---
title: "Berkshire Hathaway Specialty Insurance vs Relm Insurance: Product Liability Insurance"
description: "Berkshire Hathaway Specialty Insurance targets manufacturers and distributors for primary products liability; Relm Insurance highlights physical-product, cannabis and biotech exposures."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-relm"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "relm"
coverage-line: "product-liability"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/product-liability)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Relm Insurance for Product Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Product Liability Insurance questions about Berkshire Hathaway Specialty Insurance versus Relm Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Berkshire Hathaway Specialty Insurance vs Relm Insurance for Product Liability Insurance: how do they differ?
- Which is better for Product Liability Insurance, Berkshire Hathaway Specialty Insurance or Relm Insurance?
- What does Berkshire Hathaway Specialty Insurance or Relm Insurance publish about Product Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Product Liability Insurance from Berkshire Hathaway Specialty Insurance or Relm Insurance?

**Key facts:**
- Line: Product Liability Insurance. Providers: Berkshire Hathaway Specialty Insurance and Relm Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm) — parent: all coverage lines for this pair
- [Product Liability Insurance guide](https://spot.insure/coverage/product-liability) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/media) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-relm/product-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/product-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/product-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/product-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/product-liability) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Relm Insurance: How Do They Compare for Product Liability Insurance?

Berkshire Hathaway Specialty Insurance targets manufacturers and distributors for primary products liability; Relm Insurance highlights physical-product, cannabis and biotech exposures.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance 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

Berkshire Hathaway Specialty Insurance markets primary products liability to manufacturers and distributors, including discontinued products. Relm Insurance describes injury and property claims from defective design or inadequate product warnings and names cannabis and biotech examples. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## What Is Berkshire Hathaway Specialty Insurance?

BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch")

[Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

## What Is Relm Insurance?

Relm suits AI developers distinguishing liability and cyber/Tech E&O through Nova AI from first-party losses caused by third-party AI failures through Resca AI; businesses seeking standard small-business coverage should compare generalist providers. [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 can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. [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") [14](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in Product Liability Insurance

### What the Published Offering Defines

Berkshire Hathaway Specialty Insurance identifies manufacturers and distributors, including discontinued-products exposures, as targets for its primary product-liability line. Relm Insurance markets product liability to businesses that make, distribute or sell physical products and specifically flags cannabis potency and biotech devices or clinical-trial risks. A buyer in those sectors can ask Relm Insurance about the named examples while asking Berkshire Hathaway Specialty Insurance how its primary form treats the full product lifecycle and legacy sales. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### Buying and Policy Details to Resolve

Relm Insurance describes claims involving injury or property damage caused by defects, design flaws or inadequate warnings and sells the coverage through brokers. Berkshire Hathaway Specialty Insurance’s record names the product class but does not detail its triggers or application route. Give both markets the same product specifications, warnings, territories, sales history and claims information; request exact policy wording and confirm whether recall expenses are excluded or available separately. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.")

## What to Confirm in Product Liability Insurance Quotes

- Will Relm Insurance consider your exact product, ingredients, device use or clinical exposure? [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- How does Berkshire Hathaway Specialty Insurance define covered products and discontinued-product reporting? [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## Offering Details

| Criteria | Primary products/completed-operations liability | Relm Product Liability Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | 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 | Confirm in your quote. | 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 | BHSI identifies manufacturers and distributors, including discontinued-products/IBNR exposures, as products-liability targets. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: Selected US products/completed-operations risks. Material limitation: A target class is not a guarantee of eligibility; discontinued-product exposure has distinct underwriting..) | 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 | BHSI markets primary products/completed-operations liability as a distinct casualty product. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: BHSI US commercial primary products/completed-operations liability. Material limitation: This does not establish product-recall expense insurance..) | 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 casualty appetite guide names Products Liability, primary GL and lead umbrella/excess as lines, and states capacity and minimum-premium guidance for selected casualty accounts. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: Selected US casualty submissions in the guide. Material limitation: The shared guide parameters do not promise product-specific limit availability; contract wording controls..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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

- [Berkshire Hathaway Specialty Insurance vs Relm Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check.
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/crime)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/cyber)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/media)
- [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability)
- [AIG vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-relm/product-liability)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/product-liability)
- [Alliance Risk vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/product-liability)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/product-liability)
- [Amelia Risk vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/product-liability)

## Sources

### Berkshire Hathaway Specialty Insurance

1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29.
2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28.
5. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
6. [Casualty](https://www.bhspecialty.com/us-products/us-casualty/). Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.

### 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.
14. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO Properties, Inc.; specimen hosted by Hiscox; Recall exclusion p.5; Supplementary Payments pp.8–9; Section III limits p.10; V.16 and V.21 p.15, warnings/instructions continue p.16. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Berkshire Hathaway Specialty Insurance Reviews

Review Score: not enough ratings.

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews).

## Relm Insurance Reviews

Review Score: not enough ratings.

We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/relm/reviews).

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