Chubb vs Relm Insurance Umbrella and Excess Liability Insurance

Chubb underwrites umbrella and excess liability insurance directly, spanning smaller and mid-sized companies through global multinationals, and offers it as an add-on within its small-business Total Account Solution. ^4,5Company-reported. Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section.

Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. ⁸Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Not described in the reviewed sources.

The reviewed page does not name a specific issuing insurer for excess liability placements. ⁸Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Chubb structures umbrella and excess casualty into separate options for large global and national companies, mid-sized companies, the energy industry, and the construction industry, saying it tailors solutions to each segment's exposures. ⁴Company-reported. Umbrella & Excess Casualty Insurance Options section.

Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. ⁸Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company.

For large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. ⁴Company-reported. Umbrella & Excess Casualty product page option descriptions.

Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. ⁸Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control.

The reviewed umbrella and excess casualty page does not publish specific attachment points, limit amounts or pricing; these vary by account and program. ⁴Not found in reviewed sources. Umbrella & Excess Casualty product page as read on 2026-09-23.

When bundled through Chubb's small-business Total Account Solution, umbrella insurance is described only as providing "an additional layer of coverage over existing liability policies," without a published limit amount. ⁵Company-reported. Workers'-compensation Total Account Solution section.

Not described in the reviewed sources.

Chubb offers Express Umbrella, a web-based platform for appointed brokers to reserve, quote, bind and issue umbrella business, which Chubb says can help brokers build specialized books of business. ⁴Company-reported. Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers.

You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. ⁴Company-reported. Umbrella & Excess Casualty product page quote call-to-action.

Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. ⁸Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research.