Gallagher vs Relm Insurance General Liability Insurance

Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself. ⁶Company-reported. Gallagher Small Business's direct-to-small-business general liability product page.

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. ⁹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

The general liability product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the general liability product page on 2026-09-23.

The reviewed page does not name a specific issuing insurer for general liability placements. ⁹Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Not described in the reviewed sources.

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. ⁹Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. ⁶Company-reported. Product page coverage overview; the issued policy and its exclusions control.

Gallagher lists covered expense types including claim investigation and defense costs, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for any bonds a liability suit requires. ⁶Company-reported. Product page expense list; the issued policy and its exclusions control.

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. ⁹Company-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. ⁹Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.

The general liability product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the general liability product page on 2026-09-23.

Not described in the reviewed sources.

Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a general liability quote. ⁶Company-reported. Product page "Get Covered Now" section.

Relm sells general liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁹Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.