Founder Shield vs Relm Insurance Product Liability Insurance

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Product Liability Insurance with third-party carriers rather than underwriting the policy itself. ⁷Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

Relm markets Product Liability Insurance as a casualty line brokers can place for clients that manufacture, distribute or sell physical products. ¹⁰Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Founder Shield says it places policies, including Founder Shield Product Liability Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ³Company-reported. General carrier-selection FAQ, not specific to this line's placements.

The reviewed page does not name a specific issuing insurer for product liability placements. ¹⁰Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Founder Shield markets product liability to manufacturers, distributors, and retail/e-commerce companies that make or sell physical products. ⁶Company-reported. Product Liability Insurance product page.

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. ¹⁰Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

Founder Shield lists manufacturing defects, design defects and inadequate labeling as scenarios the policy responds to, covering defense fees, settlements or judgments, and medical costs. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage.

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. ¹⁰Company-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. ¹⁰Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only.

The reviewed page does not describe risk-management or product-safety services Founder Shield itself provides for this line; it notes only that insurers generally may offer such services. ⁶Not found in reviewed sources. Product Liability Insurance product page, checked 2026-09-23.

Not described in the reviewed sources.

You request Founder Shield Product Liability Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^7,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

Relm sells product liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ¹⁰Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.