Alliance Risk vs Relm Insurance Product Liability Insurance

Not described in the reviewed sources.

Relm markets Product Liability Insurance as a casualty line brokers can place for clients that manufacture, distribute or sell physical products. ⁶Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

The product liability page does not name a specific insurer or carrier that Alliance Risk places this coverage with; it describes standard-market versus excess-and-surplus carrier appetite by hazard class in general market terms. ³Not publicly disclosed. Checked the full dedicated product page as read on 2026-09-23; no carrier is identified by name for this line.

The reviewed page does not name a specific issuing insurer for product liability placements. ⁶Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Alliance Risk's product liability page frames this coverage for manufacturers, distributors and retailers facing lawsuits over defective or harmful products they made, sold or distributed. ³Company-reported. Dedicated Alliance Risk product page for this line, as read on 2026-09-23. This is a general description of who needs the coverage type, not an eligibility criterion Alliance Risk applies to applicants.

Relm calls the coverage essential for any business that manufactures, distributes or sells physical products, and specifically flags cannabis (unexpected THC potency) and biotech (faulty medical devices, clinical trial risk) as high-exposure examples. ⁶Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

Alliance Risk's page explains that for manufacturers, product liability is usually a component of the general liability policy's products-completed operations hazard rather than a standalone policy, with its own separate aggregate limit that a general aggregate cannot backfill once exhausted. ³Company-reported. Product page explainer on the ISO CG 00 01 form; this describes how the coverage type is typically structured in the market, not a specific Alliance Risk-issued policy, since Alliance Risk is a broker and does not issue policies.

Alliance Risk's page states that a standard general liability policy specifically excludes recall costs from product liability coverage, and that Alliance Risk sells product recall insurance as a separate line to cover that gap. ³Company-reported. Product page "Product liability and product recall are different purchases" section.

Relm says product liability protects against claims from injuries or property damage caused by a product due to defects, design flaws, or inadequate warnings and other labelling issues. ⁶Company-reported. Casualty page 'What is Product Liability Insurance?' section; the issued policy and declarations control.

Relm says casualty coverage generally excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), intentional or criminal acts, and damages from illegal activities. ⁶Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only.

Alliance Risk's product liability page offers a customized risk assessment from its insurance risk advisors, booked through the page's consultation link. ³Company-reported. Dedicated product liability page calls to action.

Relm sells product liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁶Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.