HUB International vs 
Relm Insurance: How Do They Compare for D&O Insurance?
HUB International brokers D&O across private, public, and nonprofit organizations, while Relm Insurance targets fast-changing industries and places its coverage through brokers.
HUB is a broker you work with directly, serving private, nonprofit and public companies with an attorney-staffed claims group. Relm doesn't sell to you: your broker places its custom D&O, aimed at Web3, biotech and AI leadership teams. 1,2,3
What Are the Key Differences Between HUB International and Relm Insurance D&O Insurance?
Your Broker vs a Market Your Broker Uses
These aren't strictly alternatives: HUB is a broker you hire, and Relm is a source of custom coverage that a broker brings to you. HUB's ProEx practice places D&O with insurers it doesn't name and adds analytics, litigation support and risk-management services. Relm describes custom coverage rather than a one-size-fits-all policy and says startups especially need D&O to attract executives. Choose HUB if you're a conventional private company, nonprofit or public company that wants one broker handling placement and claims; ask your broker for a Relm quote if you're a Web3, biotech or AI company that standard markets may not fit. 1 2 3
Support When a Claim Hits
HUB's Claims & Legal Risks Group of attorneys works from reviewing your policy wording before a claim through recovery. Relm's D&O page describes what the cover pays — legal fees, settlements and personal losses from claims by shareholders, regulators, competitors or employees — but no claims-advocacy or risk services. 2 3
What Should You Confirm in HUB International and Relm Insurance D&O Insurance Quotes?
- If you're in Web3, biotech or AI, ask HUB or your current broker whether it can place Relm's D&O. 3
- Ask which insurer issues a Relm D&O policy; its Financial Lines page doesn't say. 3
- Ask HUB which insurer would issue your policy and who in its claims group would work your file. 2
- Get limits and retentions in writing from both; neither publishes them. 1 3
HUB International vs Relm Insurance D&O Insurance Compared
HUB International vs Relm Insurance: D&O Insurance: documented features by provider
| Criteria | HUB International Directors and Officers Insurance Brokerage | Relm Directors and Officers Liability Insurance |
|---|---|---|
| Who It’s For | HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. 1Company-reported. D&O product page target-market description; not an underwriting appetite statement. | Relm targets companies in disruptive or fast-changing sectors, naming Web3 founders, biotechnology leaders and AI pioneers as examples, and says any company with a board benefits, with startups especially needing it to attract executives. 3Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company. |
| How to Apply | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. 1Company-reported. D&O product page call to action. | Relm sells D&O through insurance brokers (its page says brokers can use Relm to protect clients' leadership teams); it does not describe a direct online quote. 3Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages. |
| Coverage Features | HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. 1Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. 1Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant. | Relm says D&O coverage generally protects directors and officers' personal assets by covering legal fees, settlements and financial losses when they are held liable for decisions made managing the company, including claims from shareholders, regulators, competitors or employees. 3Company-reported. Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control. |
| Role in This Line | HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 1,2Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. | Relm markets D&O liability as a line brokers can place through Relm for their clients, describing custom coverage rather than a one-size-fits-all policy. 3Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
