---
title: "HUB International vs Relm Insurance: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-relm/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-relm"
provider-a: "hub-international"
provider-b: "relm"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-relm/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Relm Insurance for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about HUB International versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Relm Insurance for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, HUB International or Relm Insurance?
- What does HUB International or Relm Insurance publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: HUB International and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 hire directly, with attorney-led claims support for private, nonprofit and public companies, while Relm writes custom D&O for Web3, biotech and AI companies that your broker has to place.

## HUB International vs Relm Insurance D&O Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask which insurer issues a Relm D&O policy; its Financial Lines page doesn't say. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask HUB which insurer would issue your policy and who in its claims group would work your file. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Get limits and retentions in writing from both; neither publishes them. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## HUB International vs Relm Insurance D&O Insurance Compared

| 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About HUB International and Relm Insurance and D&O Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for HUB International vs Relm Insurance D&O Insurance

- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers)
- [Relm Insurance D&O Insurance](https://spot.insure/insurance-providers/relm/directors-officers)

## Sources for HUB International vs Relm Insurance D&O Insurance

### Sources About HUB International

1. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
2. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### Sources About Relm Insurance

3. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Directors and Officers (D&O) Liability Insurance: What Is D&O Liability Insurance?; Risk Is Part of the Role. Personal Exposure Doesn't Have to Be.; What Does D&O Insurance Cover?. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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