CFC vs Relm Insurance: How Do They Compare for General Liability Insurance?

Through brokers, Relm Insurance sells general liability and highlights cannabis, biotech and aerospace companies. CFC combines GL with commercial property, lists a casualty limit up to $6 million, and favors manufacturers and e-commerce sellers.

Relm brokers general liability for aerospace, defense, cannabis and biotech companies, while CFC's published appetite for its bundled Property & Casualty policy says it ordinarily declines aviation and aerospace risks. ^4,²

What Are the Key Differences Between CFC and Relm Insurance General Liability Insurance?

Opposite Ends of the Same Industry List

Relm highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology as businesses it places general liability for. ⁴ CFC's published appetite runs the other way on some of those same industries: it says it ordinarily declines amusement arcades, nightclubs, manual contractors, and aviation and aerospace risks, while favoring manufacturers, distributors and office premises.

CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

Broker Placement Versus a Self-Designed Bundled Policy

Relm markets its general liability content to brokers, consistent with a broker-distribution model rather than a direct sale. ⁴ CFC does not broker general liability to outside carriers; it designs and sells the line itself, bundled with commercial property in one Property & Casualty policy. ¹

Coverage Description

Relm says its general liability coverage answers third-party bodily injury, property damage, and personal and advertising injury claims such as libel, slander and copyright infringement. ⁴ CFC's general liability grant covers similar bodily-injury and advertising-injury claims but additionally includes tenants' legal liability and employee benefits liability within the same policy. ²

What Should You Confirm in CFC and Relm Insurance General Liability Insurance Quotes?

If your business is in aerospace or defense, ask Relm which insurer it uses, since CFC's published appetite says it ordinarily declines aviation and aerospace risks. ²
Ask CFC which insurer underwrites the Property & Casualty policy for your account. ¹
Ask Relm which insurer would underwrite your specific placement, since its casualty page does not name one. ⁴
Get per-occurrence limits from Relm directly; CFC publishes a $6,000,000 casualty limit for comparison. ²

CFC vs Relm Insurance General Liability Insurance Compared

CFC vs Relm Insurance: General Liability Insurance: documented features by provider

Criteria	CFC Property & Casualty	Relm General Liability Insurance
Who It’s For	CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.	Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. ⁴Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.
Coverage Features	The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. ²Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued. CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. ²Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.	Relm says GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. ⁴Company-reported. Casualty page 'What is General 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 by directors or employees, and damages from illegal activities. ⁴Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.
Role in This Line	CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. ^1,²Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.	Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. ⁴Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

CFC Property & Casualty

Relm General Liability Insurance

Who It’s For

Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. ⁴Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

Coverage Features

The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. ²Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued.

CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. ²Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.

Relm says GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. ⁴Company-reported. Casualty page 'What is General 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 by directors or employees, and damages from illegal activities. ⁴Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.

Role in This Line

CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. ^1,²Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.

Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. ⁴Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.