---
title: "Beazley vs Relm Insurance Product Liability Insurance"
description: "Beazley underwrites life-sciences products/completed operations; Relm markets product liability as a casualty line brokers place, including cannabis and biotech examples."
canonical: "https://spot.insure/compare/beazley-vs-relm/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs Relm Insurance Product Liability Insurance

Beazley underwrites life-sciences products/completed operations; Relm markets product liability as a casualty line brokers place, including cannabis and biotech examples.

## Research Scope and Use

Use this comparison to evaluate Beazley and Relm Insurance for Product 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

Beazley writes products/completed operations inside BioSecure, NutraGuard or WellTech for middle-to-large life-sciences organizations. Relm describes product liability for makers, distributors and sellers of physical products and sells it through insurance brokers rather than a direct quote. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## 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. [7](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [8](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Product Liability Insurance?

Product liability insurance addresses liability for injury or damage associated with a defective product that a business manufactures, wholesales, distributes or sells. [10](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [11](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [12](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Product Liability Insurance

### Package Underwriting Versus Broker Distribution

Beazley underwrites products/completed operations inside its Life Sciences package on BioSecure, NutraGuard or WellTech. Relm markets Product Liability Insurance as a casualty line that brokers can place for clients that manufacture, distribute or sell physical products, and its reviewed pages do not describe a direct online quote. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### Life-Sciences Segment Versus Cannabis and Biotech Examples

Beazley names medical device companies, pharmaceutical and biopharmaceutical manufacturers, blood and tissue banks, biotechnology firms, CROs, CMOs and academic research institutions. Relm calls the coverage essential for any business that makes, distributes or sells physical products and specifically flags cannabis (unexpected THC potency) and biotech (faulty medical devices, clinical-trial risk) as high-exposure examples. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### What the Coverage Description Includes

Beazley describes products/completed operations as responding to bodily-injury and property-damage claims from sold life-sciences products, with scenarios such as a heating pad or a device allegedly causing burns. Relm says product liability protects against injuries or property damage from defects, design flaws, or inadequate warnings and other labelling issues, and lists casualty exclusions such as employee injuries, professional errors, and intentional or criminal acts. [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### Insurer Names on the Public Pages

Beazley’s Life Sciences and BioSecure pages do not name the insurer that issues products/completed operations for a given account. Relm’s casualty page likewise does not name a specific issuing insurer for product-liability placements. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## What to Confirm in Product Liability Insurance Quotes

- Ask Beazley which of BioSecure, NutraGuard or WellTech applies and how products/completed operations sits with the rest of the package. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences")
- Ask Relm, through your broker, which carrier would issue the policy and whether cannabis or biotech appetite applies to your product. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Compare whether recall, clinical-trial or professional-liability grants sit on the same form (Beazley’s package) or must be placed separately through Relm’s casualty offering. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Get limits and retentions on both quotes; Beazley’s reviewed pages do not publish them. [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences")

