Harper vs 
Relm Insurance Product Liability Insurance
Harper shops product-class markets as a retail broker; Relm sells product liability through other brokers and highlights cannabis and biotech.
What Is Harper Insurance?
Harper is a commercial insurance brokerage for businesses with complex risks. Its specialists use AI tools to gather information, seek quotes from insurers and help customers manage coverage. 1,2
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 5,6
What Is Product Liability Insurance?
Product liability insurance addresses liability for injury or damage associated with a defective product that a business manufactures, wholesales, distributes or sells. 8,9,10,11
Key Differences in Product Liability Insurance
Retail Shopping Versus Relm’s Broker Channel
Harper is a retail broker: a specialist reviews the business and shops one application across insurers that write the applicant’s product class, via an online form or phone. Relm markets Product Liability Insurance as a casualty line brokers can place and does not describe a direct online quote on the reviewed pages. 3 7
Who Each Names as Typical Buyers
Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they did not manufacture the item. Relm also addresses businesses that manufacture, distribute or sell physical products, and specifically flags cannabis (unexpected THC potency) and biotech (faulty medical devices, clinical trial risk) as high-exposure examples. 3 7
What Each Page Says a Claim Can Involve
Harper describes coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. Relm says product liability protects against claims from injuries or property damage caused by defects, design flaws, or inadequate warnings and other labelling issues. Relm separately lists casualty-wide exclusions such as employee injuries, professional errors, intentional or criminal acts, and illegal activities; Harper’s reviewed page does not publish a comparable exclusion list. 3 7
What to Confirm in Product Liability Insurance Quotes
- If you need a marketplace additional insured, ask Harper to match that contract; Relm’s page does not describe that service. 3
- Ask Relm’s placing broker whether cannabis or biotech appetite applies to your SKU. 7
- Confirm which casualty exclusions Relm’s form actually uses. 7
- Get the issuing insurer from both; neither public page names it. 3 7
Offering Details
Harper vs Relm Insurance Product Liability Insurance: documented features by provider
| Criteria | Harper Product Liability Insurance | Relm Product Liability Insurance |
|---|---|---|
| Role in This Line | Harper places product liability coverage as a broker: it says a specialist reviews the business and approaches insurers on the client's behalf rather than underwriting the policy itself. 3Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy. | Relm markets Product Liability Insurance as a casualty line brokers can place for clients that manufacture, distribute or sell physical products. 7Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | The reviewed product liability page does not name the insurer or insurers that would issue a given policy; Harper says it places the coverage with 'real insurers' generally rather than a named carrier for this line. 3,4Not publicly disclosed. Checked the product liability page and the coverage directory on 2026-09-23; neither names a carrier for this specific line. | The reviewed page does not name a specific issuing insurer for product 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. |
| Who It’s For | Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they didn't manufacture the item. 3Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure. | 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. 7Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company. |
| Coverage Features | Harper describes the coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. 3Company-reported. Product liability page's four coverage tiles (Injury claims, Property damage, Defense in depth, Vendor agreement compliance); the issued policy and its exclusions control actual scope. | 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. 7Company-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. 7Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not product-liability-specific exclusions only. |
| Limits and Retentions | Harper names product category, sales volume and sales channel as what drives product liability pricing, but the reviewed page does not publish specific limit, retention or premium figures. 3Not publicly disclosed. Product liability FAQ 'What does it cost?'; figures are unavailable on this public page and would appear on a quote. | Not described in the reviewed sources. |
| Risk Services | Harper says it will write the policy to match a retailer or marketplace vendor agreement, including additional-insured status and the specific limits those contracts require. 3Company-reported. Product liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome. | Not described in the reviewed sources. |
| How to Apply | You request a quote through Harper's online form or by phone; Harper says one application is then shopped across the insurers that write the applicant's product class. 3Company-reported. Product liability page quote form and 'Why Harper' process steps. | Relm sells product 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. |
Full Comparison
More Harper vs Relm Insurance Comparisons
Other Product Liability Insurance Comparisons
Sources
Harper
- Text Messaging Terms and Conditions. Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
- Product Liability Insurance. Harper; Know your coverage: What is Product Liability insurance?; Injury claims, Property damage, Defense in depth, Vendor agreement compliance; Why Harper (specialist, market access, recommendation, same-day certificates); FAQs on importers/distributors/retailers and pricing drivers. Accessed 2026-09-23.
- What We Cover. Harper; Coverage directory list including Product Liability; intake selector categories. Accessed 2026-09-23.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Casualty Insurance. Relm Insurance; What is Product Liability Insurance?; Who Needs Casualty Insurance? (Cannabis and Biotech examples). Accessed 2026-09-23.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
