---
title: "Chubb vs Relm Insurance: Umbrella and Excess Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-relm/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-relm"
provider-a: "chubb"
provider-b: "relm"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-relm/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of Chubb and Relm Insurance for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Chubb versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs Relm Insurance for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Chubb or Relm Insurance?
- What does Chubb or Relm Insurance publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Chubb and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Chubb vs Relm Insurance](https://spot.insure/compare/chubb-vs-relm) — all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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.

You can request a Chubb umbrella quote yourself online or through an agent, while Relm's excess liability for fleets and high-risk industries is available only through your broker.

## Chubb vs Relm Insurance Umbrella and Excess Liability Insurance Summary

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](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## 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](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### 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](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## 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](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance")
- Ask your broker which of your liability policies Relm's excess sits over. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Ask your broker which insurer issues Relm's policy; its page doesn't name one. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Compare the limit your broker recommends for Relm with the limit Chubb quotes. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") [1](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance")

## Chubb vs Relm Insurance Umbrella and Excess Liability Compared

| 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. [1](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers..)<br><br>You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. [1](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: 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](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [2](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About Chubb and Relm Insurance and Umbrella and Excess Liability

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess)

## Related Pages for Chubb vs Relm Insurance

- [Chubb vs Relm Insurance](https://spot.insure/compare/chubb-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Chubb Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/chubb/umbrella-excess)
- [Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/relm/umbrella-excess)

## Sources for Chubb vs Relm Insurance

### Sources About Chubb

1. [Umbrella & Excess Casualty Insurance](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html). Chubb; Umbrella & Excess Casualty Insurance Options: Large Global and National Companies, Mid-Sized Companies, Energy Industry, Construction Industry; Express Umbrella Online Platform. Accessed 2026-09-23.
2. [Workers' Compensation Insurance for Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Total Account Solution: umbrella insurance providing an additional layer of coverage over existing liability policies. Accessed 2026-09-23.

### Sources About Relm Insurance

3. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance; What is Excess Liability Insurance?. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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