writes core EPL itself for financial institutions, nonprofits and private or public companies, sold through independent agents. Travelers doesn’t mention wage-and-hour. 1,2
What Are the Key Differences Between Relm Insurance and Travelers Employment Practices Liability Insurance?
Wage-and-Hour Class-Action Cover vs Core EPL Only
Relm describes separate wage-and-hour cover for large employers facing state and federal overtime and misclassification class actions, and its EPL lists breach of contract and emotional distress alongside harassment, discrimination and wrongful termination. Travelers covers defense and damages for wrongful termination, discrimination, harassment and retaliation, with no wage-and-hour product. Choose Relm, through your broker, if you have a large hourly workforce; choose Travelers if you are a bank, nonprofit or public company buying core EPL through an independent agent. 1 2
Broker-Placed Market vs an Insurer Through Your Agent
Relm’s EPL is placed by brokers and it names no insurer. Travelers underwrites EPL in its Management & Professional Liability line, standalone or packaged, and sells through independent agents, so you know which insurer is on the policy. Neither offers online buying or publishes limits. 1 2
Fast-Growing Employers vs Named Organization Types
Relm says any company with employees benefits from EPL and highlights fast-growing firms. Travelers names financial institutions, nonprofits, private companies and public companies. If you fit one of Travelers’ named groups, its forms are built for you. 1 2
What Should You Confirm in Relm Insurance and Travelers Employment Practices Liability Insurance Quotes?
- Ask your broker whether it can quote both Relm and Travelers for you. 1 2
- If wage-and-hour is a real risk, get Relm’s wage-and-hour terms and ask Travelers whether its form excludes those claims. 1 2
- Ask Relm which insurer issues the policy; Travelers says its issuing affiliate can vary. 2 1
- Get limits and retentions in writing from both. 2 1
Relm Insurance vs Travelers Employment Practices Liability Compared
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) |
|---|---|---|
| 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. 1Company-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. 2Company-reported. Product page "Who is this right for?" section. |
| How to Apply | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 1Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model. | EPL coverage is bought through a Travelers independent agent. 2Company-reported. Product page "Find an insurance agent" call to action. |
| 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. 1Company-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. 1Company-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. 2Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy. |
| 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. 1Company-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. 2Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page. |
