Harper vs 
Relm Insurance: How Do They Compare for General Liability Insurance?
Relm Insurance sells general liability through brokers and highlights cannabis, biotech and aerospace companies; Harper takes one application to multiple insurers, aimed at hard-to-place or previously declined businesses.
Relm markets general liability to companies in high-growth or heavily regulated fields such as cannabis, biotech and aerospace, distributing the line through insurance brokers. Harper markets the same line to hard-to-place or previously declined businesses, shopping one application to multiple insurers. 2,1
What Are the Key Differences Between Harper and Relm Insurance General Liability Insurance?
Two Ways to Be a Hard Risk
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. 2Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.
Harper's version of a hard risk is different: rather than naming an industry, it names a history, specifically calling out businesses a previous insurer has declined or found hard to place. 1
Distribution Through Brokers
Relm distributes general liability through insurance brokers rather than a direct online quote, describing itself as a line-of-business option brokers can place for clients. 2 Harper also works through an intermediary step, but structures it as one application shopped to multiple insurers with a specialist review, rather than Relm's broker-placement model. 1
Coverage and What Falls Outside It
Relm's page lists what casualty coverage generally excludes: employee injuries, professional errors, intentional or criminal acts, and damages from illegal activity. 2 Harper's reviewed page describes what its placed policies cover (bodily injury, property damage, legal defense) without listing a comparable exclusions set. 1
What Neither Names
Relm's page does not name a specific issuing insurer for general liability placements, and neither does Harper's. 2 1
What Should You Confirm in Harper and Relm Insurance General Liability Insurance Quotes?
- Ask Relm which insurers write coverage for your specific industry, since none is named on its page. 2
- Ask Harper the same question about which carriers are reviewing your application. 1
- Confirm whether your business fits Relm's named high-growth industries or Harper's hard-to-place profile. 2 1
- Ask Relm's broker which of the listed casualty exclusions apply to your policy specifically. 2
Harper vs Relm Insurance General Liability Insurance Compared
Harper vs Relm Insurance: General Liability Insurance: documented features by provider
| Criteria | Harper General Liability Insurance | Relm General Liability Insurance |
|---|---|---|
| Who It’s For | Harper markets general liability to businesses that need a certificate for a lease, client contract or license, and specifically says hard-to-place or previously declined businesses are the operations it targets. 1Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant. | 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. 2Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company. |
| How to Apply | You apply for Harper general liability through an online quote form (business details, state, revenue and coverage needs) that a specialist follows up on, rather than an instant-bind online purchase. 1Company-reported. Quote form and FAQ observed on the product page. | Relm sells general 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 | Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. 1Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. | 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. 2Company-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. 2Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only. |
| Role in This Line | Harper places general liability coverage by taking one application to multiple insurers rather than underwriting the policy itself, and a specialist reviews the business before it is quoted. 1Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision. | 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. 2Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
