Embroker vs 
Relm Insurance: How Do They Compare for Product Liability Insurance?
Relm Insurance markets product liability for brokers to place, describes no direct online quote, and names cannabis and biotech as high-exposure; Embroker lets you get a quote online.
Embroker sells standalone product liability or a general-liability or BOP addition, with a quote it says takes under 10 minutes and a product-recall exclusion. Relm distributes the line through brokers and highlights cannabis THC-potency and biotech-device risks. 1,2
What Are the Key Differences Between Embroker and Relm Insurance Product Liability Insurance?
Choose by Product Risk and Buying Route
Embroker says businesses can quote product liability online in under 10 minutes and choose deductibles and limits. Relm’s broker-distributed casualty line highlights unexpected THC potency for cannabis and faulty devices or clinical trials for biotech. Choose Embroker if you sell products and want a quick online quote; choose Relm if your broker is placing coverage for a cannabis or biotech product. 1 2
Compare Policy Structure and Exclusions
Embroker offers standalone product liability, though it says most companies add it to general liability or a BOP. Its listed exclusions include product recall costs. Relm describes coverage for injury or property damage from product defects, design flaws or inadequate warnings and lists exclusions for employee injuries, professional errors, intentional or criminal acts and illegal activity. Compare those terms with your product and operations. 1 2
Get the Actual Quote and Carrier
Embroker presents a digital quote path; Relm places coverage through insurance brokers. The reviewed pages do not identify the insurer for a specific placement, so request the named carrier and full policy form before comparing price. 1 2
What Should You Confirm in Embroker and Relm Insurance Product Liability Insurance Quotes?
- Ask Embroker whether the proposal is standalone, a general-liability endorsement or a BOP addition, and verify the recall exclusion. 1
- Ask your broker whether Relm will consider your cannabis or biotech product and what exclusions apply. 2
- Compare the actual policy forms for product defects, recall, professional errors and intentional-act exclusions. 1 2
- Request the issuing insurer, limits and deductible for both quotes. 1 2
Embroker vs Relm Insurance Product Liability Insurance Compared
Embroker vs Relm Insurance: Product Liability Insurance: documented features by provider
| Criteria | Embroker Product Liability Insurance | Relm Product Liability Insurance |
|---|---|---|
| Who It’s For | Embroker markets the policy to businesses that manufacture, repair, distribute or sell products, saying manufacturers are most often held liable but sellers and repairers can also be named in claims. 1Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business. | 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. 2Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company. |
| How to Apply | Embroker says applicants can get a product liability quote in under 10 minutes through its digital platform and choose their own deductibles and limits. 1Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research. | Relm sells product liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 2Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model. |
| Coverage Features | Embroker lists coverage for bodily injury, property damage, illness and wrongful death claims arising from design defects, manufacturing defects, or warning/labeling defects in a product. 1Company-reported. Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control. Embroker says the policy excludes employee injuries (covered by workers' compensation), third-party accidents on the policyholder's property (covered by general liability), product recall costs (which need a separate endorsement or product recall policy), and technology product claims (covered by tech E&O). 1Company-reported. Product-page What's Not Covered section, distinguishing product liability from general liability, product recall insurance and technology E&O. | 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. 2Company-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. 2Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only. |
| Role in This Line | Embroker sells product liability as a standalone policy, and says most companies instead add it as an endorsement to a general liability policy or bundle it into a Business Owners Policy, with only larger companies typically buying an independent policy. 1Company-reported. Product-page description and 'Tips for Saving' section; not a statement about the issuing insurer. | Relm markets Product Liability Insurance as a casualty line brokers can place for clients that manufacture, distribute or sell physical products. 2Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
