Chubb vs Relm Insurance: How Do They Compare for Umbrella and Excess Liability Insurance?

Relm Insurance markets excess liability that brokers place for large fleets, public interaction and large contracts. Chubb writes umbrella directly, with options for energy, construction and larger companies.

Chubb has dedicated umbrella options for energy, construction, mid-sized and national companies, and you can request a quote online or through an agent. Relm's excess liability targets large fleets, heavy public contact and big contracts in energy, manufacturing or transportation, and reaches you only through a broker. ^1,³

What Are the Key Differences Between Chubb and Relm Insurance Umbrella and Excess Liability Insurance?

Who Each Targets

A trucking company with a 60-vehicle fleet fits Relm's stated buyer: businesses with large fleets, lots of public interaction or big contracts, in high-risk fields such as energy, manufacturing or transportation. Chubb organizes its umbrella by company type instead, with separate options for large national, mid-sized, energy and construction companies. Both cover energy. Choose Chubb if you're in construction or want a large insurer you can approach directly; choose Relm if a fleet or heavy public exposure is what drives your limit, and your broker can place it. ¹ ³

How You Get a Quote

Chubb writes the policy itself. You can request a quote online or through an appointed agent, and its brokers can quote and bind on Express Umbrella. Relm's page speaks to brokers placing the line for clients whose underlying limits fall short, with no buyer application, so you need a broker who works with Relm. Relm says the broker advises on the exact limit; neither publishes limit amounts. ¹ ³

What Should You Confirm in Chubb and Relm Insurance Umbrella and Excess Liability Insurance Quotes?

Ask Chubb which of its umbrella options your quote falls under. ¹
Ask your broker which of your liability policies Relm's excess sits over. ³
Ask your broker which insurer issues Relm's policy; its page doesn't name one. ³
Compare the limit your broker recommends for Relm with the limit Chubb quotes. ³ ¹

Chubb vs Relm Insurance Umbrella and Excess Liability Compared

Chubb vs Relm Insurance: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Chubb Umbrella & Excess Casualty Insurance	Relm Excess Liability Insurance
Who It’s For	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. ¹Company-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. ³Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company.
How to Apply	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. ¹Company-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. ¹Company-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. ³Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research.
Coverage Features	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. ¹Company-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. ³Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control.
Role in This Line	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. ^1,²Company-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. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.