## Offering Details

| Criteria | Beazley Life Sciences Product Liability | Relm Product Liability Insurance |
| --- | --- | --- |
| Role in This Line | Beazley includes products/completed operations coverage as one of the core coverages in its Life Sciences package, bundled in a single policy form (BioSecure) alongside errors and omissions, healthcare professional liability and general liability rather than sold as a standalone product-liability policy. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") (Evidence: Company-reported; scope: Life Sciences and BioSecure product pages; the bundled structure applies to this life-sciences segment, not a general commercial product-liability offering..) | Relm markets Product Liability Insurance as a casualty line brokers can place for clients that manufacture, distribute or sell physical products. [9](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..) |
| Issuing Insurer | The reviewed Life Sciences and BioSecure pages do not name the insurer that issues products/completed operations coverage for a given account; the issuing entity is not established by these product pages. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") (Evidence: Not found in reviewed sources; scope: Both pages as read on 2026-09-23; no policy form, declarations or entity-specific disclosure for this line was reviewed..) | The reviewed page does not name a specific issuing insurer for product liability placements. [9](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..) |
| Who It’s For | Beazley targets middle-to-large life-sciences organizations for this coverage, including medical device companies, pharmaceutical and biopharmaceutical manufacturers, blood and tissue banks, biotechnology firms, contract research and contract manufacturing organizations, and academic research institutions. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") (Evidence: Company-reported; scope: "Who we can help" sections of the Life Sciences and BioSecure pages; smaller life-sciences companies or other segments are not addressed by these pages..) | 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. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page framing; not a guarantee of eligibility for a particular company..) |
| Coverage Features | Beazley describes products/completed operations coverage as responding to bodily-injury and property-damage claims arising from a life-sciences organization's sold products, illustrated with scenarios such as a heating pad allegedly causing burns and a device allegedly causing skin burns during a procedure. [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") (Evidence: Company-reported; scope: Illustrative example scenarios on the BioSecure page; scenarios show the type of claim the coverage is meant to address, not a guarantee that a particular claim is covered..)<br><br>Product-liability coverage for life sciences is written on one of three product forms: BioSecure for clinical-trial and sold-product organizations, NutraGuard for nutraceutical, personal-care and cosmetics companies, and WellTech for technology-focused life-sciences organizations; general liability within the package can be written on a claims-made or occurrence basis. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Life Sciences page "Our Coverages" and general-liability line item; the reviewed pages describe BioSecure in the most detail and do not itemize which coverages NutraGuard and WellTech each include..) | 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. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Product Liability Insurance?' section; the issued policy and declarations control..)<br><br>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. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only..) |
| Limits and Retentions | The reviewed Life Sciences and BioSecure pages do not publish limit, retention or deductible amounts for products/completed operations coverage; those figures are not shown until an application and quote. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") (Evidence: Not publicly disclosed; scope: Both pages as read on 2026-09-23..) | Not described in the reviewed sources. |
| Risk Services | Beazley says it has dedicated wordings professionals who craft policies for the life-sciences sector and a named healthcare claims team, including a Claims Team Leader and Claims Product Specialist for healthcare, that handles claims on this coverage. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") (Evidence: Company-reported; scope: "The Beazley Difference" bullets and team listings on the Life Sciences and BioSecure pages; claims-handling quality and turnaround are not independently verified..) | Not described in the reviewed sources. |
| How to Apply | Beazley posts a Life Sciences application form and a separate BioSecure application under each page's Tools & Resources, pointing to a broker-submitted underwriting process rather than a direct online quote for this coverage. [5](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") [6](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/ "BioSecure - Life Sciences") (Evidence: Company-reported; scope: Tools & Resources links on both pages; the application forms themselves were not opened..) | Relm sells product liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page framing; consistent with Relm's broader broker-distribution model..) |

## Full Comparison

- [Beazley vs Relm Insurance](https://spot.insure/compare/beazley-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability insurance addresses injury or damage claims involving defective products your business makes, distributes or sells.
- [Beazley vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/beazley-vs-relm/commercial-property)
- [Beazley vs Relm Insurance Crime Insurance](https://spot.insure/compare/beazley-vs-relm/crime)
- [Beazley vs Relm Insurance Cyber Insurance](https://spot.insure/compare/beazley-vs-relm/cyber)
- [Beazley vs Relm Insurance D&O Insurance](https://spot.insure/compare/beazley-vs-relm/directors-officers)
- [Beazley vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-relm/employment-practices)
- [Beazley vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-relm/fiduciary)
- [Beazley vs Relm Insurance General Liability Insurance](https://spot.insure/compare/beazley-vs-relm/general-liability)
- [Beazley vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/beazley-vs-relm/media)
- [Beazley vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-relm/professional-errors-omissions)
- [Beazley vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/beazley-vs-relm/technology-errors-omissions)
- [Alliance Risk vs Beazley Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/product-liability)
- [Alliance Risk vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/product-liability)
- [Amelia Risk vs Beazley Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/product-liability)
- [Amelia Risk vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/product-liability)
- [Beazley vs CFC Product Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/product-liability)
- [Beazley vs Coverdash Product Liability Insurance](https://spot.insure/compare/beazley-vs-coverdash/product-liability)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Life Sciences](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences). Beazley; What we offer; Our Coverages: BioSecure, NutraGuard, WellTech; Who we can help: middle-to-large life-sciences organizations; Where is this offered. Accessed 2026-09-23.
6. [BioSecure - Life Sciences](https://www.beazley.com/en-US/products/healthcare-usa/biosecure/). Beazley; What we offer coverage highlights; Who we can help; Where is this offered; Examples or scenarios; Tools & Resources. Accessed 2026-09-23.

### Relm Insurance

7. [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.
8. [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.
9. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance; What is Product Liability Insurance?; Who Needs Casualty Insurance? (Cannabis and Biotech examples). Accessed 2026-09-23.

### Product Liability Insurance Guide

10. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
11. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/facts-statistics-product-liability). Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
12. [Product liability, recall and contamination insurance](https://www.iii.org/article/product-liability-recall-and-contamination-insurance). Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.

Updated 2026-09-23. 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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