Embroker vs Relm Insurance General Liability Insurance

Embroker sells commercial general liability as a standalone line and offers to package it with other coverages such as cyber and workers' compensation. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. ⁷Company-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 general liability placements. ⁷Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Embroker markets the policy to any business that deals with or employs people, has a physical location with injury risk, or provides a product or service, including consultants, contractors and tradespeople. ⁴Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business.

Embroker says general liability insurance is not required by law, but local governments often require it for a business license and most venues or office leases require proof of coverage. ⁴Company-reported. Product-page FAQ: Is General Liability insurance required by law?

Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. ⁷Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

Embroker lists coverage for third-party bodily injury and property damage, personal injury claims such as libel or slander, product liability, and legal defense costs and settlements. ⁴Company-reported. Product-page coverage summary; the issued policy and declarations control.

Embroker says the policy excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), employment practices claims, and property damage to the policyholder's own commercial property. ⁴Company-reported. Product-page What's not included section.

Relm says GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. ⁷Company-reported. Casualty page 'What is General 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 by directors or employees, and damages from illegal activities. ⁷Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.

The reviewed product page does not publish specific per-occurrence or aggregate limit options; it only says a higher coverage limit generally costs more. ⁴Not publicly disclosed. Product page as read on 2026-09-23.

Not described in the reviewed sources.

Embroker says applicants can get an instant general liability quote online in a few minutes, with underwriting based on claims history and the type of products or services the business provides. ⁴Company-reported. Product-page FAQ: How do you apply for General Liability insurance?; no quote was requested during this research.

Relm sells general liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁷Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.