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

CFC sells product liability only inside life science and nutraceuticals packages, with limits up to $15 million claims-made; Relm Insurance markets it for brokers to place for businesses that make or sell physical products, flagging cannabis and biotech.

CFC packages product liability for life-science and nutraceuticals businesses with maxima of $15 million claims-made and $7 million occurrence; Relm highlights cannabis and biotech risks and sells through brokers. ^1,^2,^3,⁵

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

Published Package Terms Versus Cannabis and Biotech Risks

CFC includes government-enforced product recall and publishes $15 million claims-made and $7 million occurrence maxima; its nutraceuticals appetite ordinarily declines kratom, colloidal silver and excessive stimulant levels. Relm instead highlights unexpected THC potency, faulty medical devices and clinical-trial risk for makers, distributors and sellers of physical products. ³ ² ⁵

Coverage Grants

CFC’s packages cover legal expenses and compensation for bodily injury or property damage from use, ingestion or implantation, plus government-enforced product recall. Relm says product liability protects against injuries or property damage from defects, design flaws, or inadequate warnings, and lists casualty exclusions such as employee injuries, professional errors, and intentional or criminal acts. ² ³ ⁵

Limits on the Public Record

CFC publishes $15 million claims-made and $7 million occurrence maxima for products liability. Relm’s reviewed casualty page does not publish limit figures, and neither side’s reviewed pages name the issuing insurer. ² ³ ⁵

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

Ask CFC which package applies and whether your product sits on an ordinary-decline list. ² ³
Ask Relm, through your broker, whether cannabis or biotech appetite applies and which carrier would issue the policy. ⁵
Compare recall: government-enforced cover on CFC’s packages versus what Relm’s placed policy includes. ² ⁵
Confirm claims-made versus occurrence on CFC against the trigger on Relm’s placement. ²

CFC vs Relm Insurance Product Liability Insurance Compared

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

Criteria	CFC Life Science and Nutraceuticals	Relm Product Liability Insurance
Who It’s For	For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. ²Company-reported. Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. ³Company-reported. Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual 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. ⁵Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.
How to Apply	CFC publishes separate application forms for life science products/software and for nutraceuticals, so the underwriting intake differs by package even though both share the same product-liability grant. ¹Company-reported. Life science product page's downloads list.	Relm sells product liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁵Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.
Coverage Features	Both packages cover legal expenses and compensation for bodily injury or property damage claims arising from use, ingestion, or (for life science) implantation of the insured's product, alongside product recall costs for government-enforced recalls, with voluntary recall available as an extension. ^2,³Company-reported. Life science and nutraceuticals brochures' "Commercial general liability"/"Products and completed operations" and "Product recall" sections; exact wording and exclusions are set by the policy as issued.	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. ⁵Company-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. ⁵Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only.
Role in This Line	CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. ¹Company-reported. Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure.	Relm markets Product Liability Insurance as a casualty line brokers can place for clients that manufacture, distribute or sell physical products. ⁵Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.