Harper vs Relm Insurance: How Do They Compare for Product Liability Insurance?

Harper is a broker that shops one application across insurers writing your product class; Relm Insurance sells product liability through brokers and shows no direct online quote, so it fits a business that already has a broker.

Harper serves makers, importers and sellers and says it matches coverage to retailer or marketplace vendor agreements. Relm’s broker-placed product-liability line highlights cannabis THC-potency and biotech medical-device risks. ^1,³

What Are the Key Differences Between Harper and Relm Insurance Product Liability Insurance?

Match Contract Limits or Specialized Product Risks

Harper serves makers, importers and sellers of physical products, including importers and retailers named in claims even if they did not manufacture the item. Relm highlights cannabis risks such as unexpected THC potency and biotech risks such as faulty medical devices or clinical trials. Choose Harper if you must meet retailer or marketplace requirements for limits or additional-insured wording; choose Relm if a broker is placing product liability for a cannabis or biotech product. ¹ ³

Choose a Retail Quote Route or Work Through a Broker

Harper takes an online or phone request and shops one application across insurers that write your product class. Relm distributes product liability through brokers and does not describe a direct online quote route. ¹ ³

Compare Coverage Triggers and Exclusions

Harper describes injury, product-caused property damage and defense costs. Relm describes injury or property damage from product defects, design flaws or inadequate warnings and lists casualty exclusions for employee injuries, professional errors, intentional or criminal acts, and illegal activity. Harper’s reviewed page does not publish a comparable exclusion list, so compare the policy forms directly. ¹ ³

What Should You Confirm in Harper and Relm Insurance Product Liability Insurance Quotes?

Give Harper your retailer contract and request the required limits and additional-insured wording. ¹
Ask your broker whether Relm will consider the exact cannabis or biotech product. ³
Compare defense costs, product-defect wording and exclusions in the actual forms. ¹ ³
Get the issuing insurer’s name in writing for both placements. ¹ ³

Harper vs Relm Insurance Product Liability Insurance Compared

Harper vs Relm Insurance: Product Liability Insurance: documented features by provider

Criteria	Harper Product Liability Insurance	Relm Product Liability Insurance
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. ¹Company-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. ³Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.
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. ¹Company-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. ³Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.
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. ¹Company-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. ³Company-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. ³Company-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	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. ¹Company-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. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.