CFC vs Relm Insurance Product Liability Insurance

CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. ⁵Company-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. ¹¹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

The reviewed life science and nutraceuticals brochures describe CFC as the policy designer and point of contact but do not name the insurer that carries the product-liability risk for either package. ^5,6,7Not publicly disclosed. Life science page and both brochures as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for either package would need to come from the quote or declarations.

The reviewed page does not name a specific issuing insurer for product liability placements. ¹¹Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

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. ⁶Company-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. ⁷Company-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. ¹¹Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

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. ^6,7Company-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. ¹¹Company-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. ¹¹Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only.

CFC's brochures list a maximum products-liability limit of $15 million on a claims-made basis and $7 million on an occurrence basis for both the life science and nutraceuticals packages. ^6,7Company-reported. "Limits and minimum premiums" sections of both brochures; the limit actually issued depends on underwriting.

Not described in the reviewed sources.

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. ⁵Company-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. ¹¹Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.

CFC says it has pioneered coverage for nutraceuticals as an emerging risk area and has claims handlers experienced with that sector's product claims. ⁸Company-reported. CFC's claims page, "Emerging risk" section; a general capability statement with no published nutraceuticals-specific claim volume or outcome data.

Not described in the reviewed sources.